Free · Barista FIRE
Barista FIRE Calculator
Model a smaller nest egg when part-time work (and often benefits) covers part of your lifestyle — then see the Coast checkpoint for that path.
Barista FIRE calculator
Free — nest egg after part-time income, plus Coast checkpoint.
Today's dollars
Income that covers part of lifestyle — reduces the nest egg still needed from investments
401(k), IRA, brokerage — exclude home equity
Affects years to coast and projected value, not the Coast number; set 0 to test if you've already hit Coast
Assumptions
Barista Coast number
$213,317
USD
You need $143,317 more to coast (33% funded).
Barista FIRE number
$750,000
Years to coast
8 yrs
You have
$70,000
Real return
3.88%
Projected value
$3M
Monthly spending
$10,055
Today's value
$3,741
How is Barista FIRE calculated?
Barista FIRE lowers the portfolio you need by counting reliable side income against spending.
Barista FIRE nest egg ≈ (annual spend − side income) ÷ SWR
- Estimate full lifestyle spending in today’s dollars.
- Enter annual part-time / “barista” income that will cover part of that lifestyle.
- We compute the remaining spend ÷ SWR, then discount to today’s Coast number.
Compare paths in one guide: Coast vs FIRE vs Barista.
Related calculators
Switch assumptions without leaving WorthCay.
When Barista FIRE fits
Benefits matter as much as wages
Many barista paths keep employer health coverage. If benefits replace large insurance premiums, fold that savings into side income or lower your spend input — don’t double-count.
Barista FIRE calculator FAQ
What is a barista FIRE calculator?
- A tool that calculates the invested nest egg you need when part-time income covers some spending — typically (spend − side income) ÷ SWR — plus a Coast checkpoint for that lower target.
Is signup required?
- No. The calculator is free. An account is only for saving the goal and tracking portfolio progress.