Flagship Simulator
Barista FIRE Simulator
How much sooner can you leave your full-time career — and what does part-time income actually change?
Barista FIRE means building a smaller portfolio target, then using part-time work to cover the gap between safe withdrawals and your lifestyle. This simulator compares that semi-retirement path to full FIRE with the same starting assumptions.
Target
52
Projected
—
Your current trajectory doesn’t reach the Barista FIRE number before age 100 — age 52 isn’t feasible yet. Raise savings, extend the timeline, or reduce spending.
Barista FIRE number
$0
Portfolio lasts until
Age 100+
Required monthly savings
On track
What’s driving this
Your total annual need is $0 (spending + healthcare). Part-time income of $50K leaves a $0/yr gap, which requires $0 at a 4% withdrawal rate.
At current savings, neither path reaches its target within the modeled window. Raise savings or reduce spending to bring the timeline into range.
Target
52
Projected
—
Your current trajectory doesn’t reach the Barista FIRE number before age 100 — age 52 isn’t feasible yet. Raise savings, extend the timeline, or reduce spending.
Barista FIRE number
$0
Portfolio lasts until
Age 100+
Required monthly savings
On track
What’s driving this
Your total annual need is $0 (spending + healthcare). Part-time income of $50K leaves a $0/yr gap, which requires $0 at a 4% withdrawal rate.
At current savings, neither path reaches its target within the modeled window. Raise savings or reduce spending to bring the timeline into range.
Savings rate required by age 52
Horizon: 20 years to age 52. Closing the gap raises odds of hitting the Barista number on schedule.
You save / mo
$0
Required / mo
—
Rate gap
On track
Extra $ / mo
—
Your current savings rate meets or exceeds what is needed to reach the Barista FIRE number by your target age — other assumptions still matter.
Key numbers
Full FIRE number
$0
Full FIRE age
—
Portfolio at Barista FIRE date
—
Withdrawal (with PT income)
$0/yr
Withdrawal (after PT stops)
$0/yr
Part-time income as % of total need
0%
Barista FIRE FAQs
This simulator is for educational purposes only and does not constitute financial advice. Projections use deterministic real returns and simplified withdrawal rules. Part-time income, healthcare costs, and spending may change. The withdrawal rate is a rule of thumb, not a guarantee. Consult a financial advisor for personalized planning.