Barista FIRE Calculator
Calculate the minimum part-time income you need to cover the gap between investment income and living expenses, including health insurance costs.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Required Part-Time Income
$34,700.00
≈ 17 gaming PCs
How to Use This Calculator
- Enter your total annual living expenses.
- Input your current total invested assets.
- Set your expected annual return on investments.
- Enter years until traditional retirement age (e.g., 65) when all accounts become fully accessible.
- Add your estimated annual health insurance cost if leaving full-time employment.
- Review the annual investment income from your portfolio, the remaining shortfall, and the required part-time income — plus the hourly rate needed working 20 hours per week.
How the result changes with Annual Living Expenses
| Annual Living Expenses | Required Part-Time Income |
|---|---|
| $50,000.00 | $39,700.00 |
| $175,000.00 | $164,700.00 |
| $325,000.00 | $314,700.00 |
| $450,000.00 | $439,700.00 |
What each input means
- Annual Living Expenses
- Your total annual living expenses including housing, food, transportation, and other essentials.
- Current Investments
- Total invested assets that can generate income (retirement + brokerage accounts).
- Expected Annual Return
- Expected average annual return on investments. A conservative withdrawal rate will be derived from this.
- Years Until Traditional Retirement
- Years until you reach traditional retirement age (e.g. 65) and can access all accounts penalty-free.
- Annual Health Insurance Cost
- Annual cost of health insurance if you leave full-time employment (ACA marketplace or COBRA).
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAnnual Living Expenses = 45000, Current Investments = 500000, Expected Annual Return = 7, Years Until Traditional Retirement = 20 = 5 input(s) provided
- Calculate Required Part-Time IncomeRequired Part-Time Income34700 = $34,700
- Calculate Annual Investment IncomeAnnual Investment Income17500 = $17,500
- Calculate Annual Expense ShortfallAnnual Expense Shortfall27500 = $27,500
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.
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