Portfolio at Barista FIRE Your projected portfolio value at the age you transition to Barista FIRE. This shows how much you'll have accumulated before switching to part-time work.
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Expected portfolio value when transitioning to Barista FIRE
Annual Savings The amount you save each year, calculated as your annual income minus annual expenses.
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Current investments per year
Savings Rate The percentage of your income that you save each year. A higher savings rate accelerates your path to financial independence.
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Percentage of income saved
Years to Barista FIRE Number of years until you reach your Barista FIRE age and can transition to part-time work.
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Time until part-time transition
FIRE Number Portfolio value needed for full financial independence, calculated as Annual Living Expenses (monthly × 12) ÷ Safe Withdrawal Rate.
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Target portfolio for full FIRE
Progress to FIRE
Current Portfolio
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Full FIRE
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Advanced Metrics
Have an idea? Request a feature →Monthly Portfolio Withdrawal The monthly shortfall between your expenses during Barista FIRE and your Barista income. This is the amount you need to withdraw from your portfolio each month.
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Amount withdrawn monthly from your portfolio starting at Barista FIRE
Final Portfolio Value at Retirement Age Your portfolio value when you reach full retirement age. This shows the total wealth you'll accumulate by following the Barista FIRE path.
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Portfolio value at full retirement age
Time Advantage How many years earlier you can transition to part-time work with Barista FIRE compared to waiting for traditional full FIRE.
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Years saved vs traditional FIRE
Requirements Analysis
Additional Savings Needed How much more you need to save in total to reach your Barista FIRE portfolio target by your target age.
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Total additional savings required to reach Barista FIRE
Required Monthly Savings The amount you need to save each month to reach your Barista FIRE target on time, based on your current portfolio and growth assumptions.
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Current monthly investments needed to reach Barista FIRE on time
Barista Income Floor The minimum monthly part-time income needed to cover what portfolio growth cannot — keeping your portfolio stable (neither growing nor shrinking). Earning more than this means your portfolio still grows toward your FIRE number.
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Minimum to keep portfolio stable
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| Age / Year | Portfolio | FIRE Number | Gap | Phase |
|---|---|---|---|---|
| Run calculation to see milestones | ||||