Barista FIRE Calculator
Plan your semi-retirement with part-time income and reduced expenses.
Basic Information
Barista FIRE Settings
Expected monthly expenses during semi-retirement
Expected income from part-time work
Part-time job provides health insurance
Investment Parameters
Barista FIRE Number
₹1,22,80,098
Years to Barista FIRE
10 years
Part-time Income Needed
₹44,771
Monthly Portfolio Withdrawal
₹35,817
Current Progress
Total Invested
₹29,00,000
Total Returns
₹32,53,698
Key Insights
Barista FIRE Strategy
You need ₹1,22,80,098 to achieve Barista FIRE, which is typically less than traditional FIRE because part-time work covers 55.6% of your expenses.
Income Diversification
Your semi-retirement income will come from part-time work (₹44,771) and portfolio withdrawals (₹35,817), providing financial security and flexibility.
Early Freedom
Barista FIRE allows you to achieve financial independence in 10 years, potentially earlier than traditional FIRE while maintaining some work engagement.
Portfolio Growth Projection
How Barista FIRE Works
The Barista FIRE Concept
Barista FIRE is named after the stereotype of people working part-time at coffee shops while pursuing other interests. It represents a middle ground between traditional employment and complete retirement.
- Save enough to cover part of your expenses
- Work part-time to cover remaining costs
- Achieve financial flexibility earlier
- Maintain social connections and purpose
Benefits of Barista FIRE
- Earlier Timeline: Achieve semi-retirement sooner
- Reduced Stress: Less pressure than full-time work
- Healthcare Benefits: Potential employer coverage
- Social Engagement: Maintain workplace relationships
- Flexibility: Choose meaningful work
- Risk Mitigation: Multiple income streams
Who Should Consider Barista FIRE?
✅ Barista FIRE is Great For:
- • People who enjoy some work but want more freedom
- • Those seeking career flexibility and reduced stress
- • Individuals with marketable skills for part-time work
- • People who want earlier semi-retirement
- • Those comfortable with multiple income streams
- • Individuals seeking gradual retirement transition
❌ Consider Traditional FIRE If:
- • You want complete work independence
- • Your skills don't translate to part-time work
- • You prefer single income stream simplicity
- • You have unpredictable health concerns
- • You strongly dislike any form of work
- • You have sufficient savings for traditional FIRE
Barista FIRE Calculator FAQ
Everything you need to know about lumpsum investments
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