Barista FIRE: $20,000 Annual Expenses, $1,500/Month Savings

See how long Barista FIRE takes when targeting only $20,000 in annual investment withdrawals with $1,500 monthly savings.

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How to use this tool

Enter current portfolio value, monthly savings, annual investment return, annual expenses in retirement and safe withdrawal rate in the fields above.
Results update instantly as you type — or click Calculate.
Read your years to fire and the full breakdown beneath it.

Barista FIRE combines a small part-time income with investment withdrawals — this preset calculates when you reach that milestone.

Frequently asked questions

What is the safe withdrawal rate?: Research (the 'Trinity Study') suggests a 4% withdrawal rate historically survived 30+ year retirement periods. More conservative retirees use 3-3.5%.
What is Lean FIRE vs. Fat FIRE?: Lean FIRE targets minimal expenses (~$25-40k/yr). Fat FIRE targets a comfortable lifestyle ($80-100k+/yr). Choose based on your target lifestyle.