Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moBarista FIRE: portfolio covers most spending, a part-time or low-stress job covers the rest plus healthcare. Way easier to hit than full FIRE — typically 5–10 years sooner.
Typical Barista FIRE target
12–18× expenses
Side income often needed
$15K–$35K/yr
Top reason: healthcare
Pre-65 ACA gap
Years pulled forward vs full FIRE
5–10 years
Enter age, income, savings, and goals — get a full Net Worth, PeakWorth, and FI Age projection in 2 minutes. No signup, no credit card, no email required.
Instead of needing 25× expenses to retire fully, you target ~15× and plan to earn the difference (typically $15–35K/yr) from a flexible job. The original term comes from people who took barista jobs at Starbucks specifically for the part-time health insurance.
It works because the last 5–10 years of saving toward full FIRE are the hardest — those marginal dollars compound the least. Cutting that period out by earning a small ongoing income unlocks years of freedom.
ACA subsidies phase out at higher incomes, and full premiums for a couple in their 50s can run $1,500–$2,500/mo. A part-time job with health benefits effectively pays $20K–$30K of value in insurance alone — making the math work even at modest hourly pay.
A calculator alone tells you the payment. PeakWorth tells you what that payment costs your retirement — and how every change ripples through the next 30 years of your finances.
12–18× annual expenses, depending on how much side income you'll earn. The lower the side income, the higher the multiple.
No — any flexible job that covers some expenses (and ideally healthcare) qualifies. Common picks: tutoring, freelance consulting, seasonal park ranger, library work, ski instructor.
It's a different trade-off. Full FIRE = total freedom but takes longer. Barista FIRE = mostly free much sooner. Most people prefer Barista because the lower target is achievable a decade earlier.
Retirement
FIRE Calculator — When Can You Reach Financial Independence?
Retirement
Coast FIRE Calculator — When You Can Stop Saving For Retirement
Retirement
When Can I Retire? — A Calculator That Tells You The Year, Not Just A Number
Wealth
Savings Rate Calculator — The Single Most Important Number In Your Finances
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Perspective
FI Age vs retirement age
Work becoming optional vs actually stopping — mind the gap.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Decision guide
Retiring
Withdrawal rate, sequence risk, healthcare bridge.
Built for
PeakWorth for FIRE pursuers
Coast, barista, full FIRE — modeled in real time.
Built for
PeakWorth for late starters
Behind on retirement? The catch-up math is forgiving.
Compare
PeakWorth vs Vanguard Digital Advisor
Cheapest robo in the category vs the planning layer above.
PeakWorth includes every loan calculator above — connected to your real income, expenses, and goals. Every number you change updates your live FI Age and lifetime projection.
