# Barista FIRE Calculator

> Barista FIRE Calculator is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Simulates net worth growth through a full-time saving phase followed by a part-time/side-income phase (barista FIRE), projecting when full financial independence is reached.

## Facts

- Endpoint: POST https://x402.outpimp.com/baristaFireCalculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/barista-fire-calculator-cc81e10c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_z1CSH2y5U92uOStGhovKj

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability barista-fire-calculator-cc81e10c -d '<json body>'
```

Example prompt: I'm 32, have $150,000 saved, earn $90,000 a year, and spend $55,000 annually. I want to go barista FIRE at age 42, earning about $25,000 part-time, and spend $45,000 a year in retirement — can you project when I'd hit full financial independence using a 7% return, 3% inflation, and a 4% safe withdrawal rate?

## When to prefer this

Choose this endpoint when a user wants to model a two-phase retirement strategy: a full-time savings phase followed by a semi-retirement phase with part-time or side income, specifically targeting eventual full financial independence. It is distinct from standard FIRE calculators (which assume a single retirement date) and Coast FIRE calculators (which assume no further contributions after a lump sum). Use it when partial earned income after leaving full-time work is a key variable in the retirement plan.

## Known failure modes

- Missing required fields (currentAge, baristaAge, currentNetWorth, etc.) return validation errors
- baristaAge set to or before currentAge may cause degenerate or empty full-time phase
- Very high spending relative to income and net worth may result in an unreachable FIRE target (infinite projection)
- Incorrect rate formats (e.g. passing 7 instead of 0.07) may produce wildly incorrect projections
- Negative or zero income/net worth inputs may cause computation errors

## How this service works

Barista FIRE calculator. Simulates net worth growth through a full-time-saving phase and then a reduced-target phase funded partly by part-time/side income after quitting full-time work, until full financial independence is reached.

## Output

The endpoint returns a simulation of the user's net worth year by year through the full-time savings phase and the barista (part-time income) phase, along with the projected age or year at which the user achieves full financial independence (portfolio fully covers spending without any earned income).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "swr": {
   "type": "number",
   "default": 0.04,
   "description": "Safe withdrawal rate, as a fraction. Default 0.04."
  },
  "baristaAge": {
   "type": "number",
   "description": "Age at which you switch to part-time/side income."
  },
  "currentAge": {
   "type": "number",
   "description": "Your current age in years."
  },
  "inflationRate": {
   "type": "number",
   "default": 0.03,
   "description": "Expected annual inflation rate, as a fraction. Default 0.03."
  },
  "currentNetWorth": {
   "type": "number",
   "description": "Current invested net worth."
  },
  "baristaAnnualIncome": {
   "type": "number",
   "description": "Expected part-time/side income after the barista transition."
  },
  "currentAnnualIncome": {
   "type": "number",
   "description": "Current full-time annual income."
  },
  "investmentReturnRate": {
   "type": "number",
   "default": 0.07,
   "description": "Expected annual investment return, as a fraction. Default 0.07."
  },
  "currentAnnualSpending": {
   "type": "number",
   "description": "Current annual spending."
  },
  "retirementAnnualSpending": {
   "type": "number",
   "description": "Expected annual spending during the barista and retirement phases."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/barista-fire-calculator-cc81e10c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.outpimp.com](https://www.zero.xyz/host/x402.outpimp.com/llms.txt)