# Sindri Barista FIRE Calculator

> Sindri Barista FIRE Calculator is a paid API for AI agents from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-02).

Simulates year-by-year net worth growth through a full-time saving phase, a part-time/barista income phase, and finally full financial independence, to find when each milestone is reached.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/baristaFireCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-barista-fire-calculator-c2cf7ce7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_uPePAkJcnlWBfm0oaYuSl

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 sindri-barista-fire-calculator-c2cf7ce7 -d '<json body>'
```

Example prompt: I'm 35 years old with $200,000 invested, earning $90,000/year and spending $60,000/year. I plan to quit full-time work at 45 and do part-time gigs earning $25,000/year, with retirement spending of $50,000/year. Run a barista FIRE simulation with a 7% investment return, 3% inflation, and 4% safe withdrawal rate to tell me when I'll hit full financial independence.

## When to prefer this

Use this endpoint when a user specifically plans a two-phase semi-retirement strategy: first switching from full-time work to part-time or side income before reaching full financial independence. Prefer this over a standard FIRE calculator when the part-time income bridge is central to the plan. Use Fat FIRE calculator instead when targeting a higher spending lifestyle without a barista phase.

## Known failure modes

- Missing required fields (currentAge, baristaAge, currentNetWorth, currentAnnualIncome, currentAnnualSpending, baristaAnnualIncome, retirementAnnualSpending) result in validation errors
- baristaAge less than or equal to currentAge may produce undefined behavior
- Unrealistically high investment return rates may produce misleading projections
- If barista income covers all retirement spending, full FIRE may never technically be triggered
- Payment failure (x402) if USDC balance is insufficient

## 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

Returns a year-by-year simulation showing net worth progression through the full-time saving phase and the barista income phase, flagging the age and year at which the portfolio reaches the target for full financial independence based on the specified safe withdrawal rate and retirement spending.

## 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/sindri-barista-fire-calculator-c2cf7ce7/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws](https://www.zero.xyz/host/ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/llms.txt)