FIRE & Independence

Part-Time FIRE Income Planner

See how part-time income reduces portfolio withdrawal pressure and extends your financial independence timeline.

Income Summary

Total annual income

$42,720.00

Surplus / deficit

-$5,280.00

With part-time income, your portfolio is projected to last indefinitely.

Total income does not cover expenses. Consider higher part-time income or lower spending.

Income Sources

Portfolio withdrawal vs part-time income vs expenses

Portfolio withdrawal

$24,000.00

Part-time (after tax)

$18,720.00

Annual expenses

$48,000.00

Portfolio Longevity

Without part-time

31 years

With part-time

Indefinite

Effective withdrawal rate

4.88%

Years extended

Infinite

How to use it

Enter annual expenses, portfolio value, safe withdrawal rate, part-time annual income, and tax rate on that income. Use realistic part-time income estimates for your skills and local market.
Read the surplus or deficit first. If total income (portfolio withdrawal + part-time after tax) exceeds expenses, your plan is sustainable. If not, adjust spending or income.
Compare portfolio longevity with and without part-time income. Even modest part-time work often extends portfolio life by 10-20 years or makes it effectively infinite.
The effective withdrawal rate shows how much less pressure part-time income puts on your portfolio. A rate below 3% with part-time income means your portfolio continues growing.
Re-run when part-time income changes, when expenses shift, or after significant portfolio moves. Track how the effective withdrawal rate trends over time.

AI Integrations

Contract, discovery endpoints, and developer notes for agent use.

Always available for agents

Tool contract JSON

https://aifinhub.io/contracts/part-time-fire-income-planner.json

Stable input and output contract for this exact tool.

Human review

People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.

/agent-tools.json - machine-readable tool index.
/llms.txt - human-readable model discovery guide.
/.well-known/webmcp.json - WebMCP capabilities manifest.
/.well-known/ai-plugin.json - plugin-style discovery manifest.

{
  "tool": "part_time_fire_income",
  "annual_expenses": 48000,
  "portfolio_value": 600000,
  "swr_percent": 4,
  "part_time_income": 24000,
  "tax_rate_percent": 22
}

Open tool contract JSON Open AI integrations guide

Expand developer notes

Agent playbook

Resolve Part-Time FIRE Income Planner from /agent-tools.json and open its contract before execution.
Validate inputs against the contract schema instead of scraping labels from the page UI.
Open the browser page only when a person wants to review charts, assumptions, or related tools.

Agent FAQ

Should ChatGPT, Claude, or another agent click through the UI?

No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.

When do tools show Quick and Advanced?

Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.

When should an agent still open the browser page?

Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.

Questions people usually ask

How does part-time income change my FIRE math?

Part-time income reduces the amount you need to withdraw from your portfolio. Even $1,000/month after tax can reduce your withdrawal rate from 4% to 2%, dramatically extending portfolio life and reducing sequence-of-returns risk.

What tax rate should I use?

Use your expected marginal tax rate on part-time income, including federal, state, and self-employment tax if applicable. For most part-time earners, 20-30% is realistic. If self-employed, add 15.3% for FICA.

What if part-time income covers all my expenses?

Then your portfolio continues growing untouched. This is essentially the barista FIRE or coast FIRE scenario — your invested assets compound while part-time work covers living costs. Your portfolio grows toward full FIRE.

How does this differ from barista FIRE?

They are closely related. Barista FIRE typically implies working specifically for health benefits (like at Starbucks). This tool is more general — any part-time income source that reduces portfolio withdrawal pressure.

What portfolio return is assumed for depletion modeling?

The tool uses a 7% nominal return for portfolio longevity projections. Actual returns will vary. The key insight is relative — how much longer does the portfolio last with vs without part-time income.

Is my data stored?

No. All calculations happen in your browser. Nothing is stored or transmitted.