FIRE Number & Cost of Living in Massachusetts

Explore FIRE baselines across 4 cities in Massachusetts. State taxes affect your take-home, so we show local tax context for each city. Find your target and compare retirement timelines. Compare Massachusetts with the broader Northeast FIRE guide.

Cities covered

Avg FIRE target

$1,526,875

Avg annual cost

$61,075

All cities in Massachusetts

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

Cambridge, MA

$71,400/year baseline

$1,785,000 FIRE target

Boston, MA

$68,400/year baseline

$1,710,000 FIRE target

Worcester, MA

$54,900/year baseline

$1,372,500 FIRE target

Springfield, MA

$49,600/year baseline

$1,240,000 FIRE target

Calculate your FIRE date for any city in Massachusetts

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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