FIRE Number & Cost of Living in Tennessee

Explore FIRE baselines across 5 cities in Tennessee. No state income tax means more savings turn into invested capital. Find your target and compare retirement timelines. Compare Tennessee with the broader Southeast FIRE guide.

Cities covered

Avg FIRE target

$1,313,500

Avg annual cost

$52,540

All cities in Tennessee

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

Franklin, TN

$60,000/year baseline

$1,500,000 FIRE target

Nashville, TN

$54,000/year baseline

$1,350,000 FIRE target

Knoxville, TN

$50,100/year baseline

$1,252,500 FIRE target

Chattanooga, TN

$50,000/year baseline

$1,250,000 FIRE target

Memphis, TN

$48,600/year baseline

$1,215,000 FIRE target

Calculate your FIRE date for any city in Tennessee

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

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