Retrieving waveguiding properties of plasmonic metal nanowires (MNWs) through numerical simulations is time- and computational-resource-consuming, especially for those with abrupt geometric features and broken symmetries. Deep learning provides an alternative approach but is challenging to use due to inadequate generalization performance and the requirement of large sets of training data. Here, we overcome these constraints by proposing a transfer learning approach for modeling MNWs under the guidance of physics. We show that the basic knowledge of plasmon modes can first be learned from free-standing circular MNWs with computationally inexpensive data, and then reused to significantly improve performance in predicting waveguiding properties of MNWs with various complex configurations, enabling much smaller errors (~23–61% reduction), less trainable parameters (~42% reduction), and smaller sets of training data (~50–80% reduction) than direct learning. Compared to numerical simulations, our model reduces the computational time by five orders of magnitude. Compared to other non-deep learning methods, such as the circular-area-equivalence approach and the diagonal-circle approximation, our approach enables not only much higher accuracies, but also more comprehensive characterizations, offering an effective and efficient framework to investigate MNWs that may greatly facilitate the design of polaritonic components and devices.