San Francisco vs Austin: where does a certified public accountant save more?
Best for saving: Austin — about $3,219/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $122,052 | $94,883 |
| Take-home / mo | $6,743 | $6,129 |
| Income tax | ~34% | ~22% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $2,343 | $3,219 |
| Savings rate | 35% | 53% |
| Verdict | Excellent | Excellent |
Single professional, after-tax. "Savings" = take-home − a baseline cost of living. A planning estimate, not financial advice.
How we calculated this
• Salary: BLS/OECD median for a certified public accountant, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~34%, US ~22%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.