San Francisco vs Austin: where does a nlp engineer save more?
Best for saving: Austin — about $4,972/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $175,055 | $127,360 |
| Take-home / mo | $9,029 | $7,882 |
| Income tax | ~38% | ~26% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $4,629 | $4,972 |
| Savings rate | 51% | 63% |
| 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 nlp engineer, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~38%, US ~26%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.