San Francisco vs Austin: where does a physician (general practice) save more?
Best for saving: San Francisco — about $12,774/mo after taxes and living costs.
San Francisco US ★ Best for saving | Austin US | |
|---|---|---|
| Median salary | $363,590 | $272,440 |
| Take-home / mo | $17,174 | $15,130 |
| Income tax | ~43% | ~33% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $12,774 | $12,220 |
| Savings rate | 74% | 81% |
| 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 physician (general practice), adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~43%, US ~33%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.