San Jose vs Austin: where does a physician (general practice) save more?
Best for saving: San Jose — about $14,566/mo after taxes and living costs.
San Jose US ★ Best for saving | Austin US | |
|---|---|---|
| Median salary | $404,986 | $272,440 |
| Take-home / mo | $18,906 | $15,130 |
| Income tax | ~44% | ~33% |
| Living costs / mo | $4,340 | $2,910 |
| Savings / mo | $14,566 | $12,220 |
| Savings rate | 77% | 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 ~44%, US ~33%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.