Austin vs San Francisco: where does a product manager save more?
Best for saving: San Francisco — about $7,579/mo after taxes and living costs.
Austin US | San Francisco US ★ Best for saving | |
|---|---|---|
| Median salary | $176,540 | $244,797 |
| Take-home / mo | $10,339 | $11,979 |
| Income tax | ~30% | ~41% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $7,429 | $7,579 |
| Savings rate | 72% | 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 product manager, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~30%, US ~41%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.