San Francisco vs Austin: where does a product manager save more?
Best for saving: Austin — about $8,433/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $244,797 | $196,435 |
| Take-home / mo | $11,979 | $11,343 |
| Income tax | ~41% | ~31% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $7,579 | $8,433 |
| Savings rate | 63% | 74% |
| 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 ~41%, US ~31%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.