Austin vs San Francisco: where does a psychiatrist save more?
Best for saving: San Francisco — about $15,159/mo after taxes and living costs.
Austin US | San Francisco US ★ Best for saving | |
|---|---|---|
| Median salary | $236,340 | $420,872 |
| Take-home / mo | $13,311 | $19,559 |
| Income tax | ~32% | ~44% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $10,401 | $15,159 |
| Savings rate | 78% | 78% |
| 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 psychiatrist, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~32%, US ~44%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.