San Francisco vs Austin: where does a psychiatrist save more?
Best for saving: San Francisco — about $15,159/mo after taxes and living costs.
San Francisco US ★ Best for saving | Austin US | |
|---|---|---|
| Median salary | $420,872 | $317,235 |
| Take-home / mo | $19,559 | $17,428 |
| Income tax | ~44% | ~34% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $15,159 | $14,518 |
| Savings rate | 78% | 83% |
| 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 ~44%, US ~34%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.