Austin vs San Francisco: where does a software engineer save more?
Best for saving: Austin — about $6,608/mo after taxes and living costs.
Austin US ★ Best for saving | San Francisco US | |
|---|---|---|
| Median salary | $159,408 | $208,801 |
| Take-home / mo | $9,518 | $10,486 |
| Income tax | ~28% | ~40% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $6,608 | $6,086 |
| Savings rate | 69% | 58% |
| 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 software engineer, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~28%, US ~40%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.