Austin vs San Francisco: where does a surgeon save more?
Best for saving: San Francisco — about $22,854/mo after taxes and living costs.
Austin US | San Francisco US ★ Best for saving | |
|---|---|---|
| Median salary | $487,767 | $600,082 |
| Take-home / mo | $25,687 | $27,254 |
| Income tax | ~37% | ~45% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $22,777 | $22,854 |
| Savings rate | 89% | 84% |
| 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 surgeon, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~37%, US ~45%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.