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