Jobs Map
All tools

Take-home pay comparator

Two offers, two cities: what each salary leaves after federal, state, and city income tax, and what it buys at local prices. A rough 2025 estimate for a single filer in the US, not tax advice.

Offer A
Offer B
Austin comes out $9,967 a year ahead
To match San Francisco's $150,000 in Texas, Austin would need to pay about $115,749.

San Francisco

Gross
$150,000
Federal income tax
-$25,067
Social Security
-$9,300
Medicare
-$2,175
State income tax
-$10,492
Take-home
$102,966 ($8,580/mo)
Effective tax rate
31.4%
Price level (US = 100)
112.6
Buys what this does nationally
$91,444

Austin

Gross
$130,000
Federal income tax
-$20,267
Social Security
-$8,060
Medicare
-$1,885
State income tax
$0
Take-home
$99,788 ($8,316/mo)
Effective tax rate
23.2%
Price level (US = 100)
98.4
Buys what this does nationally
$101,411

Estimates for a single filer with W-2 wages, 2025 brackets, the federal standard deduction, and no retirement contributions or credits. State tax ignores state deductions; city tax covers New York City and Philadelphia only. Prices are BEA Regional Price Parities by state, so a metro like San Francisco costs more than its state average suggests. Sources are listed in web/lib/tools/pay.ts.