For informational purposes only. This tool provides estimates based on your inputs and may differ from actual outcomes. It does not constitute financial advice. Please consult a qualified professional before making financial decisions. Terms
Compare your salary's real purchasing power across 50+ US cities. See exactly how far your paycheck goes.
You save $54,947 less in Austin
Austin is 45.8% cheaper
$54,947/yr less needed
Annual cost estimates based on typical household spending proportions applied to your salary.
100 = US National Average
Monthly estimates based on typical household spending proportions. Actual costs vary by lifestyle and neighborhood.
San Francisco
-$63,780
Est. annual savings
-53.1% savings rate
Austin
-$32,807
Est. annual savings
-50.4% savings rate
CA (9.3%)
$108,840
After state tax
TX (0%)
$65,053
After state tax
What if you earn a San Francisco salary but live in Austin?
$120,000
$183,780
-$63,780
$120,000
$97,860
$22,140
$65,053
$97,860
-$32,807
Remote work arbitrage assumes you keep your San Francisco salary while living in Austin. Does not account for state tax differences or employer location-based pay adjustments.
Projected wealth from investing annual savings at 7% return
Live in San Francisco
$0
After 10 years
Live in Austin
$0
After 10 years
Remote Worker Savings
$305,896
After 10 years
Assumes annual savings invested at 7% average annual return (historical S&P 500 average after inflation). Does not account for taxes on investment gains.
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Estimates based on publicly available cost of living data. Actual costs may vary by neighborhood, lifestyle, and personal circumstances. Tax rates shown are approximate state income tax rates and do not include federal, local, or property taxes.
A $100,000 salary in San Francisco has very different purchasing power than the same salary in Austin or Des Moines. Cost of living varies dramatically across the US, with housing often being the biggest differentiator. This tool helps you make informed decisions about job offers, relocations, and remote work.
We use a composite cost of living index where 100 represents the US national average. Each city is scored across five categories: housing, food, transportation, healthcare, and utilities. Your equivalent salary is calculated by adjusting for the ratio between the two cities' overall cost indexes.
Beyond raw salary comparison, consider state income tax differences, commute costs, quality of life factors, and career growth opportunities. A lower cost of living city with no state income tax can dramatically increase your savings rate and accelerate your financial goals.
Remote workers earning a high-cost-city salary while living in a low-cost area can save 30-50% more annually. This “geographic arbitrage” compounds dramatically. A $20,000/year savings advantage invested at 7% becomes over $300,000 in 10 years.
The city you choose affects not just your monthly budget but your lifetime wealth trajectory. Higher savings rates in affordable cities compound over decades. A 10% higher savings rate over 20 years can mean $500,000+ more at retirement.
Your inputs carry over automatically. Just pick a tool.
Compare salary purchasing power between US cities. See how far your paycheck goes with cost of living adjustments for housing, food, transport, healthcare, and utilities.
The calculator uses a cost of living index for 50+ US cities where 100 represents the national average. Your salary is adjusted by the ratio between two cities' indexes to show the equivalent purchasing power. For example, a $100K salary in a city with index 190 equals about $54K in a city with index 103.
The index includes five major categories: housing (the largest factor), food and groceries, transportation, healthcare, and utilities. Each category is weighted based on typical US household spending proportions.
The core comparison feature is free, including city-to-city salary equivalents, category breakdowns, and visual charts. PRO features include city rankings, annual savings analysis, and state tax impact comparisons.
