San Francisco, CA: $119,570

Income needed: $119,570

50 percent for necessities: $59,785

30 percent for discretionary spending: $35,871

20 percent for savings: $23,914

San Francisco residents face one of the of the biggest gaps between their actual incomes and ideal incomes needed to live in the city, with the $78,378 median income falling $41,192 short of the income needed to follow the 50-30-20 budget.