Can I Afford to Live in Tokyo vs Albany on $120K?
Here's how a $120K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Tokyo JP | Albany NY |
|---|---|---|
| Monthly take-home (est.) | $5,155 | $6,465 |
| 1BR rent | $1,200 | $1,400 |
| Groceries (est.) | $380 | $380 |
| Transport (est.) | $150 | $68 |
| Utilities | $90 | $185 |
| Internet | $30 | $65 |
| Left after essentials | $3,305/month | $4,367/month |
Frequently asked questions
Is $120K a good salary in Tokyo?
At $120K/year in Tokyo, your estimated monthly take-home is $5,155. With 1BR rent around $1,200/month, rent takes up 23% of your take-home. That's considered comfortable.
Is $120K a good salary in Albany?
At $120K/year in Albany, your estimated monthly take-home is $6,465. With 1BR rent around $1,400/month, rent takes up 22% of your take-home. That's considered very comfortable.
Which city is more affordable on a $120K salary?
Albany leaves you with more money after core expenses — $4,367/month vs $3,305/month in Tokyo.
Can I afford to live alone in Tokyo on $120K?
Yes. At $120K in Tokyo, rent takes 23% of your take-home, leaving $3,305/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only