Salary Levels by Experience
| Experience Level | Salary Range | Est. Annual Net |
|---|---|---|
| Fellow (cardiology) | $70,000–$97,000 | ~$63,093 |
| Junior Attending | $389,000–$508,000 | ~$268,174 |
| Senior Attending | $497,000–$626,000 | ~$326,199 |
| Interventionalist / Director | $616,000–$842,000 | ~$409,527 |
Tax Breakdown at $475,000 (Bi-Weekly)
| Component | Per Paycheck | Annual | % of Gross |
|---|---|---|---|
| Gross Pay | $18,269.23 | $475,000 | 100% |
| Federal Income Tax | −$5,021.04 | −$130,547 | 27.5% |
| CA State Income Tax | −$1,630.42 | −$42,391 | 8.9% |
| FICA (SS + Medicare) | −$780.04 | −$20,281 | 4.3% |
| Net Take-Home | $10,838 | ~$281,781 | 59.3% |
What Drives Cardiologist Pay in San Francisco
Cardiologists in New York City manage some of the nation's most complex cardiovascular cases at world-renowned academic medical centers and private cardiology practices. NYC's large, aging population and high rates of cardiovascular risk factors among its diverse communities sustain robust demand across every subspecialty of cardiology.
Interventional cardiologists — those performing cardiac catheterizations, stenting, and structural heart procedures — earn the highest incomes in the specialty, often 25–40% above non-invasive cardiologists. Electrophysiologists specializing in ablation and device implantation also command significant premiums. The competitive NYC cardiology market is increasingly concentrated in large employed group practices affiliated with academic medical centers, though independent cardiology groups remain active in the outer boroughs.
- Interventional vs. non-invasive vs. electrophysiology subspecialty
- Procedure volume and cath lab access
- Academic appointment and clinical trial participation
- Hospital employment vs. private group partnership
Top San Francisco Employers
Major employers hiring cardiologists in San Francisco include: UCSF, Kaiser SF, Sutter Health, California Pacific Medical Center.
Tax note: A cardiologist earning $440,000 in NYC will owe approximately $200,000–$220,000 in combined federal, state, and city taxes, making deferred compensation plans and backdoor Roth IRA strategies essential components of long-term financial planning.
Frequently Asked Questions
A cardiologist earning $475,000 in San Francisco takes home approximately $281,781 per year, or $10,838 per bi-weekly paycheck, after all taxes. The effective tax rate is 40.7%.
San Francisco cardiologist salaries range from $70,000–$97,000 at entry level to $616,000–$842,000 for senior professionals. The median mid-career salary is approximately $475,000.
After medical school (4 years), a cardiology-track physician completes internal medicine residency (3 years), general cardiology fellowship (3 years), and an interventional cardiology fellowship (1 year) — a minimum of 11 years of training after the undergraduate degree before independent attending practice.
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