Here's how much you need to earn to live comfortably in major U.S. cities

If you want to live comfortably in any of America's largest cities, it will come at a high price, according to a new study.

An individual must earn $96,500 a year before taxes to afford housing, groceries, transportation and entertainment, while also paying off debt and putting some money into savings, according to personal finance website SmartAsset. A two-parent household supporting two children needs a combined $235,000 to live comfortably, SmartAsset said in a study released Thursday. 

Those income levels only apply to Americans living in the nation's 99 largest cities, according to SmartAsset's study, which also noted that it takes an even higher salary to reside in sprawling metros like Boston and New York.