NIL Deal Calculator
See fees, costs, estimated taxes, payment timing, and effective hourly value before saying yes.
BUILT FOR NIL MONEY
Your deal amount is not your spending amount.
Turn NIL income into a clear plan for taxes, business costs, future goals, and what is actually available to spend.
Build my NIL budget Free calculator · No card required
1
Enter NIL income
2
Subtract commitments
3
Reserve for taxes
4
Fund future goals
5
See available spending
THE FIVE-STEP PLAN
Build your first NIL money plan
Start with one deal or payment. You can refine categories and collaborate with professionals later.
GROW WITH YOUR NIL
One focused money workspace
Income & Mileage
Track contracted versus received income, business trips, tolls, parking, receipts, and exportable summaries.
Goals & Decisions
Plan future money, vehicle costs, family support boundaries, and post-sport transitions.
Professional Collaboration
Share only selected sections with a parent, CPA, attorney, agent, or financial professional—never money-transfer access.
YOUR COMPLETE MONEY PLAN
From first deal to life after sports.
NILBudget organizes a detailed financial picture into athlete-friendly modules. Projected plans and actual activity remain separate so athletes can compare, learn, and adjust.
Athlete & Tax Profile
School, sport, class year, residency, filing status, dependents, scholarships, international status, and multi-state activity.
Income & Spending
Contracted and received income, monthly budget categories, actual spending, cash flow, and custom income sources.
Tax Readiness
Reserve tracking, federal and state estimates, quarterly payments, withholding, assumptions, documents, and CPA review status.
NIL Business
Legal structure separated from federal tax treatment, professional team, infrastructure checklist, expenses, and entity education.
Allocation Plan
Adjustable taxes, savings, emergency, investing, family, lifestyle, and available-cash percentages with a 100% check.
Decisions & Mileage
Vehicle, vacation, rent, family support, income-change simulations, business mileage, tolls, parking, and review flags.
Saving & Investing
Educational IRA and business-retirement account tracking, contribution awareness, eligibility prompts, and projection assumptions.
Net Worth & Goals
Assets, liabilities, liquid net worth, monthly debt obligations, custom goals, and life-after-sports transition funding.
Reports & Sharing
PDF and CSV reports plus granular, revocable access for parents and qualified professionals—without transfer authority.
Designed around financial guardrails
No automatic deduction claims, no IRS-approved salary claims, no guaranteed credits or account eligibility, no investment recommendations, and no sale or sponsor targeting based on private financial data.
EDUCATION, NOT ADVICE
Learn the money language behind every NIL deal.
Explore gross versus net income, estimated taxes, product compensation, agent fees, LLC misconceptions, credit, banking, emergency savings, investing basics, scams, international-athlete considerations, and life after college sports.