TAKE-HOME ESTIMATOR

NIL earnings & tax calculator

Estimate what a college athlete actually keeps after federal income tax, self-employment tax, state tax, and platform economics. Educational estimate only — not tax advice.

Your NIL year

$0$25,000$500,000
$0$1,500$50,000
0%10%25%
$0$0$100,000

Estimated take-home

$16,565.33

Effective tax rate on gross: 17.7%

Tax breakdown

  • Agent / manager fee−$2,500
  • Net self-employment income$21,000
  • Self-employment tax (15.3%)−$2,967.21
  • Federal income tax−$491.64
  • State income tax−$975.82
  • Total taxes$4,434.67

If this came through PAY-RAISE-PLAYS

Every contribution splits 94.5% / 3% / 2.5%.

  • To athlete (94.5%)$23,625
  • Player education fund (3%)$750
  • Platform + processing (2.5%)$625
Estimates use 2025 single-filer federal brackets, a $14,600 standard deduction, and a 15.3% self-employment tax on 92.35% of net SE income. State rates are simplified averages. Not tax or legal advice — consult a qualified professional.
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