BUILT FOR NIL MONEY

Your NIL 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.

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Reserve for taxes

Fund future goals

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Your financial tools and information are private. Athletes must sign in and complete their profile before entering income, expenses, tax reserves, goals, or other financial information.

CALCULATORS & NIL TOOLS

One focused money workspace

Build the budget, test major decisions, and explore NIL value in one place. Athlete tools require registration; the athletic-department model is public.

NIL Budget & Deal Calculator

See income, fees, costs, estimated taxes, savings, and available spending.

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Income & Mileage

Track received income, trips, tolls, parking, receipts, and exportable summaries.

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Goals & Decision Calculators

Test vehicle, housing, rental-property, family-support, and post-sport decisions.

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NIL Value Estimator

Estimate an educational opportunity range using athlete, market, role, and audience inputs.

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NIL Deal Analyzer

Review compensation, deliverables, restrictions, and transparent benchmark assumptions.

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Compliance Pre-Check

Identify deal details and documents that may need school or professional review.

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Transfer Value

Model a possible opportunity range for a target division and projected role.

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Jock Tax

Build an educational state-tax reserve estimate for multi-state NIL income.

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Retirement

Illustrate how recurring contributions may compound over time.

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Professional Collaboration

Share selected PDFs with a parent, CPA, attorney, agent, or financial professional.

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Educational estimates only. NILBudget does not provide financial, tax, legal, investment, accounting, compliance, or other professional advice. Please hire and consult qualified professionals before making decisions.

NILBUDGET EDUCATION & PRESENTATIONS

Bring the NIL money conversation to your athletes, families, or organization.

If you are viewing NILBudget and would like a presentation about NILBudget or related financial-literacy topics, please feel free to reach out. Sessions can be tailored for student-athletes, parents, coaches, athletic departments, collectives, or other organizations.

Understanding your budget

Turn irregular or one-time NIL payments into a realistic monthly plan.

Taxes and the budget

Understand why a tax reserve can affect available spending and when professional review matters.

Gross versus net NIL income

Account for fees, expenses, noncash compensation, and payment timing before spending.

Cash flow and irregular income

Plan for delayed payments, low-income months, bills, deliverables, and financial deadlines.

Credit, debt, and major decisions

Discuss credit use, vehicles, housing, family support, and other commitments in the full budget.

Records and professional readiness

Organize agreements, payments, expenses, mileage, and questions for a CPA or financial professional.

Presentation formats and topics can be customized.Educational programming does not replace individualized tax, legal, investment, accounting, or financial advice.

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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.

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What you enter

Add your athlete, school, residency, dependency, scholarship, international, and business-profile information.

What it tells you

This profile personalizes later prompts and highlights areas that may require state, international, school-compliance, or professional review.

Recommended next step

Confirm the profile is accurate, then continue to Income & Spending.

Income & Spending

Contracted and received income, monthly budget categories, actual spending, cash flow, and custom income sources.

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What you enter

Separate annual, monthly, contracted, and received income. Add projected costs and actual spending without treating one-time payments as recurring income.

What it tells you

See monthly cash flow, available spending, category totals, and the difference between your plan and actual activity.

Recommended next step

Review unpaid agreements and recurring expenses before setting tax and savings allocations.

Tax Readiness

Reserve tracking, federal and state estimates, quarterly payments, withholding, assumptions, documents, and CPA review status.

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What you enter

Enter reserve balances, withholding, prior payments, multi-state activity, and payment dates using records you can verify.

What it tells you

See an educational reserve estimate, possible quarterly gaps, deadlines, and missing readiness items—not a tax return or guaranteed liability.

Recommended next step

Keep reserve cash separate and review the assumptions with a qualified CPA or tax professional.

NIL Business

Legal structure separated from federal tax treatment, professional team, infrastructure checklist, expenses, and entity education.

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What you enter

Identify your legal structure, federal tax treatment, business systems, professional team, and ordinary operating costs.

What it tells you

Compare organizational requirements and simplified entity scenarios without automatically labeling expenses deductible or recommending an election.

Recommended next step

Discuss material entity, payroll, deduction, and contract decisions with qualified professionals.

Allocation Plan

Adjustable taxes, savings, emergency, investing, family, lifestyle, and available-cash percentages with a 100% check.

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What you enter

Choose percentages for each priority and keep total allocations at 100%. Adjust them to reflect your actual obligations and goals.

What it tells you

See how each dollar of monthly income is assigned before it is treated as spendable.

Recommended next step

Confirm essential bills and tax reserves first, then save the allocation plan to your budget.

Decisions & Mileage

Vehicle, vacation, rent, family support, income-change simulations, business mileage, tolls, parking, and review flags.

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What you enter

Model one decision at a time using realistic prices, financing terms, timing, and business-purpose mileage records.

What it tells you

See how a choice changes cash flow and preserve an organized mileage estimate for professional review.

Recommended next step

Add a selected scenario to the budget only when you want it included; remove it if the decision changes.

Saving & Investing

Educational IRA and business-retirement account tracking, contribution awareness, eligibility prompts, and projection assumptions.

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What you enter

Select account types, enter intended contributions, and review current income and plan-eligibility questions.

What it tells you

See educational contribution-limit and eligibility warnings plus illustrations based on assumptions—not investment recommendations.

Recommended next step

Verify earned income, MAGI, plan rules, and contribution deadlines with qualified tax and financial professionals.

Net Worth & Goals

Assets, liabilities, liquid net worth, monthly debt obligations, custom goals, and life-after-sports transition funding.

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What you enter

Add current asset values, debts, minimum payments, target amounts, dates, and a post-sports transition budget.

What it tells you

See a point-in-time net-worth snapshot and measurable progress toward the goals you created.

Recommended next step

Update balances regularly and prioritize goals that protect essential living needs and transition readiness.

Reports & Sharing

PDF and CSV reports plus granular, revocable access for parents and qualified professionals—without transfer authority.

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What you enter

Choose the report or section, verify its information, and select only the people and access level you intend.

What it tells you

Create a dated snapshot for discussion. A report is not professional approval and does not authorize money transfers.

Recommended next step

Share securely, revoke access when appropriate, and update the plan after professional feedback.

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.

KNOW THE GAME

Eight things to understand before you sign.

NIL rules, markets, taxes, and contract terms change. These are educational starting points—not guarantees or professional advice.

$20.5M

Year-one school cap

For 2025–26, participating Division I institutions were permitted—not required—to share up to $20.5 million in revenue with athletes. The cap changes over time and each school decides allocation.

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What this means

The cap is a school-level maximum, not an amount promised to any athlete or team. Participation, roster decisions, allocation formulas, contract terms, payment timing, and treatment of scholarships may differ by institution.

What to do next

Ask your athletic department what applies at your school, whether you must sign an agreement, how payments are scheduled, and what happens after transfer, injury, loss of eligibility, or graduation.

$600+

Deals may require reporting

Division I third-party NIL agreements totaling $600 or more generally fall within NIL Go reporting and review rules. Confirm current timing and requirements with your school.

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What this means

Reporting is different from approval, tax filing, and contract review. Deal aggregation, amendments, payment form, timing, payor relationships, and school or conference procedures may affect what must be submitted.

What to do next

Before signing, contact your compliance office, keep the complete contract and deliverables, and record the signing date so you can meet applicable deadlines.

Varies

Third-party income is uneven

Headline deals are not typical for every athlete. Sport, role, school, audience, market, deliverables, timing, and negotiation can materially change compensation.

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What this means

A large public deal is not automatically a useful comparison. Cash versus product, contract length, exclusivity, content usage, appearances, travel, payment timing, and termination rights all affect economic value.

What to do next

Compare net take-home value—not just gross compensation—and use the Deal Calculator before accepting a commitment.

Social

Audience quality matters

Follower count can matter, but engagement, audience fit, content quality, reputation, consistency, and a brand’s business goals may be just as important.

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What this means

Brands may evaluate who follows you, where they live, how often they engage, whether your content matches the campaign, and whether your reputation fits the brand. Purchased followers or inflated engagement can damage credibility.

What to do next

Track authentic engagement, understand your audience, preserve account security, and clarify content usage and approval rights in writing.

Concentrated

Revenue sports receive attention

Football and basketball often receive substantial revenue-sharing and NIL resources, but allocation varies by institution and opportunity exists across many sports.

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What this means

Media attention and institutional resources are not the same as guaranteed athlete income. Team allocation, roster role, local market demand, collective activity, and brand fit may produce very different outcomes.

What to do next

Build a budget from received and reliably contracted income rather than assumptions based on sport or headlines.

Growing

Women’s sports opportunities

Women’s basketball, volleyball, gymnastics, softball, track and other sports continue attracting brand interest. Athlete-specific results still vary widely.

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What this means

Strong communities, distinctive stories, audience engagement, event visibility, and brand alignment can create opportunities across many women’s sports. Growth statistics do not guarantee an individual offer or price.

What to do next

Develop an authentic profile, document audience insights, price the required work, and have qualified professionals review important agreements.

Taxes

Reserve before spending

All NIL income must generally be reported. Some NIL activity may be self-employment income, but classification and federal, state, local, and payroll obligations depend on the facts.

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What this means

Cash, products, services, vehicles, housing, cryptocurrency, revenue share, and payments earned in multiple states can raise different reporting questions. A reserve estimate is not final tax liability.

What to do next

Keep payment and expense records, separate tax-reserve cash, track work locations, and ask a CPA about classification, withholding, estimated payments, deductions, and filing requirements.

Contracts

Professional fees reduce take-home

Agent, attorney, management, production, travel, platform, insurance, and accounting costs depend on the agreement. Calculate every cost before treating gross compensation as spendable.

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What this means

A deal can also impose exclusivity, usage rights, content revisions, appearances, travel, cancellation exposure, or delayed payment. These obligations affect both financial value and time required.

What to do next

List every cost and deliverable, calculate effective hourly and take-home value, and have an attorney review material contract terms before signing.

Illustrative example—not a market benchmark

A starting athlete signs three local opportunities: a $3,000 appearance, a $5,000 social-media series, and a $4,000 summer camp. Gross compensation is $12,000 before taxes, professional fees, travel, production, and other costs. The lesson is to budget from net cash received—not headlines or unsigned opportunities.