How much of my NBA contract do I actually get?

On average, NBA players take home 40‑50% of their contract after federal tax, state tax, agent fees, FICA, and jock tax. Use the free calculator to see your exact breakdown.

Why is my NFL paycheck so much smaller than my contract?

Federal income tax (up to 37%), state tax, agent commission (up to 3%), FICA, and jock tax can consume over half of your contract. Plus, NFL contracts are not fully guaranteed.

What is the jock tax?

The jock tax is state income tax levied on professional athletes for every away game they play. Each state taxes a portion of your salary based on duty days spent there. It can add up to 2‑5% of your total salary. Read our full explanation in the Articles section.

How long until I go broke after I retire?

Use BreadTruth Pro's bankruptcy countdown. Enter your monthly spending and current savings, and it estimates how many years your money will last.

Can I compare what I'd make on a different team?

Yes. BreadTruth Pro lets you compare your current team with any other team in your league to see the after‑tax difference side‑by‑side.

What is NBA escrow and how much is taken?

NBA escrow withholds 10% of player salaries to ensure the players' share of Basketball Related Income doesn't exceed the agreed cap. A portion may be returned after the season. Read our full article for details.

Do college athletes pay taxes on NIL income?

Yes. NIL income is taxable. Student athletes are typically treated as self‑employed and must pay self‑employment tax (15.3%) in addition to federal and state income taxes. Use the BreadTruth calculator and select NCAA to estimate your take‑home pay.

BreadTruth — Pro Athlete & NIL Take‑Home Pay Calculator | NBA NFL MLB NHL NCAA Jock Tax & Escrow

⚠️ This is not tax advice, financial advice, or legal advice. This is just the math. We use publicly available tax rates and league rules to give you a rough estimate. Always talk to a real accountant. Learn more in our Articles →

How much did you sign for? (or annual NIL income) What sport do you play? Which team? (or college)

The headlines say:

You actually get:

* Estimates based on publicly available tax rates and league rules.

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Feature	Free	Pro
Take‑home pay breakdown	✓	✓
All 6 leagues + NCAA	✓	✓
Bankruptcy countdown	✗	✓
Trade comparison	✗	✓
League vs. league	✗	✓
PDF export	✗	✓
Retirement cliff simulator	✗	✓

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