Solo Roth 401(k)
Up to ~$23K elective deferral — employer side too.
Built for college athletes
Snapcap
Snapcap turns NIL contract income into a properly run athlete-business. LLC, S-corp election, payroll, defensible reasonable salary, and the wealth-building layer — coordinated as one subscription, not a relay of attorneys, CPAs, and payroll vendors.
Email snapcap@polsia.app · CPA-reviewed · state-licensed filing partners
The savings
The math is provable.
Basic isolates the payroll question: a sole proprietor's simplified self-employment line applies 15.3% to 92.35% of net business income, while an S-corp pays employee and employer FICA on salary only. Advanced keeps that same payroll math and adds the 2026 standard deduction, QBI limits, SSTB treatment, and separate state estimate so you can see the full comparison for your own inputs.
Basic
FICA / SE tax only
Isolate payroll-tax difference with your income, expenses, and salary
Advanced
Full tax comparison
Federal, QBI, state, payroll, and retained-cash treatment
CPA-ready
Educational estimate
A clear starting point for a personalized review
Advanced · Full tax comparison
What your NIL actually keeps.
Choose your calculator view
Separate gross revenue from expenses, choose one state, and see the same income through a sole-proprietor lens and an adjustable reasonable-salary S-corp lens—with the 2026 single-filer standard deduction and QBI guardrails shown in the math.
Calculating the comparison…
How it works
One coordination point. Four moves.
Snapcap runs the entity, the payroll, the bookkeeping, and the wealth-building layer — so the athlete and their family aren't hand-offs between an attorney, a CPA, and a payroll vendor.
What's included
Formation isn't the product.
The coordination is.
Every subscription bundles the ongoing tax, payroll, and bookkeeping work that a freelance LLC can't keep straight on its own. Pricing stays flat, year one and year five.
Entity & setup
- LLC formation & state filings
- S-corp election (Form 2553)
- EIN & registered agent
- Operating agreement
- Business banking setup
Ongoing — bundled
- Bi-weekly payroll administration
- Multi-state withholding & SUI
- Quarterly estimated-tax coordination
- Annual reasonable-salary review
- Bookkeeping (CPA-reviewed)
Entity and payroll work is reviewed by CPAs and executed through state-licensed filing partners where required.
The wealth layer
Build the savings. Then build the wealth.
Most competitors stop at the S-corp. Snapcap extends the structure — Solo Roth 401(k), backdoor Roth, donor-advised funds — so the savings keep compounding after the NIL window closes.
Backdoor Roth IRA
Tax-free growth outside the S-corp, for the athlete and the family.
Donor-advised fund
Charitable giving that compounds the family’s tax plan.
Reasonable-salary review
Annual defensibility check — not a one-time setup.
Get started
Sign before you sign the next deal.
Snapcap is built into the NIL ecosystem — partnered with collectives, agents, athletic-department compliance, and the CPAs who already advise athlete families. Email us and we'll point you to the right next step.