


NRL Salary Cap and the Importance of Post-Footy Financial Planning

The NRL’s salary cap has steadily increased over the years, reflecting the growing popularity and financial success of the sport. In 2023, the base salary cap for clubs stood at $11,050,000, rising to $11,700,000 by 2027. While these figures might seem impressive, the reality is that a professional rugby league career is short, and many players face serious financial challenges once the final whistle blows on their playing days.
The Numbers Behind the Cap
Here’s a quick breakdown of the NRL’s salary cap from 2023 to 2027:
- 2023: $11,050,000 base salary cap
- 2024: $11,250,000 base salary cap
- 2025: $11,400,000 base salary cap
- 2026: $11,550,000 base salary cap
- 2027: $11,700,000 base salary cap
While the numbers continue to rise, it’s important for players to remember that these earnings are only available for a brief period of their lives. The average NRL career lasts less than 10 years, and once their playing days are over, many athletes struggle to transition into life off the field.
Post-Footy Struggles: Learning from Past Players
Sadly, the stories of players who struggle financially and personally after rugby are all too common. Without a solid plan, even the highest-paid athletes can find themselves in dire straits once their careers end. Here are some cautionary tales:
- Jason Smith: A former star, Smith became a pub owner after retirement but struggled with financial mismanagement. He would then be charged with cocaine trafficking.
- Brett Seymour: After facing financial and personal struggles, Seymour would primarily become known for his alcoholism and criminal record.
- Martin Kennedy: Another former star, Kennedy ended up in jail for illegal wildlife trafficking. His story is a reminder of how players can find themselves in serious legal trouble without proper post-career guidance.
- John Elias: His post-career involvement in organised crime further emphasises how easily former players can spiral without the right support.
Why Financial and Career Planning Matter
These examples serve as a powerful reminder that NRL players need to plan for life after football. A solid financial strategy and career pathway during their playing days can make a huge difference.
From managing income wisely to investing in education and alternative careers, players need to prepare for the inevitable end of their sporting careers.

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