Financial Scenario Modeling
College Coaching Buyout Simulator
Simulate the exact cost to terminate any NCAA head coach as of any calendar date. Explore step-down schedules, daily amortization savings, and future employment mitigation offsets.
Interactive Financial Modeler
Simulate Termination Date & Buyout Cost
See how contract amortization, date milestones, and mitigation clauses reduce buyout liability over time.
NO
Rob HarleySecure
Northern Illinois • Group of 5 • Contract thru 2027-12-31
Annual Salary
$628,087
Current Buyout (Today)
$1,947,405
Selected Date: 2026-09-16 (471 days remaining on contract)
Or pick any exact date:
Buyout Owed on 2026-09-16
$1,947,405
Official USA Today Verified Buyout
Savings by Delaying to This Date
$0
Natural amortization saves $1,462 / day
If Coach Leaves Voluntarily
$1,000,000
Amount coach / hiring team owes Northern Illinois
Duty to Mitigate (New Job Offset Analysis)
Because Rob Harley's contract contains an affirmative duty to mitigate, any salary he earns at a new coaching job (as a head coach, coordinator, or analyst) directly reduces what Northern Illinois owes him.
Estimated University Offset Savings:-$1,934,292
Net Buyout Owed by University:$13,113
Contract Calculation Formula:
USA Today FOIA benchmark: $1,947,405. Serving as head coach at Northern Illinois following Thomas Hammock departure.
💡 By waiting 6 months, natural salary amortization reduces buyout liability by ~$267K.
Why does the date matter so much in coaching buyouts?
1. Daily Salary AmortizationBecause coaches are paid on monthly or bi-weekly cycles, every single day that passes pays out a portion of their annual base and supplemental salary, naturally reducing the remaining guaranteed liability.
2. Contractual Step-Down DatesMany deals (such as Dabo Swinney’s contract at Clemson) have contractual cliffs on January 1st or December 1st where buyouts instantly drop by $5M to $8M overnight.
3. Hiring Windows & MitigationWaiting to fire a coach until the coaching carousel is active in December makes it much more likely the coach lands a new coordinator or head coaching job quickly, triggering the duty to mitigate and saving the university millions in offsets.