Home › Paychecks in the News › Zay Flowers Extension After Taxes
🏈 Baltimore Ravens · 4-year extension

Zay Flowers: What He Keeps
From a $140M Extension

Four years, $140 million, with $108 million reported as guaranteed. After federal tax at 37% and Maryland’s state tax, here is the yearly take-home.

$35M a year · Maryland · ~$19.0M take-home

In plain English

A signing bonus feels like a jackpot, but it is taxed like wages, and withholding on a big bonus is 37%. The money reaches him smaller than the headline, just like a bonus does on a normal paycheck.

The Contract: $140M, With $108M Reported Guaranteed

The Ravens and Flowers agreed to a four-year, $140 million extension with $108 million guaranteed in August 2026, per WJLA. It averages $35 million a year.

A source-based breakdown from Pro Football Talk lists a $24.855M signing bonus plus a $1.145M 2026 base salary, about $26M in 2026. Those details come from sources, not the team, so treat them as reported.

Contract
$140M
4 years
Guaranteed
$108M
Reported
Take-Home
~$19.00M
Per year at $35M
Per Game
~$1.12M
Take-home, 17 games

The Tax Breakdown: A Year at the $35M Average

At $35M almost all of his pay is taxed at 37% federal. Here is a year at the average.

Zay Flowers: average-year estimated breakdown
Average yearly salary (4 years, $140M)$35,000,000
Federal income tax (37% top bracket, ~36.9% effective)−$12,900,000
Maryland income tax (state brackets, county tax not included)−$2,267,959
Medicare (1.45% + 0.9% above $200K)−$820,700
Social Security (6.2% up to $184,500)−$11,439
Estimated take-home~$18,999,902
Federal tax takes $12.90M a year, about 36.9% of his pay. Maryland adds $2.27M and FICA $0.83M. Maryland counties also charge a local income tax that is not in these numbers, so his real take-home is a little lower.

What most people miss on their own paycheck

By the Year, the Game and the Contract

A year at the average, split into games, plus what the reported 2026 payment looks like after tax.

PeriodGrossTake-home
Per game (17 games)$2.06M$1.12M
Per week (18-week season)$1.94M$1.06M
2026 reported cash (signing bonus + base)$26.00M$14.13M
Average year of the deal$35.00M$19.00M
Full 4-year deal$140.0M$76.0M

The 2026 row uses the PFT-reported $24.855M signing bonus plus $1.145M base. The 4-year line assumes a flat $35M a year, but the real schedule varies.

The Jock Tax: Road Games Count

NFL players owe income tax to every state where they work, by duty days.

🧾 How It Works for a Raven

The formula: duty days in a state ÷ total duty days × salary × that state’s rate.

Maryland and counties: Maryland residents also pay a county income tax, which varies by county and is not modeled here. Maryland gives a credit for tax paid to other states on the same income.

Residency assumption: this page assumes Maryland residency, since the Ravens play in Baltimore.

🔀 Hypothetical — For Educational Purposes Only

What If Flowers Played for a Texas Team?

Texas has no state income tax. Same average year, no Maryland bill.

Actual — Maryland (state only)
~$19.00M kept

One year at the average after federal + Maryland + FICA

Hypothetical — Texas (0% state tax)
~$21.27M kept

Same pay, no state income tax. Only federal + FICA apply.

One-year difference: +$2.27M more in Texas vs. Maryland

Maryland’s state tax costs Flowers about $2.27M a year versus Texas, and county tax would add more. Over four years that is roughly $9.1M.

Frequently Asked Questions

How much does Zay Flowers make after taxes?

At the $35M average, Flowers keeps roughly $19.00M a year after federal tax ($12.90M), Maryland tax ($2.27M) and FICA ($0.83M). County tax is not included, so the real number is a bit lower.

What is Zay Flowers’ contract?

A four-year, $140 million extension with the Ravens with $108 million reported as guaranteed, agreed in August 2026, per WJLA. It averages $35M a year.

How big is Zay Flowers’ signing bonus?

Reported at $24.855M by Pro Football Talk, with $18.855M paid within 10 days and $6M by October 31, 2026. A signing bonus is taxed like wages, with 37% withholding on supplemental pay over $1 million.

How much does Zay Flowers make per game?

At the average, about $2.06M per game before tax and $1.12M per game after tax over 17 games. Bonuses are paid on their own schedule, so this is an average.

What does “guaranteed” mean in an NFL contract?

Guaranteed money is paid even if the team cuts the player. Here $108M of the $140M is reported guaranteed, which is why the deal is considered safe compared with headline-only totals. Guarantees are about when he gets paid, not how much tax he owes.

What would Flowers keep in Texas?

About $21.27M a year, which is $2.27M more, because Texas has no state income tax.

How much will Flowers keep over the full deal?

At a flat $35M a year, he would keep about $76.0M out of $140.0M after federal, Maryland state and FICA. County tax and the real payment schedule would change it.

Does the jock tax affect Flowers?

Yes. He owes tax to other states for road games, and Maryland credits tax paid elsewhere up to Maryland’s own amount. Because Maryland’s rate is moderate, high-tax road stops such as California can cost extra.

What is Zay Flowers’ salary in 2026?

Reported at about $26.0M of cash in 2026: a $24.855M signing bonus plus a $1.145M base salary, per Pro Football Talk. After federal, Maryland and FICA tax, that is about $14.1M. County tax would lower it a bit.

How does Zay Flowers’ contract rank among NFL receivers?

At $35M a year, the deal was reported as tying him for the fourth-highest average annual value among wide receivers, level with Justin Jefferson, per one report. Rankings shift as new deals are signed, so check a current list.

How long is Zay Flowers’ contract?

Four years, running through the 2031 season, per reports of the August 2026 extension. The $108M guaranteed portion is reported to be protected even if the Ravens cut him, subject to the contract’s terms.

See What Maryland Takes From Your Paycheck

Maryland adds a county tax on top of the state tax. Check your own take-home.

Calculate Maryland Take-Home →

Contract figures are as publicly reported (sources linked above) and can differ from the official terms. Tax estimates are illustrative, use 2026 federal and state rates, assume a single filer with the standard deduction and a flat yearly amount, and ignore local taxes, deductions and agent/advisor costs. Not financial or legal advice.