Taylor Swift's estimated $2.1 billion fortune and Travis Kelce's estimated $90 million net worth may make them one of the wealthiest celebrity couples in America.

But to top matrimonial attorneys, it also makes a prenuptial agreement almost inevitable, The Washington Post reports.

"It would be nonsensical for them not to have a prenuptial agreement," said Nancy Chemtob, a New York-based divorce attorney who has represented celebrity clients including Bobby Flay and Mary-Kate Olsen.

According to Forbes estimates, Swift's fortune tops $2.1 billion, built from an $800 million stream of royalties and touring, a music catalog valued at roughly $600 million, and more than $100 million in real estate.

Kelce's wealth, while impressive, is estimated at about $90 million from his NFL career, endorsements and podcast ventures.

"Her wealth is tremendous and his wealth is substantial, and that's what the irony is," Chemtob said.

Kelce would rank among the wealthiest spouses in most marriages, yet his assets remain only a fraction of Swift's.

‘YOURS, MINE & OURS’

Without a prenup, money earned during the marriage generally becomes marital property that could be divided in a divorce.

James Sexton, a New York family lawyer whose clients include celebrities and billionaires, believes the couple would likely adopt a straightforward "yours, mine and ours" approach.

Under that structure, each spouse keeps assets already in his or her own name, along with future earnings from separate careers, while jointly acquired assets would be shared.

That distinction could become increasingly important because Swift's earning power is widely expected to continue climbing long after Kelce's NFL career ends.

Her music catalog, touring business and royalties could generate billions more over coming decades.

Sexton says wealthy couples actually have an easier time negotiating prenups than middle-class Americans.

"It's a whole lot easier doing a prenup for somebody like Travis and Taylor than it is for a garbage man and a nurse," he said.

Affluent couples, as opposed to “John Q. Public,” generally aren't worried about how either spouse would pay basic living expenses after a divorce.

Even without disputes over who owns what, dividing enormous fortunes can become extraordinarily expensive.

Celebrity clients have arrived seeking a simple 50-50 split, Sexton said, only to discover that "it takes eight lawyers six months to figure out what this person has and how to divide it in half."

High-net-worth divorces often require forensic accountants and valuation experts to estimate everything — from future royalty streams to the long-term value of entertainment contracts and intellectual property.

"If you have enough money, you can hire experts to say almost anything," Sexton said.

A carefully drafted prenup can dramatically reduce those costs by limiting what must be valued and litigated, potentially saving hundreds of thousands of dollars.

Lowering the potential drag of a costly divorce is one benefit of a prenup. But perhaps even more beneficial is putting a lid on what Sexton says could add up to "a tremendous amount of headache."

Still, even the best prenup cannot eliminate every courtroom battle.

Randall Kessler, an Atlanta divorce attorney at Kessler & Solomiany who has represented athletes and celebrities — including Cardi B, Cam Newton and Dominique Wilkins — said divorce court remains "very unpredictable."

Among his firm's past courtroom opponents have been Michael Jordan, Ludacris, Usher Raymond and Sen. Raphael Warnock, D-Ga.

‘BAD BOY CLAUSES’

Some celebrity prenups include "Bad Boy Clauses" that preserve the agreement if one spouse cheats, while others impose million-dollar financial penalties for infidelity.

Michael Stutman, a New York matrimonial litigator and partner at Alter Wolff Foley & Stutman, says clients have requested everything from infidelity "penalty boxes" to required levels of intimacy, plastic surgery provisions, and sobriety clauses.

"The shopping list goes on and on and on," Stutman said.

"After doing this for a while, there isn't anything surprising."

Newsmax Wires contributed to this report.