Let the console install the core data from the disc or the base digital download without trying to fetch the latest "Title Update" simultaneously.
The "Calculating upgrade cost" error in typically occurs when the game client loses synchronization with the 2K servers while trying to process Virtual Currency (VC) transactions for MyPlayer attributes. This bug effectively locks your ability to improve your player, often appearing after a fresh installation or a major title update. nba 2k22 calculating upgrade cost fix install
Update your game, restart your console, and play one game before upgrading. You should be able to build your 99 OVR demon without the spinning wheel of death. Let the console install the core data from