Most OnlyFans earnings calculators multiply subscribers by price and stop. This one keeps going: the 20% platform fee, the agency cut, your expenses, and self-employment tax figured the way the IRS actually figures it. It also asks for your churn, because a subscriber list shrinks every single month and that is what breaks the projections.
Last updated August 2026
About $ a year, before income tax
At % churn you lose about subscribers this month, so you need that many new ones just to stay flat. With new subs you end next month at about , which is .
Estimate only. Self-employment tax is figured at 15.3% of 92.35% of net earnings with the Social Security portion capped at the 2026 wage base, per IRS rules. Federal and state income tax are not included.
To calculate OnlyFans earnings, start with gross revenue (subscribers times subscription price, plus pay per view and tips), subtract the 20% OnlyFans fee, subtract any agency commission, subtract your business expenses, then subtract self-employment tax at 15.3% of 92.35% of what is left. On a typical $2,000 gross month with a 20% agency, a creator keeps around $1,000 before income tax.
The part that trips people up is not the arithmetic, it is the assumption underneath it. Subscriber counts are not a salary. They decay. At 30% monthly churn a page with 100 subscribers loses 30 of them before the next rebill, so 30 new signups a month buys you exactly zero growth. Every projection that treats your current subscriber count as a fixed number is describing a month, not a year.
That is why the calculator above asks for churn and for new subscribers separately. If it tells you the page is shrinking, the fix is traffic, not pricing. For where that traffic comes from, see how to promote OnlyFans, and for what to charge in the first place, how much to charge on OnlyFans.
This is the same math the calculator runs, written out. The example assumes a 20% agency charging on the post platform balance, $150 of monthly expenses, and no other income.
| Step | Amount | Remaining | What it is |
|---|---|---|---|
| Gross revenue | $2,000 | 100% | Everything a fan pays you in a month: subscriptions, pay per view unlocks, tips and paid live streams. This is the number screenshots on social media are quoting. |
| OnlyFans fee, 20% | minus $400 | 80% left | OnlyFans takes 20% of every dollar, not just subscriptions. Tips and PPV are cut at the same rate. The fee is charged before anything else touches the money. |
| Agency commission | minus $320 | 64% left | Shown here at 20% of the post platform figure, which is the low end. Agencies vary from roughly 20% to 50%, and whether they charge on gross or on net changes the number a lot. |
| Business expenses | minus $150 | 56.5% left | Lingerie, props, ring light, phone, a share of your internet, promo spend, subscriptions to editing apps. Real and deductible, but real money out the door first. |
| Self-employment tax | minus $132 | 49.9% left | Federal Social Security and Medicare on your profit. Computed properly this is 15.3% of 92.35% of net earnings, not 15.3% of everything. |
| What you keep | $998 | 49.9% | Before any federal or state income tax. On a $2,000 gross month with an agency, roughly half of the money reaches you. That is the number worth planning around. |
Roughly half. That is the honest headline on a page that pays an agency, and it is why the base an agency charges on matters so much. A cut taken on gross instead of on the post platform balance costs you a further 20% of that commission for the whole life of the contract. We break the models down on OnlyFans agency cost, and what belongs in the paperwork on OnlyFans agency contracts.
OnlyFans subscriptions rebill monthly, and a meaningful share of any list does not rebill. Nobody publishes an official churn figure, so treat these as planning scenarios rather than data. The point is the shape: churn sets the minimum amount of new traffic your page needs before it grows at all.
| Page size | Monthly churn | New subs to stand still | What this page looks like |
|---|---|---|---|
| 100 subscribers | 20% a month | 20 new subs | A well managed page with strong retention and a lot of one to one messaging. |
| 100 subscribers | 30% a month | 30 new subs | Common for an average page. Roughly a third of your list rolls off every month. |
| 100 subscribers | 40% a month | 40 new subs | Typical when most subs arrived through a free trial or a heavy discount promo. |
| 100 subscribers | 50% a month | 50 new subs | What a page looks like after a viral spike. Half the list leaves before the second rebill. |
Read the bottom row carefully, because it is the one that catches people after a good week. A page that spikes to 200 subscribers on a viral post and then loses half of them a month is not a 200 subscriber page, it is a 100 subscriber page with an expensive memory. The work that changes this is retention: welcome messages, a reason to stay past the first rebill, and actual conversation. Start with how to keep OnlyFans subscribers.
Almost every calculator that mentions tax applies a flat 15.3% to your profit. That is close, but it is not the rule. The IRS states that the amount subject to self-employment tax is 92.35% of your net earnings from self-employment, and that the 15.3% is made up of 12.4% for Social Security and 2.9% for Medicare. Applying 15.3% to the full figure overstates the bill by roughly 8%.
Three more things the IRS rules add, all of which the calculator above already handles or flags. You owe self-employment tax once net earnings reach $400 for the year. The Social Security half stops applying above the annual wage base, which is $184,500 for 2026, while the Medicare half keeps going with no cap. And when you file, one half of the self-employment tax is deductible against your adjusted gross income, which softens the income tax layer that sits on top.
That income tax layer is deliberately not in the calculator, because it depends on your filing status, your other income and your state. The useful thing to know is that the two layers behave very differently at the bottom end. With a 2026 standard deduction of $16,100 for a single filer, a creator netting $9,000 for the year owes no federal income tax at all, and still owes self-employment tax on nearly all of it. Small year, real tax bill. That surprises people every April.
One more trap worth naming: the 1099 threshold moved. For payments made after 2025 the 1099-NEC reporting threshold rose from $600 to $2,000, so plenty of creators will now get no tax form whatsoever and still owe tax on every dollar. A form arriving is not what creates the liability. Full detail on the OnlyFans 1099 and the wider picture on OnlyFans taxes.
If you do not have real numbers yet, anchor on these rather than on a screenshot. OnlyFans does not publish a creator income table, so every tier here is reported rather than official, and the spread inside each one is enormous.
Under $200 a month
Most accounts. Widely reported across creator surveys and press coverage, and it is the tier nobody screenshots.
$300 to $1,500 a month
Posting on a schedule, actively selling in DMs, promoting off platform every day.
$3,000 to $8,000 a month
A real content and messaging operation, usually with help answering DMs.
$20,000 and up
A fraction of one percent. Almost always an existing audience brought from somewhere else.
The median is the number worth sitting with. Most OnlyFans accounts earn under $200 a month, and the gap between that and the tier above it is almost never about content quality. It is about how many people see the page and how many of them are still there in month three. For the full breakdown by level, see how much OnlyFans models make, or whether OnlyFans is worth it if you are still deciding.
OnlyFans takes 20% of everything you earn and you keep 80%. The fee applies to subscriptions, pay per view messages, tips and paid live streams at the same flat rate. There is no lower tier for small creators and no volume discount for large ones. The 20% is deducted before the money reaches your balance, so the figure in your OnlyFans dashboard is already net of it.
It is only as accurate as the churn number you give it. Subscriber counts are not stable, they decay every month, so a calculator that multiplies subscribers by price will overstate a real year badly. Treat any calculator output as a snapshot of one month at your current retention, not a salary. The deduction math is exact; the revenue input is an estimate.
You owe self-employment tax once your net earnings from self-employment reach $400 for the year, according to the IRS. That threshold is far lower than most creators expect and it applies whether or not anyone sends you a tax form. Separately, for payments made after 2025 the 1099-NEC reporting threshold rose to $2,000, so many creators now receive no form at all and still owe the tax.
Before. The 20% comes off first, at the platform, and you never receive it. You are taxed on what you actually earn after that fee, not on the gross a fan paid. So a $2,000 gross month is $1,600 of income to you, and the 20% is not separately deductible because it was never your money.
Reported agency commissions run from about 20% to 50%. The number that matters more than the headline rate is the base it is charged on. A 30% cut of your gross is a bigger bite than a 30% cut of your post platform balance, because the platform already took 20% first. Always get the base written into the contract.
At a $10 subscription with no tips or PPV, you need roughly 125 active subscribers to gross $1,250 and keep $1,000 after the 20% fee. In practice most creators reach $1,000 with far fewer subscribers, because pay per view and tips usually out-earn subscription revenue on an active page.
No. OnlyFans treats creators as independent contractors, not employees, so nothing is withheld for federal, state, Social Security or Medicare. You receive the full 80% and you are responsible for the entire tax bill yourself, usually through quarterly estimated payments.
Play with the calculator for a minute and the same thing happens every time. Raising your price barely moves the annual figure. Cutting expenses barely moves it. The two inputs that move it are new subscribers a month and churn, and both of them are traffic and retention problems rather than pricing problems.
That is the part we handle. Promotion that brings real subscribers to the page, and the messaging work that keeps them past the second rebill. Free, confidential application, and we reply within 24 hours whether it is a fit or not.
Tell us where your page is now and we will tell you honestly whether we can move it, and what that would look like.
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