What OnlyFans keeps, and what actually reaches your pocket

The platform keeps 20% of everything: subscriptions, tips, paid content. It isn't negotiable and it doesn't change with how much you make. Most creators know this part.

What surprises people is the rest. Between the number on your dashboard and the money you keep there are another three or four items, and together they often weigh more than that first 20%.

The first cut: the platform

On €1,000 earned, €800 reaches your balance. It's the simplest calculation of the lot, and the only one you can do nothing about.

Worth knowing: the fee applies to each transaction gross, not to your monthly total. So there are no thresholds where it drops, and no plan that reduces it.

The second cut: getting to your money

A balance on the platform is not money in your bank account. In between sit:

• The minimum payout threshold. Below a certain figure the payment doesn't go out, and the money sits there.
• The waiting days. Time passes between the request and the transfer, and the first time it takes longer.
• Currency conversion. OnlyFans pays in dollars. If your account is in euros, someone else does the conversion and charges for it — usually between 1% and 3%, which on larger sums is not a detail.

The third cut: tax

There's no single answer here, because it depends on your country and how you're set up. But one rule holds everywhere: what comes in is revenue, not profit.

The most common mistake, and the most expensive, is spending the balance as if it were net. People who do that get the bill a year later, when the money is gone. The practical rule that works is putting aside a fixed share of every payout the moment it lands, and not touching it — how much is a question for an accountant, not an article.

The fourth cut: what production costs you

Nobody withholds this one: you spend it. Equipment, subscriptions, and above all your time. If you spend six hours a day answering messages, those six hours have a cost even if you don't pay anyone for them.

It's the calculation almost nobody does, and it's the one that says whether handing conversations to someone else is worth it. You don't decide on what the service costs: you decide on what the hour it gives back is worth.

The sum that matters

Adding up: on €1,000 earned, €200 goes to the platform. Of the remaining €800, part disappears into conversion and payment fees, and a serious share already belongs to the tax office.

What's genuinely left is a fraction of what the dashboard shows. That isn't a reason not to do this work — it's the reason people who do it well keep separate accounts from month one, instead of discovering them in year two.

If you want an order of magnitude on the gross, the calculator on this site already deducts the platform's 20% and shows where the money would come from. The other items it can't: they change from person to person.