How much does OnlyFans take? Fees explained
OnlyFans keeps 20% of everything fans pay you. Here is what you keep in real numbers, and the hold days, payout costs and taxes that also reduce your take-home.
In this guide
OnlyFans takes 20% of what you earn and you keep 80%. That part is simple. What surprises new creators is everything around it: the days your money is on hold, the costs of getting it to your bank, chargebacks, taxes and the fees of anyone who works for you. This short guide covers what OnlyFans takes and what actually reaches you.
How much does OnlyFans take from creators?
20% of your earnings. It applies to everything fans pay you: subscriptions, tips, pay-per-view messages and posts. You keep the other 80%. There is no fee to open an account, no monthly charge and no extra cost to create a page.
The split is the same for every creator, whether you have ten fans or ten thousand. The company’s own accounts show the same ratio: in its 2025 financial year, fans paid about $7.8 billion and creators received about $6.2 billion. To see what that means per creator, read our guide on how much OnlyFans creators make.
What you keep, in numbers
| A fan pays | OnlyFans keeps (20%) | You get (80%) |
|---|---|---|
| $4.99 subscription | $1.00 | $3.99 |
| $9.99 subscription | $2.00 | $7.99 |
| $20 tip | $4.00 | $16.00 |
| $50 pay-per-view message | $10.00 | $40.00 |
| $1,000 in a month | $200 | $800 |
To estimate a full month from your price and number of fans, use our OnlyFans earnings calculator.
Does OnlyFans take a cut of tips?
Yes. Tips work like any other payment: OnlyFans keeps 20% and you get 80%. The same goes for pay-per-view messages, paid posts and custom content sold through the platform.
What the 20% pays for
In exchange, OnlyFans hosts your content, takes the card payments, deals with fraud and chargebacks, and pays you out. It does not list a separate card-processing fee for creators. What it does not do is promotion: OnlyFans has no discovery feed, so bringing fans to your page is still your job.
Other costs that reduce what you take home
The 80% is your share, not your profit. Plan for these too:
- Pending period. New earnings are on hold for about 7 days before you can withdraw them. In some countries the hold is longer at first.
- Minimum withdrawal. You need at least $20 in your available balance to request a payout.
- Bank and currency costs. Your bank or e-wallet may charge to receive the money or to convert currencies, and international transfers can carry extra fees. Check the costs for your country before you choose a payout method.
- Chargebacks. If a fan disputes a payment with their bank and wins, that amount is removed from your earnings, sometimes after you have already seen it.
- Taxes. OnlyFans does not withhold income tax for you. Set part of every payout aside, and use our OnlyFans tax calculator for an estimate.
- Agency and chatter fees. Agencies usually take a percentage of your revenue on top of the platform fee. Make sure you know exactly what it is calculated on, gross or net, before you sign.
- Promotion. Paid shoutouts, ads or featured placement are costs too, and they only pay off if they bring fans who stay.
Is the 20% fee worth it?
For most creators, yes. OnlyFans handles payments, chargebacks and payouts, and fans already trust it with their cards. Other platforms have different splits and features, but what decides your income is not the fee: it is how many fans you bring and keep. A creator with twice the traffic earns far more, whatever the platform.
That is why the cost that matters most is the one you choose: where you spend your time and money to get fans. Our guide on how to promote your OnlyFans compares every channel.
Frequently asked questions
What percentage does OnlyFans take?
20% of everything fans pay you, including subscriptions, tips and pay-per-view. You keep 80%.
Does OnlyFans charge creators a monthly fee?
No. There is no fee to join and no monthly charge. OnlyFans only earns its 20% when you earn.
How much does OnlyFans take from a $10 subscription?
About $2. You get about $8 for every $10 a fan pays.
Does OnlyFans take taxes out of my earnings?
No. The 20% is a platform fee, not a tax. You are responsible for your own income taxes, so set part of each payout aside.
When can I withdraw my earnings?
New earnings are usually held for about 7 days, and you need at least $20 available to request a payout. Transfers then take a few business days to arrive.
OnlyFans keeps 20%, and that is the easy part to plan for. Count the hold days, payout costs and taxes too, and spend your energy on what really moves your income: getting fans to your page and keeping them.
