OnlyFans tax calculator 2026

Estimate your US taxes on OnlyFans income: self-employment tax, federal income tax, how much to set aside from every payout and your quarterly payments.

An estimate, not tax advice. This simulator uses 2026 federal figures from the IRS and the Social Security Administration and is for US taxpayers. It does not include tax credits, itemized deductions or exact state rules. Use it to plan, and check your real numbers with a tax professional before you file or pay.

Your OnlyFans income

Per year Per month

This number is before OnlyFans’ 20% fee Use the same number as your 1099 if you have one. If you enter what you were paid out, leave the box unchecked.

Filing status

Single Married filing jointly Head of household

Other wages per year (W-2)A regular job, yours or your spouse’s if you file jointly.

State income tax rate (%)Leave 0 if your state has no income tax.

Add your business expenses (lowers your tax)

Camera, lighting and gear

Phone and internet (business share)

Editing apps and subscriptions

Costumes, props and sets used only for content

Promotion and ads

Agency or management fees

Other business costs (accountant, legal…)

Home studio size (sq ft, max 300)

Your estimate will appear here How much to set aside, the full breakdown and your four quarterly payments.

Promotion is a business expense Growing your page with paid promotion usually counts as a deductible cost. Ask your tax professional. See our plans →

The basics

How OnlyFans taxes work in the US

OnlyFans does not hire you: for the IRS you are self-employed. Nobody takes taxes out of your payouts, so you pay them yourself.

Self-employment tax15.3% for Social Security and Medicare, on 92.35% of your net profit. It applies once your net earnings reach $400 a year. Social Security stops at $184,500 of combined earnings in 2026; Medicare has no limit.

Federal income taxYour profit adds to any other income and is taxed at 10% to 37% after the standard deduction ($16,100 single, $32,200 married filing jointly in 2026). Half of your self-employment tax is deductible.

QBI deductionMany self-employed people can deduct up to 20% of their business income. Above $201,750 of taxable income ($403,500 if married filing jointly) the rules get complex, so the calculator leaves it out there.

State income taxDepends on where you live. Some states have none, others go above 10%. The calculator uses the flat rate you enter.

Tax forms

The OnlyFans 1099 tax form: what you get and what you file

If you are paid above the reporting threshold ($2,000 for payments made in 2026), OnlyFans sends you a Form 1099 and reports the same amount to the IRS. It comes from Fenix Internet LLC, the company behind OnlyFans, so that is the name you will see.

You owe tax on your OnlyFans income even if you do not receive a 1099. You report it on Schedule C (profit and loss from your business) and pay self-employment tax with Schedule SE, both attached to your Form 1040.

Keep your monthly statements from OnlyFans and the receipts for every expense. If the IRS asks, those records are what prove your numbers.

When does OnlyFans send the 1099, and where do you find it?

Companies have to send 1099 forms for the previous year by January 31. OnlyFans delivers it electronically, so look in your OnlyFans account and in the email you use for it. If you cannot find it by early February, contact OnlyFans support.

Before you file, check that the amount on your 1099 matches your own records, and that you report the same number on Schedule C.

Deductions

OnlyFans tax write-offs

Costs that are ordinary and necessary for your business lower your taxable profit. The rule of thumb: if you would not have bought it without OnlyFans, it may be deductible. Keep the receipts.

EquipmentCameras, lights, tripods, microphones and a computer used for your content. Big purchases may need to be depreciated instead of deducted at once.

Phone and internetOnly the business share. If you use your phone 60% for OnlyFans, you deduct 60%.

Home office or studioA space used regularly and only for your business. The simplified method is $5 per square foot, up to 300 square feet.

Costumes, props and setsDeductible when they are used only for content. Everyday clothes and makeup you also wear in normal life usually are not.

Software and subscriptionsEditing apps, scheduling tools, cloud storage and chat management tools.

PromotionAds, shoutouts and promotion services you pay to grow your page.

Agency and professional feesManagement agency commissions, accountants and lawyers working for your business.

Personal items, cosmetic procedures and clothes you also wear outside your content are usually not deductible. When in doubt, ask a tax professional.

Pay as you go

Quarterly estimated taxes for OnlyFans creators

If you expect to owe $1,000 or more for the year, the IRS expects you to pay during the year, in four payments. Paying late can mean a penalty, even if you pay everything in April.

A common safe harbor: pay at least 100% of last year’s total tax (110% if your income was above $150,000) spread over the four dates, and you avoid the underpayment penalty.

Payment	Covers income from	Due
Q1	January – March	April 15, 2026
Q2	April – May	June 15, 2026
Q3	June – August	September 15, 2026
Q4	September – December	January 15, 2027

FAQ

OnlyFans tax questions

Do you have to pay taxes on OnlyFans?

Yes. In the US, OnlyFans income is self-employment income. You owe self-employment tax once your net earnings reach $400 a year, plus federal and, in most states, state income tax.

How much should I set aside for taxes from OnlyFans?

It depends on your income, expenses and state. Many creators set aside 25% to 30% of every payout to be safe. The calculator gives you a percentage based on your own numbers.

Does OnlyFans take out taxes for me?

No. As a self-employed creator you receive your payouts without tax withheld, so you have to save for taxes and pay them yourself, usually in quarterly payments.

Is the OnlyFans 20% fee tax deductible?

You only pay tax on what is really your income. If the amount you report includes OnlyFans’ 20%, the fee is a business expense. If you report what you were paid out, the fee is already left out, so do not deduct it again.

What OnlyFans tax form will I get?

A Form 1099 from Fenix Internet LLC, the company behind OnlyFans, if you were paid above the reporting threshold. You owe tax on your income even if you do not get one.

When does OnlyFans send out 1099s?

By January 31, for the income of the previous year. It arrives electronically: check your OnlyFans account and your email.

Do OnlyFans creators pay taxes if they earn a little?

Self-employment tax starts at $400 of net earnings a year. Below that you may still need to report the income, depending on the rest of your situation.

I live outside the US. Does this apply to me?

No. This calculator only covers US taxes. Other countries tax creator income differently, so check the rules where you live.

Is this calculator tax advice?

No. It is a planning estimate based on 2026 IRS and Social Security figures. It does not include credits, itemized deductions or every state rule. Talk to a tax professional before you file or pay.

Sources

IRS, Rev. Proc. 2025-32 — 2026 tax brackets, standard deduction, QBI thresholds and 1099 reporting threshold.
Social Security Administration — 2026 Social Security wage base ($184,500).
IRS, Self-employment tax
IRS, Estimated taxes

Figures for tax year 2026. Last reviewed: October 2026.

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