How to Use This OnlyFans Calculator
This OnlyFans earnings calculator estimates your monthly and annual income based on key revenue drivers. Here's what each input means:
- Active Subscribers — The number of paying subscribers on your page at any given time. This isn't total subscribers ever — it's your current active count.
- Subscription Price — Your monthly subscription rate. OnlyFans allows pricing from free to $49.99/month. Most successful creators charge $5.99-$14.99.
- PPV Revenue Per Subscriber — Average pay-per-view message revenue per subscriber per month. This includes locked content sent via DMs. For many top creators, PPV is the largest revenue source.
- Tips Per Subscriber — Average tips received per subscriber per month, including custom content payments.
- OnlyFans Platform Fee — OnlyFans takes 20% of all earnings. This is non-negotiable.
- Agency Commission — If you work with an agency, enter their commission rate. Set to 0% if you're self-managed.
- Monthly Expenses — Content production costs, equipment, props, outfits, software subscriptions, and any other business expenses.
How Much Do OnlyFans Creators Actually Make?
OnlyFans earnings follow a steep power curve. Based on publicly available data and our experience managing creators:
- Bottom 50%: Under $100/month. Most creators who start never gain traction because they lack a content strategy, marketing plan, or consistency.
- Top 30%: $500-$2,000/month. These creators post consistently and have basic marketing in place.
- Top 10%: $2,000-$10,000/month. Serious creators with active DM strategies, social media funnels, and usually some form of management support.
- Top 1%: $10,000-$100,000+/month. Professional operations with dedicated chat teams, multi-platform marketing, and sophisticated revenue diversification.
The biggest variable isn't follower count — it's monetization strategy. A creator with 200 subscribers and excellent DM management will out-earn a creator with 2,000 subscribers and no PPV strategy. This is exactly why working with a professional agency often makes financial sense.
Why PPV Revenue Matters More Than Subscription Price
Many new creators focus obsessively on subscription pricing, but the real money is in PPV (pay-per-view) messages. Here's the math:
A creator with 500 subscribers at $9.99/month earns ~$4,995/month in subscription revenue. But if their chat team sends strategic PPV content averaging $25/subscriber/month, that's an additional $12,500 — nearly triple the subscription income.
This is why agencies invest heavily in chat management teams. Quality chatters who understand your voice and build genuine subscriber relationships are the single highest-ROI investment in an OnlyFans business. Learn more about what agencies charge and what you get for that investment.
OnlyFans Taxes: What You Need to Know
OnlyFans income is self-employment income. In the US, this means you owe:
- Self-employment tax: 15.3% (Social Security + Medicare) on net earnings
- Federal income tax: Your marginal tax rate (10-37% depending on total income)
- State income tax: Varies by state (0% in TX, FL, NV, etc. — up to 13.3% in CA)
A common rule of thumb: set aside 25-35% of your net OnlyFans earnings for taxes. You're required to make quarterly estimated tax payments if you expect to owe $1,000+ in tax for the year. The self-employment tax estimate shown in the calculator covers only the 15.3% SE tax — your total tax burden will be higher.
Consider forming an LLC or S-Corp once you're earning consistently. An S-Corp election can save significant self-employment tax at higher income levels. Consult a tax professional who understands creator income.
How an Agency Increases Your Earnings
The calculator lets you toggle agency commission on and off. Here's the reality: while agencies take a commission (typically 20-50% of net earnings), creators who work with quality agencies typically earn 3-5x more than they would solo.
How? Agencies provide:
- 24/7 DM management — Professional chatters who never miss a message, maximizing PPV and tip revenue
- Marketing and traffic — Multi-platform promotional strategies that drive new subscribers
- Content strategy — Data-driven content planning that optimizes what you create
- Retention systems — Welcome sequences, re-engagement campaigns, and loyalty programs
- Business operations — Scheduling, analytics, DMCA takedowns, and everything else you'd rather not manage
When evaluating whether an agency is worth it, don't compare your current earnings minus commission — compare your projected earnings with professional management. A creator earning $3,000/month solo who joins an agency and grows to $12,000/month still takes home significantly more, even after a 40% commission.
Not sure how to evaluate agencies? Read our guide on how to choose the right OnlyFans agency.
Frequently Asked Questions
How much can you realistically make on OnlyFans?
With consistent content, active marketing, and strong DM management, earning $5,000-$20,000/month is realistic within 3-6 months. The creators who treat it as a business — not a hobby — are the ones who reach these numbers. Our agency has helped creators go from $0 to $50K in their first month with the right strategy and execution.
What percentage does OnlyFans take?
OnlyFans takes 20% of all earnings. This applies to subscriptions, tips, PPV messages, and custom content. There are no additional hidden fees from the platform itself. The remaining 80% is paid out to the creator (or their agency, depending on account setup).
How do I increase my OnlyFans earnings?
The highest-impact actions, in order: (1) Implement a PPV strategy with quality content tiers, (2) Improve DM response time and engagement quality, (3) Build social media funnels on Reddit, Twitter/X, and TikTok, (4) Optimize subscription pricing based on your niche, (5) Create retention systems to reduce subscriber churn. An agency handles all five of these simultaneously.
Is this calculator accurate?
This calculator provides estimates based on the inputs you provide. Actual earnings depend on factors like content quality, posting consistency, niche, marketing effort, and subscriber engagement. Use it as a planning tool, not a guarantee. The numbers tend to be most accurate for creators with established audiences — newer creators should expect a ramp-up period.