How Much Does OnlyFans Take? The 20% Fee Explained
OnlyFans keeps 20% and pays the creator 80% of every subscription, tip, pay-per-view sale and other fan payment. The company's own accounts show it: in the year to November 2024 fans spent $7.2 billion and creators were paid $5.8 billion, about 80.6%. OnlyFans publishes no lower rate for big accounts.
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The fee is simple: 20% of every payment goes to OnlyFans and 80% to the creator. There are no plans, tiers or cheaper rates for big accounts, and OnlyFans' filed accounts show no sign of any.
What creators actually take home is lower than 80% for other reasons: chargebacks come back out of earnings, money waits in a pending balance before it can be withdrawn, and many accounts pay an agency or a chat team out of their 80%.
"OnlyFans takes 20%" is the whole answer to the fee question, but it is not the answer to how much a creator ends up with. That depends on what happens after the sale.
This page covers where the 20% applies, what the company's accounts say about it, how the money moves from a fan's card to a creator's bank, and what is left after an agency split. What is owed on the rest is covered under taxes at the end, and the legal side in is OnlyFans legal.
What the 20% applies to
Yes, OnlyFans takes a percentage of tips: the same 20% it takes from subscriptions and pay-per-view, so a $50 tip leaves the creator $40 and OnlyFans $10. The 20% applies to every way a fan can pay a creator, including tips on posts, in messages and during live streams. Nothing a fan buys is fee-free, and nothing carries a higher fee.
- Subscriptions, including renewals and discounted bundles.
- Tips, which carry the same 20% as subscriptions, on posts, in messages and during live streams.
- Pay-per-view messages and posts, the locked PPV content sold inside chats and on the feed.
- Custom requests, which are usually paid as a tip or a pay-per-view message.
Does OnlyFans always take 20%?
Yes. OnlyFans does not publish a lower rate for large creators or agencies, and its accounts give no hint of one.
| Fiscal year (to Nov 30) | Fans spent | OnlyFans revenue | Revenue as a share of fan spending |
|---|---|---|---|
| 2023 | $6.6 billion | $1.3 billion | 19.7% |
| 2024 | $7.2 billion | $1.41 billion | 19.6% |
The platform's revenue has stayed just under a fifth of what fans spend while that spending grew by about $600 million in a year. If the biggest accounts paid a lower rate, that share would slip as they grew. It has not.
The creator side of the same year matches: fans spent $7.2 billion and creators were paid $5.8 billion, according to the accounts reported by RTÉ. That is 80.6% of fan spending.
Results for the year to November 2025, reported in August 2026, put revenue at about $1.6 billion, up 10%, according to Yahoo Finance, citing the Financial Times. The platform has not changed the 20% in that time. The statistics page has the full set of numbers.
What a creator keeps from $10,000 of fan spending
A creator keeps $8,000 of every $10,000 fans spend on OnlyFans before chargebacks, bank costs, any agency split and tax, because the platform takes 20% first.
| Step | Amount | What happens |
|---|---|---|
| Fans pay | $10,000 | Subscriptions, tips and pay-per-view across the month |
| OnlyFans fee (20%) | -$2,000 | Taken before the money reaches the creator's balance |
| Creator earnings | $8,000 | Shown on the account's earnings page |
| Chargebacks (example) | -$120 | Disputed payments reversed after the sale |
| Agency on a 40% cut of earnings | -$3,152 | Only if an agency runs the account |
| Creator's share | $4,728 | Before bank fees, currency conversion and tax |
Two lines in that example cause most arguments between creators and agencies. The first is what the agency percentage is calculated on. At 40%, taking it from fan spending instead of from the creator's 80% moves $800 on this example from the creator to the agency. A contract should say which one it is.
The second is chargebacks. A fan can ask their bank to reverse a payment weeks after buying, and that money comes back out of earnings the creator may already have withdrawn and shared. How that works, and how to keep it rare, is on the refunds and chargebacks page.
Agency rates vary widely; the OnlyFans agency guide covers the usual ranges and what each level of service includes.
How OnlyFans pays creators
Money moves in four steps, and the Banking page of a creator account shows each one; the OnlyFans payouts guide gives the holding period, the minimum and each payout method.
- 01Pending
New earnings wait in a pending balance for a holding period, which gives payment problems time to surface.
- 02Available
Once cleared, earnings move to the available balance.
- 03Withdrawal
Withdraw manually once the balance passes the minimum, or set an automatic withdrawal schedule.
- 04Payout
Money goes to the payout method set up for the account, which depends on the country.
Why the payout is smaller than the earnings page
Your OnlyFans payout is smaller than your earnings page for three reasons: earnings still in the pending period cannot be withdrawn yet, chargebacks reverse money after the sale, and your bank or payout service can charge fees or convert currency, since earnings are held in US dollars. Which withdrawal costs come from OnlyFans and which from the bank is answered below.
Before the first withdrawal
Before the first withdrawal, OnlyFans also has to approve the account's identity and banking details. The verification guide explains that process.
What the 20% pays for
The fee covers card processing, fraud screening, hosting and the legal side of taking payments for adult content, which many mainstream payment services restrict. That last part is why creators cannot simply sell the same content through an ordinary online shop.
It does not cover anything that brings fans in or sells to them. Promotion, pricing, and the direct messages where most revenue on large accounts is made are the creator's job, or the job of whoever the creator hires to do it.
For agencies that is where the real cost sits. On our chatter cost breakdown, a chat team covering an account every day costs more than the platform fee itself, which is why some agencies now run the inbox with an autonomous AI chatbot instead of hiring more chatters.
How much of a $50 tip does a creator keep on OnlyFans?
A $50 tip leaves the creator $40 and OnlyFans $10, because the platform's 20% applies to tips exactly as it does to subscriptions and pay-per-view sales. The tip then shows on the earnings page like any other sale.
Does OnlyFans charge extra for withdrawals or currency conversion?
OnlyFans charges no extra fee for a standard bank transfer, but an international wire costs about $30 per payout according to Desirely's and OnlyMonster's payout guides (checked 8 October 2026). On top of that, the creator's bank or payout service can charge its own fee or convert the dollar earnings, and none of this is part of the 20% OnlyFans takes. Check both before the first withdrawal.
Is the agency's cut taken before or after OnlyFans' 20%?
An agency is paid after OnlyFans takes its 20%, but whether its percentage is calculated on gross fan spending or on the creator's 80% depends on the contract. OnlyFans pays the account owner first. According to one agency's own guide (Aruna Talent), OnlyFans takes its 20% first and agencies then take a share of gross or net earnings, so the contract wording decides the creator's share (see the $10,000 example above). The same guide quotes 30-40% for full-service management.
Do creators pay tax on OnlyFans earnings?
Creators generally owe tax on OnlyFans earnings, because in many countries they count as self-employment income. The 20% OnlyFans keeps is not a tax payment, and the rules differ by country, so the OnlyFans taxes guide is the place to start and a local accountant has the final word.
Frequently Asked Questions
How much does OnlyFans take from creators?
OnlyFans takes 20% of every payment a fan makes and pays the creator the other 80%. On a $10 tip the creator gets $8 and OnlyFans keeps $2, and the same rate applies to subscriptions, pay-per-view content and custom requests.
Does OnlyFans always take 20%?
Yes. There is no published discount for large creators or agencies, and the company's accounts show revenue at 19.6-19.7% of fan spending in both 2023 and 2024, which is consistent with a flat fee.
Does OnlyFans take 20% of tips?
Yes. Tips carry the same 20% fee as subscriptions and pay-per-view sales, whether sent on a post, in a message or during a live stream, so a $10 tip pays the creator $8 and OnlyFans $2.
How much does OnlyFans take from $100?
OnlyFans takes $20 from $100 of fan spending, so the creator's earnings are $80, before any chargebacks, bank fees, currency conversion, agency split or tax. The 20% is the same on subscriptions, tips and pay-per-view sales.
Do agencies get a lower OnlyFans fee?
No. OnlyFans pays the account owner, and the fee is the same 20% whether one person or an agency runs the account. An agency's own percentage comes out of the creator's share.
Why can't I withdraw all my OnlyFans earnings?
Usually because part of the balance is still pending. New earnings wait out a holding period before they become available, and the minimum withdrawal has to be met. Chargebacks can also reduce the balance after a sale.
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