How Much Does OnlyFans Take? Fees and Payouts Explained
OnlyFans takes 20% of what fans pay a creator, whether it is a subscription, a tip or a pay-per-view message, and the creator keeps 80%. 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%.
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than 80% for other reasons: chargebacks come back out of earnings, money waits in a pending balance before it can be withdrawn, and many accounts pay an agency or a chat team out of their 80%.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 the 20% applies to
The same 20% comes off every way a fan can pay a creator. Nothing a fan buys is fee-free, and nothing carries a higher fee.
- Subscriptions, including renewals and discounted bundles.
- Tips on posts, in messages and during live streams.
- Pay-per-view messages and posts, the locked 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
| 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.
- Step 1Pending
New earnings wait in a pending balance for a holding period, which gives payment problems time to surface.
- Step 2Available
Once cleared, earnings move to the available balance.
- Step 3Withdrawal
Withdraw manually once the balance passes the minimum, or set an automatic withdrawal schedule.
- Step 4Payout
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
Three things usually explain the gap. Earnings still in the pending window are counted on the earnings page but cannot be withdrawn yet. Chargebacks reverse money after the sale. And the receiving bank or payout service can charge its own fees or convert currency, since earnings are held in US dollars.
None of these is an extra OnlyFans fee on top of the 20%, but together they are why a creator's bank statement rarely matches the headline 80%.
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.
Frequently Asked Questions
How much does OnlyFans take from creators?
20% of every payment. On a $10 tip the creator gets $8 and OnlyFans keeps $2. 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.
How much does OnlyFans take from $100?
$20. The creator's earnings are $80, before any chargebacks, bank fees, agency split or tax.
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.