Where a month of it goes
- Gross revenue£2,000.00
- OnlyFans cut-£400.00
- Your expenses-£150.00
- Estimated tax-£362.50
- What actually reaches you£1,087.50
You keep about 54% of what your fans actually pay. Your gross income looks lovely. Unfortunately, the platform and HMRC have also noticed it.
Platform rates last checked: 27 August 2026. These are platform commissions only. Card and payout processing fees are charged separately by the payment provider and vary by country and currency. We are not affiliated with any platform listed.
The gap between what you earn and what you keep
Ask most creators what share of their money they keep and they will say eighty percent, because the platform takes twenty. It is a reasonable guess and it is usually wrong by a wide margin, because the platform cut is the first of three deductions rather than the only one.
The order matters. The platform takes its share of the gross, before anything else happens. Your expenses come out of what is left. Tax comes out of the profit after that. Each one is a percentage of a smaller number than the last, which is why the total is not simply the percentages added together, and why the final figure tends to land lower than people expect.
Why this is worth doing before you set a target
A creator who wants to take home 3,000 pounds a month and works backwards from a twenty percent platform cut will aim at 3,750 of gross revenue. Depending on their expenses and tax position, the real figure is often closer to 5,000. Aiming at the wrong number for a year is an expensive way to find that out.
It is also the honest way to compare creating with a salary. Take-home against take-home, a creator business needs to gross considerably more than a job pays to leave you in the same place, because a salary arrives with its tax already gone and no business costs attached.
What we have left out, and why
Payment processing fees. Cards, currency conversion and payout methods all carry charges, they vary by country and provider, and they change. Putting a single number on them would make every figure on this page quietly wrong in a way you would have no way of checking. We would rather show you the platform commission, which is published, and tell you the processing fees exist separately.
The tax figure here is a percentage you choose. For a proper number that accounts for your personal allowance, a day job and Scottish rates, use the UK creator tax calculator and bring the answer back here.
Then protect what is left
Worth remembering that every figure on this page assumes people are paying for your content rather than finding it free somewhere else. A subscriber who can find your last three months of posts on a leak site is a subscriber with a reason to cancel, and churn shows up in this calculation as surely as fees do.
Questions people ask
Why is my take-home so much lower than I expected?
Because three things come off, not one. Most creators think about the platform cut and stop there. The platform takes its share of the gross, then your expenses come out of what is left, then tax comes out of the profit. Twenty percent commission does not mean you keep eighty percent.
Are payment processing fees included?
No. These are platform commissions only. Card and payout fees are charged separately by the payment provider and vary by country, currency and method, so putting a single number on them would make every figure here slightly wrong in a way you could not check.
How accurate is the tax figure?
It is a rough estimate you supply or take from our tax calculator. For a proper figure, use the UK creator tax calculator, which handles your personal allowance, your day job and Scottish rates.
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