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OnlyFans has become one of the most powerful platforms in the creator economy, giving individuals a direct way to monetize content without relying on volatile algorithms or brand deals. But while creators often focus on subscriber counts and gross revenue, real success depends on understanding one critical factor: how much money you actually keep.
The OnlyFans commission is simple on the surface—but its real impact on pricing, strategy, and long-term profitability is often misunderstood. This guide breaks it all down clearly, so you can stop guessing and start planning like a business.
OnlyFans operates on a creator-first revenue model. You set your prices, own your audience, and decide how to monetize—subscriptions, pay-per-view (PPV), tips, and private messages. In exchange, OnlyFans provides:
Instead of charging monthly software fees, OnlyFans takes a percentage of earnings, aligning its success with creator revenue.
OnlyFans uses a fixed 80/20 split:
This rate is universal. It does not change based on:
Whether you earn $50 or $50,000, the split remains the same.
That 20% pays for:
In short, it’s the cost of running your OnlyFans business without handling payments or tech yourself.
Gross earnings are what fans pay before deductions.
Example:
Gross total: $1,700
OnlyFans takes 20%:
This $1,360 is what lands in your OnlyFans wallet before taxes or external banking fees.
Many creators price content emotionally (“$10 feels fair”) instead of financially. Professional creators work backwards from net income goals, ensuring every price still makes sense after commission.
OnlyFans’ 20% is the main deduction—but not the only one affecting your real take-home pay.
Depending on your country and payout method, your bank or payment processor may charge:
These aren’t charged by OnlyFans but still reduce final income.
Creators outside the U.S. may lose a small percentage when converting USD to local currency. Over time, this adds up—especially for high earners.
If a fan disputes a charge:
While uncommon, chargebacks are part of online business risk and should be factored in mentally.
The key thing to understand: the commission applies everywhere, equally.
$10 subscription → you receive $8
$50 PPV video → you receive $40
$25 tip → you receive $20
Same 80/20 split applies.
There are no “hidden categories” with better or worse rates.
Gross: $3,000 Net: $2,400
Predictable, stable income tied to retention.
Gross: ~$2,899 Net: ~$2,319
Fewer subscribers, higher engagement, more flexibility.
Both strategies work—the difference is intentional pricing and audience quality.
If you want to net $40, you must charge $50.
Simple rule:
Net goal ÷ 0.80 = minimum price
Creators who ignore this often undercharge and burn out.
High-intent users convert better, tip more, and buy PPV faster.
This is why creators increasingly rely on search-based discovery platforms like OnlyFinds, where users are actively looking for specific creators or niches—not just scrolling.
Better traffic = higher net income without raising prices.
Top creators rarely rely on one revenue stream. Instead:
This spreads income and protects against churn.
OnlyFans’ commission isn’t a penalty—it’s the operating cost of:
Creators who win long-term stop obsessing over the 20% and instead focus on:
OnlyFans takes exactly 20% of creator earnings—no more, no less. But what separates struggling creators from profitable ones isn’t the commission itself—it’s how well they plan around it.
When you:
…the 20% becomes irrelevant compared to the upside.
If you treat your OnlyFans like a business, understand the math, and optimize for quality over volume, the platform remains one of the most creator-friendly monetization tools available today.