FantasyHow to check whether your agency is paying you correctly
Three numbers reconcile a month. If they do not, the gap has a name, and this page tells you which one it is and what to send.
Short answer
You need three numbers for one month: your gross on the platform, taken from the platform's own earnings statement rather than from anything the agency sent you; the platform's cut, which on OnlyFans is 20%; and what actually landed in your bank. Everything else is arithmetic, and the calculator below does it.
The single question that decides whether you can do this at all: does the money reach you directly from the platform, or does it pass through the agency first? If it comes to you directly and you pay the agency afterward, there is nothing to reconcile, because you saw the gross with your own eyes. If it passes through them, then the agency's statement is the only account you have of what came in, and checking it against the platform is the whole job.
Most gaps are not theft. In order of how often we see them: the commission basis quietly moved from net to gross, a deduction appeared that was never in the agreement, or a payment landed on the other side of a month boundary. All three look identical from your bank account and all three have completely different answers.
Get the three numbers
- Your platform gross. In your own OnlyFans account, under earnings or statements, for one complete calendar month. This is the number before the platform takes anything. Take it from the platform, never from the agency's report, because the agency's report is the thing you are testing.
- The platform's cut. OnlyFans keeps 20%. It is already deducted before anything reaches anyone, which is exactly why the gross-or-net question matters so much.
- What reached your bank. Your bank statement for the same period, not what an invoice says you were owed.
If you cannot get the first number because the agency holds the login, that is itself the finding. An arrangement where you cannot see your own gross is not an accounting problem, it is a control problem, and it is the subject of a separate page.
From the platform's own earnings statement, before its 20% cut.
20% on OnlyFans. Change it if you are on a platform with a different cut.
The figure in your signed agreement, as a percentage.
What the agreement says the percentage is taken from. If it does not say, that is the first thing to get in writing.
Only things your agreement actually allows: ad spend you approved, an agreed content budget. Leave at 0 if there are none.
From your bank statement, for the same month.
The gap
$0
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The number to quote back to them
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Nothing you type here is sent anywhere. The arithmetic runs in your browser and the page does not store it.
The effective rate is the number worth carrying into a conversation. "I am short $840" invites an argument about a spreadsheet. "I agreed 40% and I am being charged 50.5% of net, here is the month" is a specific claim with a specific answer, and it either has one or it does not.
The four places the money actually goes
1. The basis moved
By far the most common, and usually not deliberate. You agreed a percentage, nobody wrote down what it was a percentage of, and the agency has been calculating on gross while you have been assuming net. At 40% on $10,000 gross that is $800 a month, $9,600 a year, from a single unwritten word.
40% on $10,000 gross, both ways
| Platform gross | $10,000 |
| Platform fee, 20% | −$2,000 |
| Net after the platform | $8,000 |
| 40% of net | −$3,200 |
| You keep | $4,800 |
| 40% of gross | −$4,000 |
| You keep | $4,000 |
Same agreement, same month, $800 apart. Neither party has to be dishonest for this to happen, and it is why the basis belongs in writing before the first payout rather than after the fourth.
2. Deductions that were never agreed
Advertising spend, a content budget, "processing", chargebacks passed on to you, a share of a tool subscription. Some of these are legitimate when the agreement provides for them and you approved the spend. None of them are legitimate as a line item that appears for the first time on a statement. The test is simple: point at the clause. If nobody can, it is not an agreed deduction, whatever it is called.
3. The month boundary
Platforms pay on their own schedule and money earned in the last days of a month often lands in the next one. A month that looks $600 short followed by a month that looks $600 long is not theft, it is a timing difference, and it is the single most common false alarm. Always reconcile two or three consecutive months rather than one. A real gap persists. A timing difference cancels out.
4. Commission that kept running after you left
A post-termination clause charging commission on earnings for months after the relationship ends. This is written down, in the contract, and it is legal when it is disclosed. It is also the clause that surprises more creators than any other, and it is the one to look for before you sign rather than after you leave. The switching guide works through what a tail clause does to take-home pay.
What is not theft
We would rather this page did not get used to accuse honest people, so here is the other half of it.
- Chargebacks and refunds are real money that genuinely left. A subscriber disputes a charge, the platform reverses it, and the earnings that were on your statement stop existing. An agency showing you less than the platform showed last week may simply be showing you the corrected figure.
- The platform's 20% is not the agency's doing. It comes off before anyone touches anything. An agency that quotes on net is not hiding it, it is describing the money that actually exists.
- Fees you approved are fees you approved. If you signed off on $500 of advertising in a message in March, it appearing on March's statement is the system working.
- A single short month proves nothing. See the month boundary above. Three months of the same gap is a finding. One month is a question.
The reason to be careful here is not politeness. An accusation you cannot support is the fastest way to lose a working relationship that was fine, and to make a genuine problem harder to raise later.
What to send
If the numbers do not reconcile across two or three months, ask before you conclude. This request is deliberately neutral: it asks for a reconciliation rather than making an allegation, and it is far harder to deflect than "I think something is wrong".
Request for a reconciliation, copy and fill in
Subject: Statement reconciliation, [month] to [month] Hi [name], I am going through my numbers for [month] to [month] and I would like to line them up with yours. Could you send me the following for each of those months: 1. The gross earnings figure you used, and whether commission was calculated on that figure or on the amount after the platform's fee. 2. The commission amount charged, and the percentage applied. 3. Every deduction other than commission, itemized, with the clause in our agreement that each one falls under. 4. The date and amount of each payment made to me. 5. Any chargebacks or refunds reflected in the period, with the month they were originally earned in. I am not raising a complaint, I would just like our two sets of figures to agree. If they do, this takes five minutes and I will stop asking. Thanks, [your name]
Send it by email rather than in a chat app, so the reply exists in a form you can keep. If the answer is a screenshot of a dashboard rather than the five items, ask again for the five items.
A straightforward agency answers this in a day and is mildly relieved you asked. An agency that treats the request itself as an accusation has told you something, and an agency that cannot produce item 3 has told you more.
If it still does not reconcile
- Put the specific number in writing. One month, the four figures, the effective rate, and the clause you believe applies. Specific claims get specific answers.
- Ask for a correction with a date. Not an explanation, a correction and a date it will be paid.
- Change the payment route. If money is passing through the agency, ask for payouts to go directly to your own bank from here on. Whether that request is granted tells you most of what you need to know, and it makes every future month self-verifying.
- Read your notice clause. Not to leave immediately, but so you know what leaving would cost before you decide. The notice letter is here when you need it.
- Keep the statements. Platform statements, bank statements, and every message about money, exported rather than left in an app you may lose access to.
How to make this unnecessary
Every problem on this page comes from one structural choice: whether your money passes through someone else's account on the way to yours. When it does not, there is no statement to trust, because you are the one receiving the gross.
Ours works that way, and we would say the same to a creator who never speaks to us: ask any agency to have platform payouts go directly to your own bank, and to invoice you for commission afterward. It is a normal arrangement, it costs the agency nothing but convenience, and the answer you get is one of the most informative things you will hear on a first call. Our own answers to that question and five others are on how we work, and the full set of checks is on the verification page.
Common questions
How do I know if my OnlyFans agency is stealing from me?
Compare three numbers for the same month: your gross from the platform's own statement, the platform's 20% cut, and what reached your bank. Work out what the agreed commission should have left you, and compare. Do it for three consecutive months rather than one, because a single short month is usually a payout timing difference rather than a shortfall. If a real gap persists, express it as an effective percentage rather than a dollar amount and ask for a reconciliation in writing.
Should my agency receive my OnlyFans payouts?
There is no operational reason it needs to. Platforms pay creators directly, and an agency can invoice for its commission afterward. When payouts route through the agency, the agency's statement becomes the only record you have of what came in, which is a great deal of trust to hand over for no benefit to you. It is a fair question to ask on a first call, and the answer is informative either way.
Is it normal for an agency to deduct advertising costs from my earnings?
It is normal if your agreement provides for it and you approved the spend. It is not normal as a line item that appears on a statement without a clause behind it. The test is whether someone can point at the paragraph. Ask for deductions itemized with the clause each one falls under, and treat an inability to produce that as the answer.
My payout was lower than last month. Is something wrong?
Probably not, on its own. Earnings vary, chargebacks reverse money that was already counted, and platform payment timing moves income across month boundaries. Reconcile three months before concluding anything. A timing difference cancels out across consecutive months; a genuine gap does not.
What does the platform actually take?
OnlyFans keeps 20% of gross, deducted before any money reaches the creator or anyone acting for her. That is why the question of whether agency commission is charged on gross or on net changes the arithmetic so much: on $10,000 of gross at a 40% rate, the two readings are $800 a month apart.
Can I ask for past months to be recalculated?
You can ask, and a straightforward agency will do it. What you can enforce depends on your agreement and on the amounts involved, and that is a question for a lawyer reading your specific contract rather than for a page like this one. What is always worth doing regardless is fixing the arrangement going forward, because that costs nothing and stops the problem repeating.
Sources and corrections
The 20% platform fee is OnlyFans' published rate. The patterns described here come from management agreements creators have brought to us and from our own operations, not from a survey, and they are presented as the things worth checking rather than as measured frequencies. Nothing here is an allegation about any named agency.
One thing this page deliberately leaves out is tax. Both the platform fee and any agency commission are deductible business expenses, which changes what a given commission actually costs you. That arithmetic is on the tax page.
This page is arithmetic and process, not legal or accounting advice. Where real money is in dispute, a lawyer or an accountant reading your specific agreement and statements is worth more than anything published here.
If something on this page is wrong, email contact@fantasyrise.com. Corrections that change the substance are noted here with a date.