FantasyOnlyFans tax calculator: what to set aside from every payout, in eight countries and all fifty states
OnlyFans takes nothing off your payouts for tax, anywhere. Its terms leave the tax to you, and the first bill tends to arrive when the money is already spent. Enter what OnlyFans pays you a month and this gives the 2026 tax where you live, line by line, and the share of every payout to move aside the day it lands. Every rate is read from the tax authority of that country or, where a US state's own page was not reachable, from the Tax Foundation's table, on 25 September 2026; the sources are listed at the end.
Short answer
Move roughly a quarter to 40% of every payout aside the day it lands, depending on where you live. On $10,000 a month of OnlyFans payouts and no expenses, 2026 rates: 23.7% in Florida or Texas ($2,372 a month), 28.8% in California, 31.6% in New York City, 29.5% in England, 33.0% in Ontario, 27.9% in Australia, 36.5% in Ireland and 40.2% in Berlin including health insurance.
OnlyFans deducts no tax from payouts; its terms make the creator responsible for her own. The largest surprise for a first-year creator in the US is not income tax but the 15.3% self-employment tax, which is due on top of it on all of her profit once net self-employment earnings reach $400.
An agency commission is a business expense, so it lowers the tax as well as the payout. The calculator takes it into account.
Your year, from your monthly payout
Set aside from every payout
23.7%
An estimate for a single person with no other income, no children and a full year of residence, on 2026 rates. Profit is the payout minus expenses minus the agency commission, which is a business expense. Amounts outside the US are converted at the European Central Bank reference rate of 25 September 2026. Nothing you enter is stored or sent anywhere. This is not tax advice; use it to know the size of the number, then have it confirmed by an accountant where you live.
What to set aside at $5,000, $10,000 and $20,000 a month
Share of the monthly payout that goes to tax and compulsory contributions, 2026 rates, no expenses and no agency, single, with the monthly amount in dollars. Every figure comes from the calculator above, so the two cannot disagree.
| Where you live | $5,000 a month | $10,000 a month | $20,000 a month |
|---|---|---|---|
| United States, Florida or Texas | 20.1% ($1,003) | 23.7% ($2,372) | 26.4% ($5,273) |
| United States, California | 22.4% ($1,119) | 28.8% ($2,882) | 33.3% ($6,666) |
| United States, New York City | 27.0% ($1,348) | 31.6% ($3,157) | 34.9% ($6,988) |
| United Kingdom, England, Wales, Northern Ireland | 18.8% ($939) | 29.5% ($2,951) | 40.1% ($8,015) |
| United Kingdom, Scotland | 19.8% ($989) | 32.6% ($3,263) | 43.9% ($8,773) |
| Ireland | 22.0% ($1,101) | 36.5% ($3,645) | 45.8% ($9,169) |
| Canada, Ontario | 27.4% ($1,372) | 33.0% ($3,301) | 41.8% ($8,368) |
| Australia | 20.9% ($1,045) | 27.9% ($2,791) | 37.0% ($7,400) |
| Germany, Berlin, including health insurance | 36.5% ($1,826) | 40.2% ($4,021) | 42.5% ($8,491) |
| France, micro-entrepreneur | 32.5% ($1,625) | 39.0% ($3,905)* | 45.2% ($9,033)* |
| Poland, ryczalt 8.5%, full ZUS | 21.8% ($1,092) | 16.8% ($1,683) | 12.7% ($2,533) |
* Above 83,600 euros a year of revenue the French micro-entrepreneur regime no longer applies; shown for comparison only.
Two things stand out. The United States is cheapest at the low end and the gap closes as income rises, because self-employment tax stops at the Social Security wage base of $184,500 while the income tax brackets keep climbing. Poland runs the other way round: a flat 8.5% on revenue and fixed monthly contributions make the share fall as income grows, which is why the Polish row is the only one that gets cheaper to the right.
How each country is calculated, and the one thing to know there
United States
Federal income tax on the 2026 brackets and the $16,100 standard deduction from IRS Revenue Procedure 2025-32, self-employment tax of 15.3% on 92.35% of profit with the Social Security part capped at $184,500, the 0.9% additional Medicare tax above $200,000, and the 20% qualified business income deduction. State tax for all fifty states and Washington DC on each state's latest published schedule: 2026 where the state has published it, 2025 for California, Vermont and Idaho, which had not published 2026 figures on 25 September 2026. Five states cut their 2026 rates retroactively this year: Arkansas, Georgia, South Carolina, Utah and West Virginia, and Maine added a 2% surcharge above $1 million, so a table from early 2026 is already wrong for them. Ohio exempts the first $250,000 of business income altogether. The new deduction for tips does not help here: the final regulation excludes any amount received for pornographic activity. The full US picture, including the 1099 and quarterly payments, is on OnlyFans taxes for US creators.
United Kingdom
Income tax for 2026/27 on the £12,570 personal allowance, which shrinks by £1 for every £2 above £100,000 and is gone at £125,140, plus Class 4 National Insurance at 6% on profits between £12,570 and £50,270 and 2% above. Class 2 is no longer payable. Scotland has its own six bands, from 19% to 48%. Since April 2026, anyone with self-employment income above £50,000 has to keep digital records and send quarterly updates under Making Tax Digital, and since January 2024 platforms report what they paid you to HMRC.
Canada
Federal brackets from 14% and the provincial brackets for Ontario, British Columbia and Alberta, with the basic personal amounts as credits, Ontario's surtax, and the Canada Pension Plan for the self-employed: both halves, 11.9% up to $74,600 and a further 8% up to $85,000. Quebec has its own return and pension plan and is not modelled. The Ontario Health Premium is not included.
Australia
Resident rates for 2026-27, with the 15% bracket from $18,201 to $45,000, the low income tax offset, and the 2% Medicare levy. There is no separate social security contribution for the self-employed, and super for yourself is optional. GST registration starts at A$75,000 of turnover.
Ireland
Income tax at 20% up to €44,000 and 40% above, less the €2,000 personal credit and the €2,000 earned income credit, plus the Universal Social Charge up to 8%, with a further 3% on self-employment income above €100,000, and PRSI Class S, which rises from 4.2% to 4.35% on 1 October 2026; self-assessed 2026 income uses a blended 4.2375%.
Germany
Income tax on the 2026 formula of section 32a of the Income Tax Act, solidarity surcharge above its €20,350 threshold, and trade tax, because the finance authorities of Berlin and Baden-Württemberg class influencers as a trade in their guidance: 3.5% of profit above €24,500 times the town's rate, most of which is credited against income tax. Statutory health and care insurance is the largest line most creators do not see coming: at least €286.08 a month without children even on a small profit (€230.71 health plus €55.37 care), and about €1,261 a month at the ceiling. It is not a tax, but it is charged on the same profit, so it is included.
France
The micro-entrepreneur regime for non-commercial income: 25.6% social contributions on revenue in 2026, 0.2% for vocational training, and income tax either as a flat 2.2% of revenue (the versement libératoire, for households under the income limit) or on the scale after a 34% flat deduction. The regime ends above €83,600 of revenue; the figure of €77,700 that still circulates is out of date. The 2026 scale applies to 2025 income; the one for 2026 income will be set by the 2027 budget.
Poland
Three forms: ryczałt on revenue, the flat 19%, or the 12% and 32% scale with a 30,000 PLN tax-free amount, each with ZUS social contributions and a health contribution that depends on the form. Which ryczałt rate applies to subscription content, 8.5% or 15%, has not been fixed: a November 2025 interpretation, reported by txb.pl, confirmed the income qualifies for ryczałt without naming the rate. The VAT exemption limit rose to 240,000 PLN in 2026.
What the calculator leaves out
Other income, a spouse, children and their credits, retirement contributions, local taxes other than New York City, allowance phase-outs in some US states, and any years before or after 2026. VAT and sales tax are not included: OnlyFans' operator charges fans the VAT or sales tax where it applies, and what a creator's own supply to the platform means for VAT differs by country and is not settled everywhere. If any of that applies to you, the number here is where the conversation with an accountant starts, not where it ends.
What it does include that most estimates leave out is the agency. A commission on net is a business expense, so at 40% it lowers the tax as well as the payout; the commission itself, and how to read it in a contract, is on agency commission explained. FantasyRise charges 30% to 60% of net, invoiced after the payout reaches the creator's own bank.
Common questions
How much should I set aside for taxes on OnlyFans?
Roughly a quarter to 40% of every payout, depending on where you live, on 2026 rates. On $10,000 a month with no expenses that is 23.7% in Florida or Texas, 28.8% in California, 29.5% in England, 33.0% in Ontario, 27.9% in Australia and 36.5% in Ireland. Move it to a separate account the day each payout lands.
Does OnlyFans take out taxes?
No. OnlyFans pays out what you earned after its 20% and deducts no income tax or social contributions; its terms make the creator responsible for her own tax. In the US, payments above the federal reporting thresholds are reported to the IRS on a 1099, In the UK, OnlyFans' operator is required to report creator earnings to HMRC, and Ireland, Canada and Australia have their own platform reporting rules; whether OnlyFans' data reaches them directly or through exchange between tax authorities is set out on each country's page.
What is the self-employment tax on OnlyFans income?
In the US, 15.3% on 92.35% of your profit: 12.4% for Social Security up to $184,500 of earnings in 2026 and 2.9% for Medicare with no cap, plus 0.9% above $200,000. It is due on top of income tax once profit reaches $400, and half of it is deductible. On $10,000 a month it comes to about $16,955 a year.
Is an agency commission tax deductible?
Yes, a commission you pay an agency to run the account is a business expense and lowers taxable profit in every country on this page. Under the French micro regime and the Polish ryczałt no expenses are deductible, because tax is charged on revenue; there the commission lowers the payout but not the tax.
How much tax do OnlyFans creators pay in the UK?
On £90,550 a year, about $10,000 a month, income tax of £23,652 and Class 4 National Insurance of £3,068 in England, Wales or Northern Ireland, 29.5% of the payout. In Scotland the same profit costs 32.6%. Above £100,000 the personal allowance shrinks, which puts the marginal rate at 60% until £125,140.
Sources
General information on 2026 rates, not tax advice for your own situation; see our terms. Every rate is the tax authority's own, linked below with the date it was read. Where the authority has not settled a point, this page says so and shows both readings rather than choosing one.
Every rate was read on 25 September 2026 from the pages below. Exchange rates are the European Central Bank reference rates of the same day. Where a 2026 figure was not yet published, the calculator uses the latest one and says so above. If a figure is wrong, email contact@fantasyrise.com.
United States: Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA amendments); IR-2025-103, Oct. 9, 2025; Form 1040-ES (2026); Publication 15 (2026); IRS Q&A Additional Medicare Tax; IRS Qualified business income deduction; IRS Section 199A FAQs; Treas. Reg. 1.199A-5; IRS Understanding your Form 1099-K; IRS OBBBA deductions for working Americans; Treas. Reg. 1.224-1 (final, TD 10044); OnlyFans Terms of Service; Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (published 2026-02-17, rates as of Jan. 1, 2026); Tax Foundation, Arkansas Cuts Income Tax Rates (May 2026); ITEP State Tax Watch 2026.
United Kingdom: GOV.UK: Income Tax rates and Personal Allowances (current year 2026 to 2027); GOV.UK: Income Tax in Scotland, current rates (2026 to 2027); GOV.UK: Self-employed National Insurance rates (2026 to 2027); HMRC: Tax-free allowances on property and trading income (last updated 8 May 2019); GOV.UK: Self Assessment tax returns, deadlines; GOV.UK: Understand your Self Assessment tax bill, payments on account; HMRC: Find out if and when you need to use Making Tax Digital for Income Tax (last updated 26 March 2026); GOV.UK: Register for VAT, when to register; HMRC: VAT rules for supplies of digital services to consumers (last updated 28 March 2022); HM Treasury/HMRC: Extending online marketplace liability factsheet (fiscal events 2026); HMRC: Selling goods or services on a digital platform (last updated 22 September 2025); HMRC: Check if you need to register as a digital platform operator (last updated 21 July 2026); HMRC: Submit your digital platform report; HMRC: Collect and verify digital platform seller information.
Ireland: Revenue: Tax rates, bands and reliefs 2022 to 2026 (published 1 January 2026); Revenue: Standard rates and thresholds of USC 2026; Revenue: Calculating your USC (exemption limit 13,000 in 2026); Revenue: Other rates of USC (3% surcharge on non-PAYE income over 100,000); Department of Social Protection: PRSI Class S Rates (last updated 20 January 2026); Citizens Information (state body): Class S PRSI; Revenue: What is preliminary tax? (published 9 December 2025); Revenue: Pay and file system (published 12 March 2026); Revenue Tax and Duty Manual Part 04-01-22: Taxation of Income from Social Media and Promotional Activities (created July 2025); Revenue: What are the VAT thresholds? (published 6 May 2026); Revenue Tax and Duty Manual: The VAT treatment of Social Media Influencers (created July 2025); Revenue Tax and Duty Manual: Telecommunications, broadcasting and electronic (TBE) services; Revenue: DAC7/MRDP.
Canada: CRA: Tax rates and income brackets for 2026 (modified 2026-06-25); CRA: Indexation adjustment for personal income tax and benefit amounts 2026 (modified 2026-03-12); CRA: T4127 Payroll Deductions Formulas, 123rd edition, effective July 1, 2026; CRA: CPP contribution rates, maximums and exemptions (modified 2025-10-31); CRA: Second additional CPP (CPP2) contribution rates and maximums (modified 2025-10-31); CRA: Line 22200, deduction for CPP or QPP contributions on self-employment income; CRA: Paying your income tax by instalments (modified 2026-01-20); Canada.ca: 2026 tax deadlines for Canadian businesses and self-employed individuals (modified 2026-05-15); CRA GST/HST Memorandum 2-2: Small suppliers (modified 2026-06-03); CRA: Cross-border digital products or services, GST/HST for digital-economy businesses (modified 2025-10-16); CRA: Reporting Rules for Digital Platforms (modified 2025-08-01); CRA: Filing information returns, digital platforms (modified 2026-05-05); CRA: Who is affected, digital platform reporting; CRA tax tip: Using an app or website to earn income? (September 11, 2024).
Australia: ATO: Tax rates, Australian residents (2026-27 table; published 27 Aug 2026); ATO: What is the Medicare levy? (last updated 30 April 2026); ATO: Medicare levy reduction for low-income earners (2025-26 thresholds); ATO: Low income tax offset (last updated 8 June 2026); ATO: Super for sole traders and partnerships (last updated 26 April 2024); ATO: Starting PAYG instalments; ATO: Lodge your tax return online with myTax; ATO: Registering for GST; ATO: Exports and GST (example: payments from overseas social media platforms); ATO: What to include in your business's assessable income; ATO: What is the SERR?; ATO: Who needs to report under the SERR?.
Germany: § 32a EStG Einkommensteuertarif (Fassung ab VZ 2026); § 3 SolzG 1995 Bemessungsgrundlage, Freigrenze; § 4 SolzG 1995 Zuschlagsatz; § 6 SolzG 1995 Anwendung (Abs. 27: § 3 Abs. 3 neue Fassung ab VZ 2026); Deutsche Bischofskonferenz: Kirchensteuer (8 % BY/BW, 9 % uebrige Laender); Senatsverwaltung fuer Finanzen Berlin: FAQ Social-Media-Akteure (Influencer/in); Finanzministerium Baden-Wuerttemberg: Steuerguide fuer Influencer (PDF Stand 05.11.2025); § 11 GewStG Steuermesszahl und Freibetrag; § 16 GewStG Hebesatz (Abs. 4: 280 %, wenn die Gemeinde keinen hoeheren bestimmt); § 19 GewStG Vorauszahlungen; § 35 EStG Steuerermaessigung bei Einkuenften aus Gewerbebetrieb; § 4 Abs. 5b EStG Gewerbesteuer keine Betriebsausgabe; § 37 EStG Einkommensteuer-Vorauszahlung; Berlin.de FAQ Gewerbesteuer (Hebesatz 410 %); Landeshauptstadt Muenchen: Hebesaetze Gewerbesteuer (490 % seit 1997); § 19 UStG Kleinunternehmer (25.000 / 100.000 EUR); § 3 Abs. 11a UStG Leistungskommission bei Leistungen ueber Portale; § 3a UStG Ort der sonstigen Leistung; § 13b UStG Leistungsempfaenger als Steuerschuldner; § 18 UStG Voranmeldung; EuGH 28.02.2023, C-695/20 Fenix International (Volltext nicht abrufbar, Inhalt nur ueber Sekundaerquellen gelesen); KMLZ (Kanzlei, Sekundaerquelle): EuGH, keine Umsatzsteuer fuer Influencer auf OnlyFans; BMG: Beitraege zur Krankenversicherung, Stand 3. September 2026; BMG: Finanzierung der sozialen Pflegeversicherung; § 149 AO Abgabe der Steuererklaerungen.
France: Service-Public Entreprendre: Regime fiscal de la micro-entreprise (verifie le 13 mai 2026); Service-Public Entreprendre: Cotisations sociales d'un micro-entrepreneur (verifie le 1er janvier 2026); Service-Public Entreprendre: Contribution a la formation professionnelle (verifie le 1er janvier 2026); Service-Public Entreprendre: Franchise en base de TVA (verifie le 1er janvier 2026); Service-Public Entreprendre: Cotisation fonciere des entreprises (verifie le 2 avril 2026); Service-Public: Bareme de l'impot sur le revenu (revenus 2025, verifie le 15 avril 2026); BOFiP BOI-IR-LIQ-20-20-30-20260407: Decote; BOFiP ACTU-2026-00022: indexation 0,9 % du bareme revenus 2025 (LF 2026 n 2026-103); Service-Public Entreprendre: Micro-entrepreneur, quand declarer son chiffre d'affaires (verifie le 1er janvier 2026); economie.gouv.fr: Ai-je une activite d'influence commerciale ? (bloque par Cloudflare, contenu nur ueber Suchzusammenfassung gelesen); CJUE C-695/20 Fenix International (Volltext nicht abrufbar).
Poland: podatki.gov.pl: Stawki i limity PIT (aktualisiert 15.12.2025); biznes.gov.pl: Podatek liniowy; biznes.gov.pl: Jaki PIT dla firmy (aktualisiert 28.01.2026); ZUS: Nowe wysokosci skladek na ubezpieczenia spoleczne w 2026 r. (30.12.2025); biznes.gov.pl: Jakie skladki placi przedsiebiorca do ZUS (aktualisiert 11.02.2026); ZUS: Maly ZUS plus, nowe zasady od 2026 r. (22.12.2025); biznes.gov.pl: Maly ZUS Plus; ZUS: Podstawa wymiaru i kwota skladki zdrowotnej w 2026 r. (02.02.2026); biznes.gov.pl: Ile wynosi skladka zdrowotna (aktualisiert 28.01.2026); biznes.gov.pl: Dzialalnosc nierejestrowana (aktualisiert 05.05.2026); biznes.gov.pl: Kto musi placic VAT (aktualisiert 23.06.2026); biznes.gov.pl: Zeznanie PIT-36 / PIT-36L; Sekundaerquelle zu KIS 0115-KDST2-1.4011.463.2025.2.MR vom 18.11.2025 (Abo-Plattform, Ryczalt zulaessig, Satz offen); TSUE C-695/20 Fenix International (Volltext nicht abrufbar).