OnlyFans takes 20% of everything. Here is what that cut applies to, what it leaves you on real numbers, how long the money takes to arrive, and what an agency takes on top of it.
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OnlyFans takes a flat 20% of everything a creator earns, so the creator keeps 80%. The cut applies identically to subscriptions, tips, pay-per-view unlocks and live streams. There is no volume discount, no higher tier, and no promotional rate: a creator earning $200 a month and one earning $200,000 a month pay the same percentage.
You can verify the 20% against the company’s own accounts rather than taking anyone’s word for it. Fenix International, the OnlyFans parent, reported FY2024 gross merchandise value of $7.22 billion and $5.80 billion paid out to creators. That is 80.3% reaching creators, which is exactly what a flat 20% platform fee produces at scale.
Everything. This is worth stating plainly because creators often assume tips or customs are treated differently, and they are not.
The 20% is an all-in rate: payment processing is already absorbed, so there is no second fee that appears later. That makes it simpler than platforms such as Patreon, which quote a lower platform fee and then charge card processing separately on top.
OnlyFans takes 20% of tips, exactly the same as it takes from subscriptions and pay-per-view. A $10 tip pays the creator $8, a $50 tip pays $40 and a $200 tip pays $160. There is no tip exemption and no lower rate for tips sent during a live stream. Fans also face a cap on how much they can send: the minimum tip is $3, and a single tip is limited to $100 for fan accounts under four months old and $200 after that, so a large tip from a new fan arrives in pieces or not at all.
Because tips pay the same 80% as everything else, the only way to keep more of a tip is a platform with a lower rate or a direct arrangement with the fan outside any platform, which gives up chargeback protection. The comparison below shows how the same tip lands elsewhere.
| You earn | OnlyFans keeps 20% | You keep |
|---|---|---|
| $500 | $100 | $400 |
| $1,000 | $200 | $800 |
| $2,000 | $400 | $1,600 |
| $5,000 | $1,000 | $4,000 |
At $2,000 a month that fifth is $400 a month and $4,800 over a year, on identical work at identical prices. HerFans charges the same flat 20%, so the number to compare between platforms is not the headline rate but what gets added to it: a seller plan, a withdrawal charge, or a product where the rate quietly changes.
Earnings sit in a pending balance for roughly seven days on a rolling basis before they become withdrawable. Once you request a withdrawal, a US bank transfer typically lands in three to five business days. So the realistic gap between a fan paying and the money being in your account is around a week and a half, and longer over weekends and holidays.
The historic minimum withdrawal was $20, though OnlyFans has relaxed the threshold for many regions and supports automatic withdrawals. Payments appear from Fenix Internet LLC rather than from OnlyFans, which is what shows on your bank statement.
If you work with a management agency, its percentage is charged after OnlyFans has already taken its 20%, and agency rates commonly run 30% to 50%. On a $1,000 month with a 40% agency deal, OnlyFans takes $200, the agency takes 40% of the remaining $800, which is $320, and you are left with $480. That is a 52% total take rate, and it surprises creators who budgeted for 20%.
Agency percentages are negotiable and platform fees are not. If you are weighing an offer, read how OnlyFans agencies work and what they charge before signing anything, and compare the published rate for every platform in our creator payout percentage comparison.
A flat 20% and nothing else: no seller plan, no listing fee, no withdrawal charge and no processing line added at the end.
The fee is the same on subscriptions, tips, pay-per-view and paid messages. Everyone pays a flat 20%, with no product where the rate quietly changes.
Processing is included, so the percentage you read is the percentage that comes out. Nothing is added at withdrawal, and there is no monthly seller plan to cover before you break even.
Sign up in seconds with email, pick a creator name, and set up your profile. No upfront cost.
Upload photos and videos, set a monthly subscription price, and lock premium posts behind pay-per-view.
Fans subscribe, tip and unlock your content. You ask for a payout from your dashboard once your available balance reaches the published minimum. Each sale is pending for 30 days, the period in which refunds and most card disputes arrive, and 10% of it is held as a reserve until day 120. For a sale paid by card, the reserve is held longer, up to day 206, because our card processor keeps its own reserve on that payment for 26 weeks and it is released to you once it has been returned to us.
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