OnlyFans tax calculator
Estimate the US federal self-employment tax and income tax on your OnlyFans payouts for 2026, how much of each payout to set aside, and what to pay each quarter.
Your numbers
Estimate only, not tax advice. Uses 2026 US federal self-employment tax rules and the income tax rate you enter; ignores credits, the QBI deduction, other income, and state self-employment rules. Check with a tax professional.
How the calculator works
US creators on OnlyFans are self-employed, so tax is owed on profit: payouts minus business expenses. Two taxes apply. The IRS self-employment tax is 15.3% on 92.35% of net profit (12.4% Social Security, capped at $184,500 of earnings in 2026, plus 2.9% Medicare), with an extra 0.9% Medicare above $200,000 for single filers or $250,000 for joint filers. Income tax then applies to profit after deducting half of the self-employment tax.
- Net profit = payouts − business expenses.
- Self-employment tax = profit × 92.35% × 15.3% (Social Security part capped at $184,500), zero if profit is under $400.
- Income tax = (profit − half of self-employment tax) × your income tax rate.
- Quarterly payment = total tax ÷ 4.
Start with your gross numbers in the OnlyFans earnings calculator. If you're running the business seriously, our guide on whether you need an LLC covers structure, and on your own site the 20% platform fee that comes before any of this tax disappears.
Frequently asked questions
Do I have to pay taxes on OnlyFans income?
Yes. In the US, OnlyFans creators are self-employed, so payouts are business income whether or not you receive a tax form. You owe income tax on your profit and, once net self-employment earnings reach $400 in a year, self-employment tax as well.
How much should I set aside for taxes from OnlyFans?
It depends on your profit, expenses, and income tax bracket. Self-employment tax alone is 15.3% on 92.35% of your net earnings, about 14.1% of profit, before any federal or state income tax. Enter your numbers above to see a set-aside percentage for your situation.
What is self-employment tax for OnlyFans creators?
Self-employment tax is the Social Security and Medicare tax that employers and employees normally split. Creators pay both halves: 12.4% for Social Security on earnings up to $184,500 in 2026 and 2.9% for Medicare on all earnings, applied to 92.35% of net profit. You can deduct half of it when working out income tax.
When are quarterly estimated taxes due?
The IRS generally expects estimated tax payments on April 15, June 15, and September 15, and January 15 of the following year, moved to the next business day when a date falls on a weekend or holiday. Paying quarterly helps you avoid underpayment penalties.
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