How much does OnlyFans take? Your net on $100
A flat 20%, so you keep $80 of every $100. Here is the net on $100, the fees behind the fee, and what actually lands in your bank.
Before your own bank's incoming-wire fee, if any.Source ledger
OnlyFans takes a flat 20% of everything you earn. Subscriptions, pay-per-view, tips, live streams: the same cut on all of it. You keep 80%. On $100, that is $80 in your available balance.
There is no second fee hiding under the first one. The 20% is all-inclusive, so OnlyFans does not skim a separate payment-processing charge off a standard bank transfer. The only cost it does not control is your own bank's incoming-wire fee, which matters mostly on international transfers.
How much does OnlyFans take from creators?
OnlyFans takes 20% of everything a creator earns, flat, across every revenue type. Their terms describe it as OnlyFans retaining 20% of fan payments while the other 80% becomes your available balance. There is no separate tier for big earners and no surcharge for small ones. The same one-fifth applies whether you make $50 a month or $50,000.
| What you earn on | Split | OnlyFans takes | You keep |
|---|---|---|---|
| Subscriptions | −20% | 80% | |
| Pay-per-view (PPV) | −20% | 80% | |
| Tips | −20% | 80% | |
| Live streams | −20% | 80% |
The flat rate is the point. Some platforms charge one number on subscriptions and a different one on stores or tips, so your effective cut swings with your sales mix. OnlyFans keeps it to one line, which makes planning easy: whatever the fan pays, four-fifths is yours.
What you actually keep: net on $100
On OnlyFans you keep $80 of every $100 a fan spends. The platform's 20% comes out first, nothing else is deducted on OnlyFans's side, and the remaining $80 lands in your available balance. The only variable left is your bank, which may charge a fee to receive the transfer. Here is the arithmetic rather than an assertion.
The arithmetic
Run your own number
What does a month at $1,000 leave you?
Illustrative. Excludes your bank's incoming-wire fee and tax.
So $80 of every $100 reaches your balance. The number people forget is the one after that: getting the $80 out of the balance and into your bank can cost you on the bank's side, never OnlyFans's.
Are there extra fees on top of the 20%?
No fee that OnlyFans adds. The 20% already covers card processing on the fan's payment, so you are not double-charged the way you can be on payout platforms that stack a processing cut on top of their commission. One number, taken once.
The costs that are real sit outside OnlyFans, and they would follow the money onto any platform.
When do you get paid, and what is the minimum?
You can withdraw once your balance hits $20, but new earnings sit on a 7-day hold first, and the transfer itself takes 3–5 business days at home or 5–7 across a border. In practice, money you earn today is spendable a little over a week later.
Earned today, spendable in about ten days.
| Rule | Number | What it means for you |
|---|---|---|
| Minimum withdrawal | $20 | You need a $20 balance to cash out. It varies by payout method, so check your Statements page. |
| New-earnings hold | 7 days | New earnings are held for a minimum of 7 days before they are withdrawable. |
| Bank transfer time | 3–5 days | Domestic transfers (US, UK, EU) land in 3 to 5 business days. International wires take 5 to 7. |
The two things that vary are your bank's fee and the transfer window.
Cost to receive, USD
Transfer time, business days
Money and days are on separate axes: the two scales are not comparable.
At a $20 floor, one modest tip usually clears the minimum, so the hold and the transfer window matter more to your cash flow than the floor does. If payout timing is the part that worries you, here is how the 7-day hold and transfer windows actually play out.
Is 20% a lot?
It depends what you compare it to, and that is the honest answer rather than a dodge. Against a bare payment processor, 20% looks steep: a card processor on its own might take only a few percent. But a processor only moves the money. The 20% is not a fee on top of OnlyFans's services, it is the price of all of them bundled.
Against other creator platforms, whether 20% is high or low depends entirely on which platform you hold it against, and on the fees hiding behind their headline rate. We are not going to rank it from memory. We are sourcing that comparison one fee schedule at a time, and when it is ready you will find OnlyFans next to Fansly on fees and every major platform's cut in one table.
The short version
Frequently asked
Does OnlyFans take 20% of tips too?
Yes. The 20% is flat across subscriptions, pay-per-view, tips, and live streams. No revenue type is exempt.
Does OnlyFans charge a payout or processing fee?
No. OnlyFans does not charge a fee for a standard bank transfer, and the 20% already covers card processing. Your own bank may charge an incoming-wire fee, typically $10–25 on international transfers.
How much do you keep on OnlyFans?
80% of everything a fan pays. On $100 you keep $80, before any wire fee your bank adds when it receives the payout.
What is the minimum payout on OnlyFans?
$20 is the standard minimum withdrawal, though it can vary by payout method, so confirm the exact figure on your Statements page.
How we checked this
OnlyFans states its 20% cut in its Terms of Service and publishes its payout rules in its Help Center. Because the platform blocks automated access to those pages, we confirmed every figure here against independent 2026 payout data. Checked 2026-07-24.
See the full source ledger.