UK OnlyFans tax calculator.

The calculator above doesn't include allowable business expenses, which lower your taxable profit. As an OnlyFans creator running a Ltd, you can usually claim:

• Equipment and tech: cameras, lighting, ring lights, tripods, phones, laptops, editing software
• Content costs: outfits, lingerie, props, sets, makeup, hair, nails, tanning (only when they're used just for content, so check anything with personal use with your accountant)
• Internet and phone: a portion of your monthly bills used for work
• Home office: if you shoot at home, the company can cover a share of household costs such as rent and utilities, and your accountant can tell you the right way to set that up
• Platform fees: the 20% OnlyFans takes counts as a business cost, along with any other platform or payment processing fees (the calculator already starts from earnings after platform fees, so don't count them twice)
• Subscriptions: editing apps, scheduling tools, cloud storage, music licensing
• Professional services: accountant fees, agency management fees, legal costs
• Marketing: paid ads, social media tools, promotional costs
• Travel: transport to shoots, hotel stays for content trips

Allowable expenses cut the profit your company pays corporation tax on, so if you have them, your real bill should come in below the figures above.

• Income splitting: if a partner or family member helps with your page (editing, admin, moderation), you may be able to pay them a fair salary for that work or give them shares. If their tax bands are lower than yours, that can cut the tax you pay between you, but the rules are strict, so get advice first
• Pension contributions: your company can pay straight into your pension. It's usually an allowable business expense, and within your annual allowance you don't pay income tax or NI on it
• Retained profits: OnlyFans income goes up and down from month to month. Leaving money in the company gives you some say over which tax year you take it in, which can lower your personal tax bill
• Professional credibility: a registered company can make it easier to open a business bank account and keep your personal and business money apart
• Limited liability: your personal assets are legally separate from the company, which matters as your earnings grow

At lower earnings, the running costs of a limited company (accountant fees, filing, bookkeeping) can cancel out the tax you save. A common rule of thumb puts the point where it starts to pay at around £30,000 to £40,000 of profit a year, but ask an accountant to run your own numbers.

We're not financial advisers. Before you form a Ltd, speak to a qualified accountant, ideally one who already works with creators.