FanOptikWhat do you actually keep?
Gross to take-home in four honest steps: the platform fee, the agency cut, your own costs, and what lands with you. Including the contract detail most calculators skip: whether the cut is taken on gross or on net.
Free. No signup, no email gate. The formulas are printed on this page.
How the math works
Platform fee
OnlyFans keeps 20% of gross. What reaches your balance is 80% of what fans paid. This is fixed and universal.
The agency cut
The percentage from your contract, applied to either net after the platform fee or to gross. Which one is a contract term, and the difference is real money.
Your costs
Whatever you personally pay each month: content, equipment, software, promo. Money that leaves regardless of earnings.
Take-home
Net after platform, minus the agency cut, minus your costs. Before taxes, which depend on where you live and how you file.
What this calculator cannot tell you
This is arithmetic, not advice. It does not include taxes, and it cannot tell you whether a given agency percentage is worth it. That depends entirely on what the agency actually does for the money, which is a records question, not a percentage question.
The numbers in your split should be checkable. If your agency reports your earnings to you, you should be able to reconcile what they report against your own Statements page. If you cannot, the percentage is not the problem.
Your numbers should survive checking.
FanOptik gives creators their own transparent view: earnings reconciled against the Statements page, not estimated from a feed.
Analytics, accountability and payroll for OnlyFans agencies and independent creators. Numbers you can defend.
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