Tax Calculator.

The calculator above does not account for allowable business expenses, which reduce your taxable profit further. As an OnlyFans creator running a Ltd, you can typically claim:

• Equipment and tech – cameras, lighting, ring lights, tripods, phones, laptops, editing software
• Content costs – outfits, lingerie, props, sets, makeup, hair, nails, tanning (when used for content)
• Internet and phone – a portion of your monthly bills used for work
• Home office – a percentage of rent, utilities, and council tax if you shoot at home
• Platform fees – the 20% OnlyFans takes is a business expense, along with any other platform or payment processing fees
• 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

Every pound you claim as an expense is a pound you do not pay corporation tax on. For many creators, this adds thousands in additional savings on top of the figures above.

• Income splitting – if you have a partner or family member who helps with your page (editing, admin, moderation), you can pay them a salary or issue them shares, spreading income across lower tax bands
• Pension contributions – your company can pay directly into a pension, which counts as a business expense. No income tax, no NI, no corporation tax on those funds
• Retained profits – OnlyFans income can fluctuate month to month. Keeping money in the company and drawing it in quieter months means you control when (and how much) tax you pay
• Professional credibility – a registered company can make it easier to open business bank accounts, negotiate brand deals, and separate your personal and business finances
• Limited liability – your personal assets are legally separate from the company, which matters as your earnings grow

At lower earnings, the admin costs of running a limited company (accountant fees, filing, bookkeeping) can outweigh the tax savings. Most accountants suggest it starts making sense around £30,000 to £40,000 in annual profit. Above that, the savings grow quickly.

We help our creators navigate this. We are not financial advisors, but we can point you toward a qualified accountant who understands the creator economy and guide you through the process of forming a Ltd when the time is right.