The numbers of the trade, with a tool for each one

The trade rests on eight calculations. None of them needs more than a multiplication and a subtraction, but each has a trap: a figure you think you know that is in fact an assumption. This lesson writes each formula out in full, gives an example, separates what is published from what is assumed, and points to the site’s tool that redoes the calculation with your figures. The tools are gathered on the Tools page.

Splitting a payment

A fan pays a gross amount. The platform takes its commission, the agency takes its share of the net, the creator keeps the rest, and the cost of the conversation is charged against the agency’s share.

Platform net = gross × (1 − platform commission). Agency’s share = net × agency rate. Creator’s share = net − agency’s share. Agency’s remainder = agency’s share − cost of conversation.

Example: 1,000 dollars gross, 20% commission published by OnlyFans, agency share of 30% of the net as an assumption, cost of conversation of 10% of the net. Net 800, agency 240, creator 560, conversation 80, agency’s remainder 160.

The trap is the basis of the agency’s share: 30% of the gross would be 300 dollars, not 240. The contract must name it, and that is the subject of the previous lesson. Tool: revenue split.

The average price of a paid media

You are aiming for a monthly revenue per creator. You have active fans, you send them paid media, a share is unlocked.

Expected unlocks = active fans × sends per fan per month × unlock rate. Average price needed = target ÷ expected unlocks. The other way round, expected revenue = unlocks × average price.

Example: 5,000 dollar target, 400 fans, 4 sends per fan, 43% rate. Unlocks 688, price needed 7.27 dollars. At 25 dollars, the expected revenue would be 17,200 dollars.

The trap is the unlock rate, which is measured and not assumed. The 43% in the example is the ratio OnlyChat publishes on its “about” page, with its definition: of every hundred paid media sent by the AI, 43 are unlocked, a cumulative statistic since launch. It is an indicator published by a tool, not a market norm. Tool: PPV price.

Chatter or AI

An inbox kept open around the clock needs 3 shifts of 8 hours per day, 7 days a week, as module 5 calculated.

Hours per month = shifts per day × 8 × 365 ÷ 12, about 730 hours for 3 shifts. Human cost = hours × hourly rate × (1 + supervision) + sales × chatter commission. AI cost = subscription + sales × AI commission. Break-even point = (fixed human cost − subscription) ÷ (AI commission − chatter commission).

Example: 10,000 dollars in sales, 3 dollars per hour and 5% commission, within the ranges of the public job listings cited in module 5, supervision of 10% as an assumption. Salaries 2,190, supervision 219, commission 500, total human cost 2,909 dollars. On the AI side, OnlyChat publishes 20 dollars per creator per month plus 10% on OnlyFans, checked on September 15, 2026: 1,020 dollars. The two costs cross at 47,780 dollars in monthly sales; below that, the AI costs less.

The trap is comparing costs and believing you are comparing results. This calculation says nothing about night coverage, languages or quality. Tool: chatter or AI.

The net after commission

What the creator receives goes through three successive deductions.

Net after platform = gross × (1 − platform commission). Net after agency = net after platform × (1 − agency’s share). Net after fees = net after agency × (1 − payment fees).

Example: 1,000 dollars, 20% platform, 30% agency, 2% payment fees as an assumption. 800, then 560, then 548.80 dollars. The creator keeps 54.9% of the gross, and that proportion does not change with the amount.

The trap is the payment fee, which depends on the bank, the country and the currency: only your own invoice gives it. Tool: net after commission, with a table from 500 to 10,000 dollars.

The break-even point

An operation has fixed costs, paid even without a sale, and variable costs that leave on every dollar sold.

Margin per dollar sold = (1 − platform commission) × (1 − creator’s share − cost of conversation). Break-even point = fixed costs ÷ margin per dollar sold. Break-even per creator = break-even ÷ number of creators.

Example: 300 dollars of fixed costs as an assumption, 20% platform, 70% for the creator, 10% conversation. Margin 0.80 × 0.20 = 16%. Break-even 1,875 dollars in sales per month, that is 625 dollars per creator for three creators.

The trap is the margin, which is small: on a dollar sold, sixteen cents are left in this example. A creator below her break-even is carried by the others. Tool: break-even.

The value of a fan

A fan is worth what they spend during the time they stay active.

Fan value = average order × purchases per month × lifetime in months. Net value = value × (1 − platform commission). Acceptable acquisition cost = net value × (1 − target margin).

Example: 15 dollar average order, 2 purchases per month, 3 months, all assumptions. Value 90 dollars, net value 72 dollars after the 20% of OnlyFans, acceptable acquisition cost 50.40 dollars for a 30% target margin.

The trap is the lifetime, which nobody knows before having seen fans leave. It is measured in module 7, on cohorts. Tool: fan value.

Stars in dollars

A paid media on Telegram is sold in Stars.

Gross value = price in Stars × dollar value of a Star. Net = gross value − AI commission if a conversation tool makes the sale.

The trap is the first factor. In the pages consulted on September 15, 2026, Telegram does not publish the value of a Star in the clear: the API documentation states that the price of 1,000 Stars and the amount received when withdrawing 1,000 Stars are configuration parameters read by the apps, and the bot payments documentation publishes a table between Stars purchased and net proceeds as an image. The terms of service state that all sales are final and that the purchase price can be changed at any time. The tool therefore asks for the value of a Star as an assumption, to be read from your withdrawal page, and applies if you wish the 15% commission that OnlyChat publishes on Telegram. Tool: Telegram Stars.

The micro-entreprise in France

A manager established in France who invoices his services may fall under the French micro regime.

Position = annual revenue excluding tax compared with the published threshold. Contributions = revenue × contribution rate. Taxable income = revenue × (1 − flat-rate allowance).

Example: 30,000 euros of revenue in services. The threshold published by service-public for income received in 2026 is 83,600 euros excluding tax; the 2026 contributions of the micro-social regime are 21.2% for services, that is 6,360 euros; the flat-rate allowance is 50%, that is a taxable income of 15,000 euros. For a non-regulated liberal activity, the same pages publish 25.6% and 34%.

The trap is the activity category, which changes both rates and belongs to a professional or to the administration. The tool is information, not advice. Tool: French micro-entreprise simulator.

What these eight calculations have in common

Each one contains at least one published figure and at least one assumption. The work of the following modules consists in replacing the assumptions with measurements, one by one: the unlock rate, the acquisition cost, the lifetime of a fan, the actual margin. As long as an assumption remains in a calculation, the result is an order of magnitude, not a fact. That is acceptable for deciding, provided you know it.

The site’s ninth tool is not a calculation: it is the contract generator, described in the previous lesson.