HomeToolsBreak-even

Calculator, free, no sign-up

Break-even: the minimum sales to cover your costs

An operation has fixed costs, paid even without a sale, and variable costs that leave on every dollar sold. This tool calculates the minimum revenue needed to cover the fixed costs, in total and per creator.

The formula

Fixed costs divided by the margin

Fixed costs = tools + proxies + fixed salaries + other.

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 point ÷ number of creators.

The creator's share and the cost of conversation are expressed as a percentage of the platform net, as in the revenue split tool. If the margin drops to zero or below, no level of sales covers the fixed costs: the tool displays "not defined".

Worked example

300 dollars of fixed costs, three creators, default assumptions

ItemCalculationValue
Monthly fixed costs150 + 60 + 0 + 90 (assumptions)$300.00
Margin per dollar sold(1 − 0.20) × (1 − 0.70 − 0.10)16.00%
Total variable costs1 − margin84.00%
Break-even point$300 ÷ 0.16$1,875.00
Break-even per creator$1,875 ÷ 3$625.00

Your figures

Fixed costs per month

Working assumption
Working assumption
0 if everything is proportional
Hosting, accounting, assumption

Variable costs, as a share of sales

20% published by OnlyFans
Working assumption, the rate in your contract
10% = commission published by OnlyChat on OnlyFans; chatters: 2.5% to 12% plus salaries
Working assumption

Results

$1,875.00 Minimum monthly sales to cover fixed costs
$625.00 Minimum sales per creator
$300.00 Fixed costs per month
16.00% Margin kept per dollar sold
84.00% Total variable costs

Frequently asked questions

Three questions about this calculation

What goes into fixed costs?

Everything you pay each month even without a sale: tool subscriptions, proxies, multi-account browser, scheduler, fixed salaries if there are any, hosting, accounting. The default amounts are working assumptions; replace them with your invoices.

Why three variable percentages rather than one?

Because on every dollar sold, three deductions leave before you: the platform commission (20% published by OnlyFans), the creator's share under the contract, and the cost of conversation if it is proportional. The tool shows the resulting total variable cost, and the margin left to you per dollar sold.

What does the break-even per creator mean?

It is the total break-even divided by the number of creators managed, assuming they all sell the same amount. It shows the minimum monthly sales each creator has to reach for the operation not to lose money. A creator below that level is carried by the others.

Sources

  1. OnlyFans, Terms of Service, 20% commission on the fan payment (fact cited in the lesson Legal and tax basics), checked on 2026-09-14.
  2. OnlyChat, pricing page: 10% commission on the AI sales on OnlyFans (example of a proportional cost of conversation), checked on 2026-09-15.

The other tools

Continue with another calculation

Each calculation is explained in the lesson The numbers of the trade, module 6. The tools are information, not advice: the default values are working assumptions, except those that carry a source.