Calculator, free, no sign-up
Revenue split: who gets what on a payment
A fan pays a gross amount. The platform takes its commission, the agency takes its share, the creator keeps the rest, and the cost of the conversation is charged against the agency's share. This tool follows a payment from end to end.
The formula
Four subtractions, in order
Platform net = fan's gross payment × (1 − platform commission).
Agency's share = platform net × agency rate.
Creator's share = platform net − agency's share.
Cost of conversation = platform net × chatter or AI rate, or a fixed amount.
Agency's remainder = agency's share − cost of conversation.
The platform commission applies to the amount paid by the fan. OnlyFans publishes 20% in its terms of service. The agency rate is the one in the contract. The conversation rate depends on your choice: the chatter job listings cited in the lesson on the cost of chatting show commissions of 2.5% to 12% on top of an hourly rate; a conversation tool such as OnlyChat publishes 10% on OnlyFans and 15% on Telegram on top of a monthly subscription.
Worked example
A 1,000 dollar payment, with the default assumptions
| Step | Rule | Amount | Share of gross |
|---|---|---|---|
| Fan's gross payment | Working assumption | $1,000.00 | 100.0% |
| Platform commission | 20% of gross (OnlyFans, published terms) | $200.00 | 20.0% |
| Platform net | Gross minus commission | $800.00 | 80.0% |
| Agency's share | 30% of net (assumption) | $240.00 | 24.0% |
| Creator's share | Net minus agency's share | $560.00 | 56.0% |
| Cost of conversation | 10% of net (commission published by OnlyChat on OnlyFans) | $80.00 | 8.0% |
| Agency's remainder | Agency's share minus cost of conversation | $160.00 | 16.0% |
Split
Frequently asked questions
Three questions about this calculation
Why is the platform commission 20% by default?
Because that is the rate published in the OnlyFans terms of service: 20% of the fan payment, deducted before anything is paid to the creator. For Telegram, the pages consulted do not publish a single percentage but a table between Stars purchased and net proceeds; enter the rate you observe, or use the Telegram Stars converter.
On what basis is the agency's share calculated?
In this tool, on the net after the platform commission, because that is what the creator actually receives. Some contracts calculate it on the gross: the result is higher for the agency at the same percentage. The site's contract generator asks you to choose this basis explicitly.
Who pays the chatter or the AI?
The tool deducts the cost of the conversation from the agency's share, because the agency is the one organizing the conversation. If the creator works alone with a tool, her share is the one bearing that cost: set the agency's share to zero and read the "cost of conversation" line.
Sources
- OnlyFans, Terms of Service, 20% commission on the fan payment (fact cited in the lesson Legal and tax basics), checked on 2026-09-14.
- OnlyChat, pricing page: $20 per creator per month, 10% commission on the AI sales on OnlyFans, 15% on Telegram, checked on 2026-09-15.
- Telegram, Stars payments documentation (table between Stars purchased and developer net proceeds, published as an image), checked on 2026-09-15.
The other tools
Continue with another calculation
- PPV price
- Chatter or AI
- Net after commission
- Break-even
- Fan value
- Telegram Stars
- French micro-entreprise
- Contract generator
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.