OnlyFans creators are self-employed independent contractors. OnlyFans withholds zero taxes and issues a 1099-NEC for earnings over $600. The platform fee (20%) is a deductible business expense, and so is a wide range of equipment, home office, and marketing costs. This guide lists every IRS Schedule C deduction available to OnlyFans creators in 2026.
| Gross OnlyFans income | $60,000 |
| Platform fee deduction (20%) | − $12,000 |
| Equipment + software + marketing | − $5,500 |
| Home office (200 sq ft) | − $1,000 |
| Phone + internet (business %) | − $1,800 |
| Net profit (Schedule C) | $39,700 |
| SE tax (15.3% on 92.35%) | − $5,604 |
| SE tax deduction (50%) | − $2,802 |
| Estimated federal income tax | − $5,200 |
| NY state tax (est.) | − $3,100 |
By claiming $20,300 in deductions, this creator reduced taxable income by $20,300 — saving approximately $6,000–$8,000 in combined taxes.
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I have been 1099 for 4 years and never fully understood what I could deduct until I found this site. The home office, internet, and software deductions alone saved me over $3,800 on my 2025 return. Way better than anything my accountant explained.
Switched from W-2 to 1099 last year and had no idea what I was doing. This site taught me about QBI deduction, SE tax deduction, and health insurance write-off. Filed my first Schedule C with confidence. No paywall, no upsell, just real information.
Good reference for quarterly estimated taxes. The state-by-state breakdown is useful — Florida has no state income tax which this confirmed. Bookmarked for Q3.