How much tax do I pay on OnlyFans income in the UK?

Full answer

Money earned on OnlyFans is taxable self-employment income in the UK. It affects creators of any size, including those treating it as a side hustle alongside a job. The trading allowance gives you GBP 1,000 of gross self-employment income tax-free per year; below this you need not report it. Above GBP 1,000 you must register for Self Assessment and pay tax on your profit (income minus allowable business expenses, or minus the GBP 1,000 allowance if that is larger). You pay Income Tax at your marginal rate -- 20% basic, 40% higher, 45% additional -- and Class 4 National Insurance at 6% on profits between GBP 12,570 and GBP 50,270, then 2% above that. Class 2 NI is now voluntary (GBP 3.65/week) and only relevant if your profits are below the GBP 7,105 Small Profits Threshold and you want to protect State Pension entitlement. Worked example: a creator with GBP 40,000 profit and no other income pays 20% Income Tax on GBP 27,430 (GBP 5,486) plus Class 4 NI at 6% on GBP 27,430 (GBP 1,646) -- roughly GBP 7,132 before any payments on account. VAT is the trap. OnlyFans earnings count towards the GBP 90,000 VAT registration threshold; once your rolling 12-month turnover exceeds it you must register and account for VAT (standard rate 20%). Many high-earning creators reach this faster than expected. 2026/27 detail: the rate card figures above (trading allowance GBP 1,000, Class 4 at 6%/2%, VAT threshold GBP 90,000) all apply this tax year. Keep records of platform fees, equipment and other costs as allowable expenses. Use the self-employed tax calculator to estimate Income Tax plus NI on your profit.

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