What the 20% cut applies to
The OnlyFans 20% cut is the platform commission. It is taken from every revenue type a creator earns: monthly subscriptions, tips, pay per view unlocks and paid messages. Whatever the source, OnlyFans keeps one fifth and the creator keeps the rest.
It is a flat rate. There is no threshold where it drops for high earners and no premium plan that buys a lower number. Every creator on the platform works on the same 80 to 20 split.
What 20% costs across a year
Cut at £2,000/mo
Taken per year at a 20% rate
Cut at 10%
Taken per year at a 10% rate
On £2,000 a month gross, a 20% cut removes £4,800 a year. A 10% fee removes £2,400. That £2,400 gap is the practical meaning of the difference between an 80% and a 90% commission, and it grows with your income.
Why the percentage matters more as you grow
A commission rate is a tax on success. The more you earn, the more the percentage takes in absolute terms. A creator scaling from £2,000 to £8,000 a month sees the annual cost of a 20% cut climb past £19,000. The rate you accept early follows you up the whole curve.
This is why the headline number is worth caring about. Choosing a 90% commission platform early means the saving compounds the entire time you grow. The pricing page shows the take home at several income levels.
The cut compared
| Detail | OnlyFans | Vaultiyo |
|---|---|---|
| Creator keeps | 80% | 90% |
| Platform takes | 20% | 10% |
| Rate changes with volume | No | No |
| Payout frequency | Weekly | Daily |
| Agency commission cap | None | 20% cap |
For the wider picture, read the true cost of using OnlyFans and the full fees guide. When the maths stops working, the OnlyFans alternative shows the 90% model in one page.
Key Takeaways
- The OnlyFans 20% cut applies to subscriptions, tips, unlocks and messages with no exceptions.
- It is flat, so high earners pay the same rate as everyone else.
- On £2,000 a month, a 20% cut removes £4,800 a year versus £2,400 at 10%.
- A commission rate is a tax on success that grows in cash terms as you scale.
- Vaultiyo keeps creators on a 90% commission with daily payouts and a 20% agency cap.
Frequently Asked Questions
Turn the 20% Cut Into 10%
Keep 90% of every sale on Vaultiyo. Daily payouts, no minimum, capped agency fees. See the difference.