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How Do I Get My W2 From OnlyFans?

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If you’ve been scrolling through tax forms and suddenly asked yourself, “How do I get my W2 from OnlyFans?”, take a deep breath. You’re not the only creator thinking taxes feel more confusing than Instagram’s algorithm on a bad day. The short answer? You don’t get a W2. But don’t click away yet — we’re going to explain exactly what you do get, what it means, and how to handle it.

Whether you’re new to making money on the platform or have hit your first five-figure month, understanding how taxes work is just as important as content quality. Let’s clear it all up so you can stay compliant and keep the earnings flowing.

Why You Won’t Receive a W2 From OnlyFans

Let’s get one thing out of the way. OnlyFans doesn’t employ you, which means no W2. W2 forms are for employees. And unless you somehow got hired to sit at their headquarters answering creator support emails (unlikely), you’re not on their payroll.

Instead, you’re considered an independent contractor. That means you're responsible for reporting your own income to the IRS and paying self-employment tax. Instead of a W2, what you’ll be looking for is a 1099-NEC form — more on that in a minute.

Need help figuring out how this works in general? Our guide on how OnlyFans reports to the IRS breaks it down in plain language.

What OnlyFans Sends You Instead: The 1099-NEC

If you earned $600 or more on OnlyFans within the last calendar year and are based in the U.S., OnlyFans (via their payment processor) is required to send you a 1099-NEC. This form reports your non-employee compensation — aka your total earnings before any deductions.

Here’s what you need to know:

It only gets sent if you provided your W-9 form.
You’ll get it by January 31st of the following year.
The total will include your gross earnings, not the net amount after OnlyFans takes its cut.

If you never filled out a W-9, you won’t receive the form — and you might get hit with a 24% backup withholding penalty. Not ideal.

Need help with your W-9? Here's a detailed breakdown of how to fill out the W9 for OnlyFans.

How To Access Your 1099 Form From OnlyFans

Okay, you’re not getting a W2, but where do you find that 1099?

OnlyFans does not personally issue your tax documents. They outsource payouts to a third-party payment provider, typically Paxum or Stripe (depending on your payout method). This provider handles tax documents.

Here’s how to track it down:

If You Use Paxum

Log in to your Paxum account.
Go to "Reports" or "Tax Documents."
Download your 1099 from the dashboard once it’s available in January.

If You Use Stripe

Log in at dashboard.stripe.com.
Navigate to Documents > Tax Forms.
Download your 1099-NEC for the year.

If you're unsure which payout method you're using, check your OnlyFans payout settings.

Not seeing anything by February? Contact OnlyFans support or the payment processor directly — just make sure your email on file is still active.

What If You Made Less Than $600?

Good question. If you made less than $600, you won’t receive a 1099 form — but you still have to report the income. Yes, even if it's just $25 from a tip on a slow week. Uncle Sam wants his share no matter how small the bag.

You’ll report that income manually when you file. Many creators keep a spreadsheet of all their payouts or export reports directly from OnlyFans.

For more on tax write-offs and strategies, read Can You Write Off the OnlyFans Cut in Your Taxes? and What OnlyFans Tax Write-Offs Can I Declare?.

Common Mistakes Creators Make (And How to Avoid Them)

Nobody enjoys taxes, but the IRS really doesn’t care if you “didn’t know.” Here are a few classic errors to sidestep:

1. Ignoring Your Tax Obligations

Thinking OnlyFans doesn’t report your income? Bad move. They absolutely do. They even report gross income to the IRS — meaning you need to file, even if you never got a form.

Read: Do You Have To Pay Taxes On OnlyFans?

2. Forgetting to Track Expenses

Treat your account like a business. Track all expenses: camera gear, editing software, lighting, internet bills, costumes, and yes — even your OnlyFans subscription fees if used for content research.

You’re not just a creator, you’re a content entrepreneur. Start acting like it with your accounting too.

3. Using the Wrong Tax Forms

If you're filing as an individual and report your OnlyFans income, you'll likely use a Schedule C alongside your 1040. If you’ve formed an LLC, there might be additional steps depending on how it’s structured.

Do International Creators Get a W2 or 1099?

If you're based outside the U.S., you still won't get a W2. But you also probably won't get a 1099 unless you filed U.S. tax paperwork like a W-8BEN form.

You are still expected to report earnings to your local tax authority — whether that’s HMRC in the UK, the CRA in Canada, or whoever governs self-employment income where you live.

For creators outside the U.S., this article will help: Is OnlyFans Illegal In My Country?

Tips To Make Tax Season Less Painful

Here are a few ways to make things easier before next year’s panic hits:

Open a separate bank account for your OnlyFans income. This keeps things clean.
Log expenses weekly. Don’t wait until March to dig through receipts and transactions.
Use basic accounting software like Wave or QuickBooks Self-Employed.
Consider a tax professional if you're making serious income. They’ll save you more than they cost.

And if you’re just starting out or growing fast, it’s time to consider working with a team that helps with more than just taxes. At PhoeniX Creators, we help creators focus on content while we handle strategy, marketing, and monetization — so you can keep growing without burnout.

More Help For Creators

If you’re managing your account solo, wearing every hat, and still trying to figure out tax forms between photo shoots and chatting subscribers — we get it. It’s a lot.

We’ve worked with creators in every stage, from day-one beginners to six-figure earners. You don’t have to do it alone.

Explore these other helpful resources:

And when you're ready to stop worrying about taxes and start scaling your brand, get in touch with us here. We'll help you grow like a pro — no spreadsheets required.