OnlyFans 1099 Examples

If you earned income on OnlyFans last year, chances are you received a 1099 form in January. Or maybe you're frantically searching your inbox wondering what a 1099 even looks like. Either way, understanding how the OnlyFans 1099 works is crucial if you're trying to stay on the good side of the IRS. Let’s break down what it includes, why it matters, and what real examples can look like for creators just like you.

What Is a 1099 Form From OnlyFans?

OnlyFans issues a 1099-NEC to any U.S.-based creator who made $600 or more in a calendar year. This form is how OnlyFans reports your earnings to the IRS. It’s also how the IRS expects you to report your income when you file taxes. Spoiler: they already know what you made.

So, if you earned even $601 from OnlyFans, you’ll be expected to report it. You won’t receive a W-2 because you’re not an employee of OnlyFans. You’re considered self-employed, and that means a different tax game.

If you want to know where to find your 1099, we’ve got a guide for that.

What Does an OnlyFans 1099 Look Like?

The 1099-NEC is pretty standard in format. Here’s a simplified version of what it might include:

Payer Information: Fenix International Limited (yes, OnlyFans is headquartered in the UK).

Recipient Information: Your name, SSN or EIN, and address.

Box 1: Nonemployee Compensation: This is where your total earnings go. If you made $23,487 in 2024, it will appear here.

Box 4: Federal income tax withheld: If you didn’t request withholding (most creators don’t), this will say $0.

The form is mailed to your legal address and also sent digitally. Double check both places in January.

OnlyFans 1099 Examples Based on Creator Scenarios

Creator A: Side Hustler

Let’s say Creator A made $7,200 in total for the year. She worked part-time, posted 2–3 times a week, and didn’t invest heavily into gear. Her 1099-NEC will reflect exactly that $7,200 in Box 1. No tax withheld. She’ll owe self-employment tax and income tax when she files.

Creator B: Full-Time Creator

Creator B made $56,000. He’s a full-time creator, hired a chatter service, and invested in lighting and editing tools. His 1099 will show $56,000 in Box 1. Again, no taxes withheld unless he set up estimated payments. He can deduct eligible business expenses.

Check our Ultimate Guide to OnlyFans and Taxes for more info.

Creator C: Newbie

OnlyFans didn’t click for Creator C. She made $317 in a few months before quitting. She won’t receive a 1099-NEC, since it’s below the $600 threshold. But she technically still has to report that income.

What to Do With Your OnlyFans 1099

Step one: don’t ignore it.

Here’s a simplified checklist:

• Download the form from your account or check your mail.
• Add the income to your tax filing under self-employment.
• Track your expenses to lower your tax bill. Think lighting, costumes, phone, subscriptions.
• Consider quarterly payments if you’re earning consistently.

If you’re unsure how to handle it, consider hiring a tax pro who knows the creator economy. Trust us, your future self will thank you.

Can You Deduct the 20% Cut OnlyFans Takes?

Yes. The platform’s cut is a business expense. If you earned $80,000 and OnlyFans kept $16,000, you report $80,000 as income on your 1099. But you can deduct that $16,000 when filing your return. We explain this further in this blog post.

What Happens If You Don’t Report It?

Simple: tax trouble.

The IRS receives a copy of your 1099-NEC. If you skip reporting it, you could get hit with penalties, interest, or an audit. Even if OnlyFans didn’t send a 1099 because you made under $600, you still need to report it. Ignoring small income is a classic rookie mistake.

OnlyFans 1099 vs. W-2: What’s the Difference?

Some creators ask, "Do I get a W-2 from OnlyFans?" Nope. That’s for employees. OnlyFans treats you like an independent contractor, which means:

• You don’t get benefits or a salary.
• You handle your own taxes.
• You file a Schedule C with your return.

How to Keep Track of Your Earnings

If you’re serious about growing your income, don’t rely only on what OnlyFans sends you. Use tools or spreadsheets to track monthly earnings, tips, PPVs, and withdrawals. Then compare it to your 1099 at year-end.

Also track expenses. Need a lighting ring? Deductible. Canva Pro? Deductible. Fancy lingerie? Sometimes deductible.

Learn more in our OnlyFans Marketing Guide for Creators if you're scaling up.

Final Thoughts: Make Peace With the IRS

Nobody enjoys taxes. But if you're building a long-term brand, handling your OnlyFans 1099 the right way is part of the business. Keep records, report honestly, and reduce what you owe with smart deductions. And if it still sounds overwhelming, you don’t have to figure it out alone.

At PhoeniX Creators, we help creators not just grow their income, but manage the business side of things too. From content strategy to support with taxes, we’re here to help you win. Contact us if you're ready to stop guessing and start growing.