Fansly's Terms of Service say creators earn 80% of the revenue generated on subscriptions, sales and tips related to their content, which leaves Fansly a 20% share. That share is the only fee Fansly takes from ordinary sales, but other things can still reduce what reaches you: refunds and some chargebacks are deducted from earnings, a dormant account is charged a monthly inactivity fee, and depending on how you are paid, exchange rates, your receiving bank or a third-party wallet can take a cut on the way.
This page lists each of those costs with its source and gives you a worksheet for turning Fansly's figures into the money you actually keep. Method-by-method payout minimums and setup are covered in our guide to Fansly payout methods. Head-to-head fee comparisons with OnlyFans live on our OnlyFans vs Fansly page and in the Fansly and OnlyFans platform comparison.
The platform share and where it shows
Two Fansly documents state the split. The terms, effective 21 July 2026, give creators eighty percent of revenue on subscriptions, sales and tips, and add that Fansly may deduct money earned on transactions that ended in a chargeback, or on content that breaks the terms. The help centre's Getting Started guide, updated in August 2026, repeats the 80% figure for subscriptions, sold media, messages and tips, and adds that there are no hidden fees for payouts, processing or currency conversion. Paid messages are a kind of sale, so the two lists describe the same thing.
You never pay the share as a separate bill; it is taken before money reaches your wallet. The Statistics page article defines Gross as the total amount fans paid and Earnings as your net revenue after Fansly's share and any refunds, and says wallet history amounts are what you received after fees. When a refund card is showing, a third figure, Net before refunds, sits between the two. Those three numbers are the backbone of the worksheet further down.
One wrinkle applies to Australian buyers. The terms say Goods and Services Tax applies to all sales made to Australian consumers, that Fansly collects it and remits it to the Australian Taxation Office, and that it is calculated as one eleventh of the gross sale. The terms do not say whether the creator share is worked out before or after that tax, so if many of your buyers are in Australia, compare the Gross figure with what your prices imply, and ask Fansly support if the numbers do not line up.
Deductions that can come out of earnings
Beyond the share, Fansly's documents describe several ways money can leave your balance after a sale.
| Cost | When it applies | How it is taken | Source |
|---|---|---|---|
| A refund you decide to give | Creators have full discretion to refund media purchases, tips or subscriptions through Fansly support | Deducted from your wallet balance or pending funds, and the fan loses access to the refunded media | Can Creators Offer Fans a Refund? |
| A refund Fansly issues to a fan | Custom content not delivered within 2 weeks or the agreed timeframe, an account inactive for 6 months or more, or confusion about what a purchase included | Your earnings are adjusted; for late customs Fansly says it contacts the creator first | When Would a Fan Get a Refund? |
| Blocking someone mid-subscription | No automatic refund, but if the fan asks and the request is approved | The approved amount is deducted from your earnings | Creator Security FAQ |
| Chargebacks | Fansly shields creators in most cases, but may deduct where a creator has an unusually high number compared with others, or is found at fault | Deducted from revenue | Creator Security FAQ and the terms |
| Content that breaks the terms | Revenue tied to violating content, or a prohibited use of the platform | Deducted, or forfeited and refunded to affected users at Fansly's discretion | Terms of Service |
| Inactivity fee | No login for 12 consecutive months | $5 USD a month from your balance until it reaches zero, spending balance first and then earnings; never charged to a card, and it stops when you log in, without refunds | Inactive Status Charge and the terms |
| Your own purchases | You buy from another creator with no spending-wallet funds and no payment method attached | The cost is taken from your earnings wallet | Spending vs. Earnings Wallets |
Note that two different “inactive” rules appear in that table. The inactivity fee is tied to logging in, and it only bites after a full year without a login. The refund rule refers to an account being inactive for six months or more, which can lead to refunds or deductions. That article does not define inactive, but its framing, that staying active means fans can count on you, suggests activity on your page rather than simply logging in. Treat a long posting break as a refund risk even if you still sign in. Remember too that refunds are counted in the month they are issued, so a refund can reduce a month in which the original sale did not happen.
Currency, payout routes and the “no hidden fees” line
The Getting Started guide's promise of no hidden fees for payouts, processing or currency conversion is best read as “Fansly does not add a charge”. Other Fansly documents describe costs that can still arise along the way.
- Exchange rates: the payer article says some foreign-currency payers may not use exactly the mid-market rate, and invites you to contact Fansly to learn a particular payer's rate. Bank wire payers typically deliver USD or EUR over SWIFT, while bank deposit payers usually pay locally in your own currency.
- Your own bank: the same article warns that your bank may charge a fee for receiving international transfers and suggests checking with it first.
- Cryptocurrency: the terms describe crypto payouts as irreversible, say additional administrative fees may accompany virtual currency transactions, and place the risk of value swings on you.
- Third-party wallets: the alternative payout methods article lists Paxum, cryptocurrency and Cosmopayment, and notes that each service may need its own verification. Those providers run their own accounts and fee schedules, which Fansly's pages do not cover, so read them before you choose one.
Where the documents seem to disagree, rely on the binding and more specific ones. The terms are the contract, and they explicitly allow for crypto administrative fees; the payer article is the most specific on exchange rates. Plan on the assumption that the route you pick can cost something, then measure it from your own statements. Our payout methods guide compares the routes side by side.
Net earnings worksheet
Fill this in once a month. Every figure is yours to enter from the place listed; the letters let you do the arithmetic without double counting.
| Line | What to enter | Where to find it |
|---|---|---|
| A. Gross by stream | What fans paid for each product type: subscriptions, media, tips, locked text, media sets, stream tickets, referrals and any leaderboard prize, plus the total | By product list and Gross card, Earnings tab, with the month selected |
| B. Net before refunds | Revenue after Fansly's share, before refunds | Net before refunds card, or the sum of net figures in the By product list |
| C. Platform share | A minus B | Calculated; should sit close to the share stated in the terms |
| D. Refunded | The total taken back for refunds issued this month | Refunded card, which only appears in months with refunds |
| E. Earnings | B minus D | Check it against the Earnings card; a gap means something else was deducted |
| F. Other balance deductions | Inactivity fees, purchases paid from your earnings wallet, and any chargeback or violation deduction Fansly told you about | Wallet history on the Wallet & Payouts page, and Fansly emails |
| G. Payout route costs | Receiving-bank fees, exchange-rate differences, provider or network fees | Your bank or provider statements, and the payer rate if you asked Fansly |
| H. Tax set-aside | The amount you reserve on your tax agent's advice | Your own records |
| I. Yours to keep | E minus F, G and H | Calculated; compare with deposits actually received |
The error to avoid is subtracting the platform share or refunds twice. The Earnings card already excludes both, so start from E, not from A. Keep in mind the Statistics page counts days and months in UTC, so a sale made close to the turn of a month may land in a different month on Fansly than on your bank statement. Our guide to the Fansly Statistics page shows where each card sits, and if line A includes prize money, our leaderboard explainer covers how those prizes are paid.
Tax is a cost Fansly leaves with you
Fansly's help centre states that it does not withhold any taxes from creator earnings, and its tax guide FAQ adds that Fansly does not store total annual earnings for creators, so your own monthly records are the ones that count. Line H in the worksheet exists for that reason. In Australia, the ATO's page on foreign and worldwide income names payments from overseas-hosted platforms to content creators as income Australian residents need to declare, and its guide Are you in the business of content creation? helps you work out whether you are running a business. Rules differ by country, and how much to set aside is a question for a registered tax agent or accountant, not for a platform help page or this guide.
Limitations of this breakdown
The figures and rules above come from Fansly's terms and help centre as they read on 1 October 2026. Fansly can change its terms, and the help articles cited here carry dates from October 2025 to the week this guide was published. Several costs cannot be stated in advance: payer exchange rates are not published, receiving-bank and provider fees vary by provider and country, and the terms leave the interaction between GST and the creator share unexplained. The worksheet shows you where to find each figure; it cannot tell you what any of them will be. Nothing here is financial or tax advice.