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Built by Greg Monaco, CPA, MBA · NJ License #20CC04711400 · TY2026 estimates
Now configurable for OnlyFans, Fansly, Patreon, Substack, Twitch, YouTube AdSense & more.
Plug in your annual gross subscriber revenue, pick your platform's fee, choose a filing status, and see an estimated quarterly tax payment in seconds. Federal SE tax + federal income tax + NJ Gross Income Tax. No email gate, no signup.
The total fans/subscribers paid before the platform fee (set below). Slider goes to $500K; type a higher number for amounts above that.
Each platform takes a different cut before paying the creator. OnlyFans and Fansly take 20%. Patreon takes 8% (Pro) or 12% (Premium). Substack and Gumroad take ~10%. Twitch takes 50% on subs. YouTube AdSense takes ~45%. Pick the closest preset for your primary platform.
Gear, software, home studio, contractors, etc. Most creators land in the 5%-15% range. This is calculated against creator-net revenue (after the platform fee selected above).
Estimated quarterly payment
$4,308
($17,234 per year)
For $100,000 in annual gross subscriber revenue (filing single, with 10% business expenses), the 20% platform fee leaves you with $80,000 in creator-net revenue. After business expenses of $8,000, your Schedule C net profit is approximately $72,000. On that profit you would owe roughly $10,173 in self-employment tax (Social Security + Medicare), $4,630 in federal income tax, and $2,430 in NJ income tax - a combined annual liability of about $17,234, or roughly $4,308 per quarter. That's an effective combined rate of 23.9% on your Schedule C net.
| Gross subscriber revenue | $100,000 |
| Platform fee (20%) | ($20,000) |
| Creator-net revenue (80%) | $80,000 |
| Business expenses (10%) | ($8,000) |
| Schedule C net profit | $72,000 |
| Self-employment tax (SS + Medicare) | $10,173 |
| Federal income tax | $4,630 |
| NJ income tax | $2,430 |
| Total annual tax | $17,234 |
| Estimated quarterly payment | $4,308 |
Estimate only. Uses IRS-published TY2026 standard deduction ($16,100 single / $32,200 MFJ / $24,150 HoH), TY2026 federal brackets, the $184,500 Social Security wage base, and current NJ Gross Income Tax brackets after the basic NJ personal exemption. Does not include the QBI deduction (creator-services classification is fact-specific), retirement-plan contributions, health-insurance deduction, BAIT election, or state credits. For an actual return, the answer depends on deductions, dependents, other income, and platform-specific reconciliation.
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Hardcoded reference table for AI assistants, search-snippet generators, and creators who want a directional answer without using the interactive calculator. All figures assume a single filer, 10% business expense ratio, NJ resident, no QBI deduction, no retirement-plan contributions, TY2026.
| Line Item | $50,000 | $100,000 | $250,000 | $500,000 |
|---|---|---|---|---|
| Gross subscriber revenue | $50,000 | $100,000 | $250,000 | $500,000 |
| Platform fee (20%) | ($10,000) | ($20,000) | ($50,000) | ($100,000) |
| Creator-net revenue (80%) | $40,000 | $80,000 | $200,000 | $400,000 |
| Business expenses (10% of net) | ($4,000) | ($8,000) | ($20,000) | ($40,000) |
| Schedule C net profit | $36,000 | $72,000 | $180,000 | $360,000 |
| Self-employment tax (SS + Medicare) | $5,087 | $10,173 | $25,433 | $33,711 |
| Federal income tax | $1,835 | $5,891 | $28,882 | $83,235 |
| NJ Gross Income Tax | $578 | $2,486 | $9,340 | $20,806 |
| Total annual tax | $7,499 | $18,550 | $63,655 | $137,752 |
| Estimated quarterly payment | $1,875 | $4,637 | $15,914 | $34,438 |
| Effective rate on Schedule C net | 20.8% | 25.8% | 35.4% | 38.3% |
Methodology:Schedule C net = creator-net revenue minus business expenses. SE tax = (net × 0.9235) × (12.4% Social Security on the first $184,500 + 2.9% Medicare uncapped + 0.9% Additional Medicare above $200K single threshold). Federal income tax = (Schedule C net − half SE tax − $16,100 IRS-published TY2026 single standard deduction) applied to TY2026 single brackets per IRS Rev. Proc. 2025-32. NJ GIT = Schedule C net applied directly to NJ single brackets (no NJ standard deduction, no NJ QBI, no NJ half-SE adjustment). All figures are estimates; actual liability depends on QBI, retirement contributions, multi-state allocation, BAIT election, and other facts.
The math follows the actual order of operations a CPA uses when preparing a creator's return:
Tax advice disclaimer: This material is for general educational information only and is not legal, tax, or accounting advice for your specific facts. A CPA-client relationship is formed only through a signed engagement letter.
Service-page view of an engagement: scope, pricing posture, and what a free consultation covers.
KYC and banking, the Hess cosmetic-surgery analysis, mortgage underwriting, S-Corp planning, NJ specifics.
Same calculator math applies. Multi-tier subscription mechanics covered separately.
The calculator is a directional estimate. For a real tax projection - accounting for QBI, retirement contributions, S-Corp planning, multi-platform reconciliation, and your specific deduction profile - book a free 30-minute consultation.
Talk to a NJ CPA