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Built by Greg Monaco, CPA, MBA · New Jersey CPA license · 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 charges new creators (pages published after Aug 4, 2025) a flat 10%; the 8% (Pro) and 12% (Premium) rates are legacy and apply only to continuously-published pre-Aug-2025 pages. 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 payment per quarter (annual tax ÷ 4)
$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 assuming four equal installments. 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. Applies a simplified 20% Section 199A QBI deduction with the OBBBA $400 minimum / $1,000 active-QBI floor for content-creator income treated as non-SSTB; the QBI deduction can be lost or reduced if the IRS classifies your activity as a specified service trade or business, so treat the QBI component as directional. Above $201,750 single / $403,500 MFJ of taxable income, this tool suppresses the regular 20% computation but still applies the OBBBA $400 minimum when active QBI is at least $1,000. The actual Section 199A limitation phases in gradually and depends on SSTB classification, W-2 wages, and property (Form 8995-A); confirm the actual limitation before relying on this directional estimate. Does not include retirement-plan contributions, the self-employed health-insurance deduction, the NJ BAIT election, or state credits. For an actual return, the answer depends on deductions, dependents, other income, and platform-specific reconciliation.
Want to understand this estimate?
Ask SAM (the on-site chat) about the model assumptions, S-Corp tax treatment, client-established retirement-account reporting, and NJ BAIT. The chat does not recommend transactions or investments.
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, the simplified 20% Section 199A QBI deduction (non-SSTB) applied federally, the $1,000 NJ personal exemption applied to the NJ figure, 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 | $1,418 | $4,630 | $21,625 | $83,443 |
| NJ Gross Income Tax | $543 | $2,430 | $9,276 | $20,742 |
| Total annual tax | $7,047 | $17,234 | $56,334 | $137,897 |
| Estimated quarterly payment | $1,762 | $4,308 | $14,084 | $34,474 |
| Effective rate on Schedule C net | 19.6% | 23.9% | 31.3% | 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 − QBI deduction − $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 the written intake and acceptance process, including scope and pricing posture; no consultation or call is promised.
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 - submit the contact form for an intake review and written scope.
Use the Written Contact FormContact-form intake · Written scope required
If the request fits current scope and capacity, Greg Monaco, CPA may reply in writing with availability, next steps, and proposed scope and pricing. Submitting the form does not create an engagement or promise a response or outcome. Privacy note: calculator inputs and results are not sent with this form; only the submitted contact fields are transmitted. Livingston, NJ; serving New Jersey.
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