Calculate your take-home
Every channel, same members and price
The table updates with your inputs. It shows payment and platform fees only; on your own site you also pay hosting, AI, content and compliance costs, which you can enter above.
| Channel | Fee | Fees a month | You keep a month |
|---|
On a WhiteLabelFans partner site the comparison is different: the platform carries processing, chargebacks, hosting, AI and content, and the partner earns up to 60% of total site revenue. At your inputs that is up to $0 a month, with no running costs to subtract. See how partner earnings work.
Model the first 12 months: traffic, conversion and churn
Members do not arrive all at once, and some leave every month. Enter your own traffic, conversion and churn to see how the member count builds and where it levels off. It uses the price and sales channel from the calculator above. The defaults are example inputs to show the math, not benchmarks.
How it works: each month, visitors times your conversion rate become new members, and existing members leave at your churn rate (members next month = members this month x (1 - churn) + new members). The count levels off where the members who leave equal the ones who join: new members divided by churn. Take-home applies the fee of the channel you picked above and subtracts your other monthly costs.
Published fee rates used
| Channel | Fee | Notes | Source |
|---|---|---|---|
| Verotel Basic (web, adult-friendly cards) | 15.5% | Recurring payments after the first add 1.5%; 10% rolling reserve for 6 months | Verotel price chart |
| Epoch, new account (web, adult-friendly cards) | 15% | Falls to 13.25% with weekly volume; $1,950 card registration a year | Epoch business services |
| NOWPayments (crypto) | 1% | Network fees extra and not published | NOWPayments pricing |
| CoinGate Standard (crypto) | 1% | Payout fees extra | CoinGate pricing |
| OnlyFans | 20% | Platform fee on each fan payment | OnlyFans terms |
| Fanvue | 20% | Promotion: creators keep 85% in their first month | Fanvue creator earnings |
| Fansly | 20% | Creator agreement effective June 26, 2026 | Fansly creator agreement |
| Patreon (pages published after Aug. 4, 2025) | 12.9% + $0.30 | 10% platform fee plus 2.9% + $0.30 US card processing | Patreon creator fees |
| Apple App Store, standard | 30% | 15% in the Small Business Program and on subscriptions after year one | Apple Developer Program License Agreement |
| Apple App Store, Small Business Program | 15% | For developers with up to $1M in proceeds the prior year | Apple Small Business Program |
| Google Play, US/EEA/UK, first $1M a year | 15% | 10% service fee plus 5% billing fee since June 30, 2026 | Google Play service fees |
Rates checked October 26, 2026. CCBill and Segpay do not publish processing rates, so they are not listed; use "Other" with the rate in your contract. Stripe (2.9% + $0.30) and PayPal prohibit or restrict adult content, so they are not offered for adult AI sites. Reserves, chargeback fees, taxes and currency conversion are not included. For processor details, read fan site payment processors and high-risk payment processing for AI companion sites.
How to read the result
- Fan platforms take 20% but bring their own audience and handle payments; you pay nothing else to list.
- App stores take 15% to 30% and restrict explicit content, which is why most adult companion sites sell on the web.
- Adult-friendly card processors take about 13% to 15.5% and often hold a reserve; you also run the site, the AI and compliance.
- Crypto costs about 1%, but most buyers still pay by card, so it rarely carries a whole site.
Frequently asked questions
How much does OnlyFans take from creators?
OnlyFans' terms set its fee at 20% of each fan payment, so creators keep 80%. Fanvue and Fansly also publish a 20% standard fee; Fanvue runs a promotion where creators keep 85% in their first month.
What do adult payment processors charge?
Of the processors that publish rates, Verotel Basic charges 15.5% per transaction with a 10% rolling reserve, and Epoch starts new accounts at 15%, falling to 13.25% with volume. CCBill and Segpay do not publish their rates.
Why not use Stripe or PayPal for an AI companion site?
Stripe lists AI-generated adult content as prohibited, and PayPal restricts sexually oriented materials and services. Adult AI sites use adult-friendly processors or crypto instead.
Does this calculator estimate my earnings?
No. It only applies published fee rates to the members and prices you enter. How many members you get depends on your niche, traffic and offer.
Why model churn?
Because members cancel every month. Without churn, revenue looks like it grows forever; with it, you can see the member count your traffic can sustain, which is new members a month divided by the monthly churn rate.
How much do WhiteLabelFans partners keep?
Partners earn up to 60% of total site revenue. The platform carries processing, hosting, AI, content and compliance, so there are no running costs to subtract from that share.