The OnlyFans Accountant – Your Trusted Partner for UK Creator Finances in 2026
Hey UK creators — if you’re earning solid money on OnlyFans but the idea of HMRC, Self Assessment, or tracking every expense feels overwhelming, we’ve got you.
We’re keeping it real about what’s happening right now in February 2026 for OnlyFans earners in the UK, and why teaming up with the right accountant can save you stress, money, and potential headaches down the line.
What’s Making Headlines for Creators in Early 2026
No massive UK-specific OnlyFans crackdowns this year (unlike some wild proposals popping up overseas), but a few key shifts are worth noting:

  • Making Tax Digital (MTD) for Income Tax rolls out in phases. From April 2026, if your self-employment income (including OnlyFans earnings) tops £50,000 annually, you’ll need to keep digital records and submit quarterly updates via HMRC-approved software. It drops to £30,000 from April 2027 — so many growing creators will hit this soon.
  • HMRC continues getting automatic reports on your OnlyFans payouts under DAC7 rules. The platform shares your earnings data directly, so everything’s visible — no hiding subscriptions, tips, PPV, or gifts.
  • Income tax and National Insurance stay steady for the 2025/26 tax year (running until 5 April 2026): Personal Allowance £12,570 tax-free, then 20% basic rate up to £50,270 total taxable income, 40% higher rate to £125,140, and 45% above that. Class 4 NICs at 6% on profits £12,570–£50,270, then 2% above. Class 2 is now voluntary (but paying it protects your state pension record).

These aren’t headline-grabbers like US “sin tax” chatter, but they’re the everyday realities catching creators out without proper setup.

Why UK Creators Are Switching to Specialist Accountants This Year
Generic accountants often miss the creator-specific details. In 2026, more OnlyFans pros are going niche because:

  • They spot every allowable expense — the 20% OnlyFans cut (you only pay tax on the 80% you receive), kit like cameras/lights/props, costumes (business-use only), marketing ads, software, home office portions (rent/utilities/internet %), and even agency or chat management fees.
  • They guide on sole trader vs limited company — for higher earners, switching to a ltd company can slash effective tax via corporation tax (currently lower than higher-rate income tax) and smarter income extraction.
  • They handle MTD compliance, digital record-keeping, and Self Assessment filings so you’re not scrambling in January.
  • Fully confidential and non-judgmental — many firms specialise in adult/digital content creators with discreet, creator-friendly services.

Tools UK Creators Are Loving in 2026

Community favourites for staying organised:

  • Xero and Hubdoc is our software of choice

Pro tip: Open a separate business bank account early. It keeps personal and OnlyFans money clean — HMRC loves clear separation.

Quick 2026 Check-In for UK Creators

  • Trading allowance: If total self-employment gross income is £1,000 or less per tax year (6 April–5 April), no need to register or file. Above that? Register as self-employed pronto.
  • Self Assessment deadline for 2025/26 tax year: Register by 5 October 2026 if new; file and pay by 31 January 2027 (paper) or online.
  • Set aside 25–35% of payouts automatically — better too much than facing interest/penalties.

You’re building a proper business. Treat your finances like one.

Whether you’re at £2K/month or scaling fast, a specialist accountant isn’t just another cost — it’s smart protection, more take-home pay, and peace of mind.
Thinking it might be time? Loads of creator-focused UK accountants offer free initial calls — no pressure, just real advice on your setup.