OnlyFans Creator Taxes in Arizona - 2025 Guide

Updated for 2025 (Filing 2024 Taxes)

Is OnlyFans Creator income taxable in Arizona?

Yes, absolutely. Income earned through OnlyFans is considered taxable income by both the federal government and the State of Arizona. As an OnlyFans creator, you are generally considered self-employed by the IRS. This means you'll report your earnings and expenses on a Schedule C (Profit or Loss from Business) and file it with your Form 1040.

Federal Requirements: You'll use Schedule C to calculate your net profit (income minus expenses). This net profit is then added to your adjusted gross income (AGI) on your Form 1040. It's crucial to keep detailed records of all income received through OnlyFans, including tips and any bonuses.

Arizona Specific Rules: Arizona has a flat income tax rate. For the 2024 tax year (filing in 2025), the rate is 2.5%. Your taxable income is calculated after subtracting any applicable deductions (standard or itemized) from your AGI. The net profit calculated on your Schedule C will directly impact your Arizona state income tax liability. Arizona also requires you to report your federal AGI on your state return.

Top Tax Write-offs for OnlyFans Creators

As a self-employed individual, you can significantly reduce your tax burden by claiming legitimate business expenses. Here are some common deductions for OnlyFans creators:

• Software & Subscriptions: Costs for editing software (photo/video), streaming tools, scheduling apps, and any subscription services used specifically for your OnlyFans business are deductible.
• Equipment: Cameras, lighting, backdrops, computers, phones (portion used for business), and other equipment used to create content are deductible. You may be able to use Section 179 deduction or depreciation for larger purchases.
• Mileage: If you drive for business purposes (e.g., to purchase equipment, attend networking events, or for off-site content creation), you can deduct mileage. For 2024, the standard mileage rate is 67 cents per mile. Keep a detailed mileage log!
• Home Office Deduction: If you use a dedicated space in your home exclusively and regularly for your OnlyFans business, you may be able to deduct a portion of your home-related expenses (rent/mortgage interest, utilities, etc.). There are specific rules and calculations for this deduction.

The 15.3% Self-Employment Tax Surprise

Many self-employed individuals are surprised by self-employment tax. When you're an employee, your employer pays half of your Social Security and Medicare taxes. As a self-employed individual, you're responsible for both the employer and employee portions – a combined 15.3% (12.4% for Social Security up to the annual wage base, and 2.9% for Medicare).

You'll calculate this tax on Schedule SE (Self-Employment Tax). The good news is you can deduct one-half of your self-employment tax from your gross income on Form 1040, which helps reduce your overall tax liability. Self-employment tax applies to net earnings over $400.

Closing Tip for Arizona Residents

Navigating taxes as an OnlyFans creator can be complex. It's highly recommended to maintain meticulous records of all income and expenses throughout the year. Consider using accounting software or working with a qualified tax professional (like myself!) who understands the unique challenges faced by content creators. Proactive tax planning can save you significant money and stress when it's time to file. Don't hesitate to seek professional guidance to ensure you're maximizing your deductions and complying with all federal and Arizona tax laws.