How Much Do Finance Creators Make on TikTok?
FinTok earnings breakdown: The highest-paying niche on TikTok—from 1K to 500K followers
Why Finance Is the Highest-Paying TikTok Niche
3x Higher Creator Fund RPM
Finance: $0.05-$0.07 per 1K views
Average: $0.02-$0.03 per 1K views
50% Higher Brand Deal Rates
Finance: $0.20-$0.30 per follower
Average: $0.10-$0.20 per follower
High-Value Affiliates
Credit card referrals: $50-$200 each
Investment app signups: $10-$50 each
A finance creator with 50K followers earns 3-5x more than a comedy creator with the same following.
FinTok Earnings by Follower Tier
10K-25K Followers
Monthly Total:
$1,500 - $4,000
Creator Fund
2-4M views at $0.05 RPM
$100-$200
Brand Deals
1-2 fintech deals
$1,000-$2,500
Affiliate
Credit cards, apps
$300-$1,000
LIVE/Other
Q&A sessions
$100-$300
At this tier, focus on building credibility and landing first fintech partnerships.
25K-50K Followers
Monthly Total:
$4,000 - $10,000
Creator Fund
4-8M views
$200-$400
Brand Deals
2-3 deals at $1.5K-$3K
$3,000-$7,500
Affiliate
10-30 conversions/month
$600-$1,500
LIVE/Courses
Q&A + digital products
$200-$600
This is where FinTok becomes full-time income. Strong affiliate conversions + premium brand deals.
50K-100K Followers
Monthly Total:
$10,000 - $25,000
Creator Fund
8-16M views
$400-$800
Brand Deals
2-3 major campaigns
$7,000-$18,000
Affiliate
High-converting audience
$2,000-$5,000
Courses/Products
Digital products sales
$600-$1,200
Top-tier FinTok income. Banks, investment platforms, and fintech companies actively recruit at this level.
100K-500K+ Followers
Monthly Total:
$25,000 - $100,000+
Creator Fund
16-40M views
$800-$2,000
Brand Deals
Exclusive partnerships, multi-month
$20,000-$80,000
Affiliate
Scale conversions
$3,000-$12,000
Products/Courses
Established product line
$1,200-$6,000
Elite FinTok tier. Multi-month ambassador deals, course launches, speaking engagements, book deals.
Real FinTok Creator Examples
Alex - 40K Followers (Credit Card & Points)
Monthly:
$7,200
Income Breakdown:
- • Creator Fund: $250/month (5M views)
- • Credit card affiliate: $3,500 (20-30 signups at $100-$150 each)
- • Brand deals: $3,000 (1 deal with credit monitoring service)
- • LIVE Q&A: $200
- • Course (passive): $250
Strategy: Posts daily credit card tips, travel hacking, and points optimization. High conversion because viewers want specific card recommendations.
Jordan - 75K Followers (Investing & Stocks)
Monthly:
$18,500
Income Breakdown:
- • Creator Fund: $500/month (10M views)
- • Brand deals: $12,000 (Robinhood, Webull type partnerships)
- • Investment app referrals: $3,500 (50-70 signups at $50 each)
- • Course sales: $2,000 ("Beginner investing course" $97)
- • LIVE: $500
Strategy: Explains stocks, ETFs, and investing basics. Partners with investment platforms. Sells beginner course. Heavy disclaimers.
Taylor - 150K Followers (Budgeting & Debt Payoff)
Monthly:
$32,000
Income Breakdown:
- • Creator Fund: $900/month (18M views)
- • Brand deals: $22,000 (YNAB, Mint, budgeting apps)
- • Affiliate: $6,000 (budgeting apps, financial planners)
- • Digital products: $2,600 (budget templates, trackers)
- • Sponsored LIVE: $500
Strategy: Relatable content about paying off $80K debt. Shares real budget, savings progress. Audience trusts authenticity.
Creator Fund RPM: Why Finance Dominates
Finance creators earn 2-3x more per 1,000 views than other niches. Here's the RPM breakdown:
| Content Type | Average RPM | Best Case RPM | Key Factor |
|---|---|---|---|
| Finance (Educational) | $0.05-$0.07 | $0.10-$0.15 | High-income audience, US viewers |
| General Education | $0.03-$0.04 | $0.06-$0.08 | Good engagement, mixed audience |
| Entertainment/Comedy | $0.01-$0.03 | $0.04-$0.05 | Oversaturated, young audience |
Why Finance RPM Is So High:
- • Premium Advertisers: Banks, investment firms, fintech companies pay 3-5x more for ads than e-commerce brands
- • High-Value Audience: Finance viewers typically 25-45 with higher income and purchasing power
- • Purchase Intent: Viewers actively researching financial products = higher conversion rates
- • US-Heavy Audience: Finance content attracts primarily US/UK viewers (highest CPM markets)
- • Watch Time: Educational finance videos average 60-120 seconds vs. 15-30 for entertainment
Real Example: A finance creator with 50K followers and 5M monthly views earns $250-350 from Creator Fund alone. Same views in comedy/dance niche = $50-150. That's a 3-5x difference in passive income from the same views.
FinTok Sub-Niches: Earnings Potential
Not all finance content pays equally. Here's the breakdown:
Credit Cards & Travel Points
Highest ($$$)Why: Credit card referrals pay $50-$200 per signup. Travel cards pay even more. Banks have huge budgets.
Audience: 25-45, high income, interested in rewards optimization
Competition: High—but always room for unique angles (military cards, business cards, etc.)
Investing & Stock Market
Very High ($$-$$$)Why: Investment platforms pay $10-$50 per signup. Course sales potential. High engagement.
Audience: 22-40, interested in wealth building, ranges from beginners to experienced
Competition: Very high—need strong disclaimers and unique teaching style
Budgeting & Debt Payoff
High ($$)Why: Budgeting app affiliates, template sales, high engagement. Relatable content.
Audience: 22-35, often in debt or learning to budget, very engaged community
Competition: Moderate—authenticity and personal story matter most
Real Estate Investing
Very High ($$-$$$)Why: High-ticket courses ($500-$2,000), platform partnerships, coaching. Audience has money.
Audience: 30-50, higher income, serious about wealth building
Competition: Moderate—requires credibility (actual real estate experience)
Cryptocurrency
Variable ($-$$)Why: Exchange referrals pay well, but highly regulated. Risky niche.
Audience: 18-35, tech-savvy, speculative investors
Competition: Very high + regulatory risk—not recommended for beginners
General Money Tips
Low-Medium ($)Why: Too broad. Hard to monetize without specific product/service to promote.
Audience: Everyone—but not targeted
Competition: Extremely high—avoid this unless you have unique angle
Finance Brand Deal Rates (50% Premium)
Finance creators command significantly higher brand deal rates than general creators:
| Follower Count | General Rate | Finance Rate (+50%) | Typical Partners |
|---|---|---|---|
| 10K-25K | $1,000-$2,500 | $1,500-$3,750 | Budgeting apps, credit monitoring |
| 25K-50K | $2,500-$5,000 | $3,750-$7,500 | Investment apps, neobanks |
| 50K-100K | $5,000-$10,000 | $7,500-$15,000 | Major fintech, credit card companies |
| 100K-250K | $10,000-$25,000 | $15,000-$37,500 | Banks, investment platforms, courses |
| 250K-500K | $25,000-$50,000 | $37,500-$75,000 | Exclusive partnerships, ambassadorships |
Why Finance Pays More: Financial services have high Customer Lifetime Value (CLV). One credit card signup = $500-$2,000+ profit for the bank over time. One investment account = $1,000-$10,000+ in fees over years. Brands can afford to pay creators more because each conversion is extremely valuable.
Viral Finance Content Ideas (With Monetization Angles)
Content ideas specifically designed to drive both engagement AND income:
"I tracked every dollar for 30 days" Series
Why it works: High completion rate, relatable, drives saves
Monetization: Budgeting app affiliate (YNAB, Rocket Money), template sales
Example approach: Show real receipts, honest spending mistakes, lessons learned
"Credit card I actually use for [specific benefit]"
Why it works: Specific = higher trust, viewers ready to apply
Monetization: $50-$200 credit card referral per signup
Example approach: Travel card for points, cashback card for groceries, business card for LLC
"Investing $X every day/week for [timeframe]"
Why it works: Progress updates keep viewers coming back
Monetization: Investment platform referral ($10-$50 each), course sales
Example approach: $5/day in index funds, show real app screenshots, track growth
"Things I stopped buying to save $X/month"
Why it works: Immediately actionable, highly shareable
Monetization: Budgeting tools, alternative product affiliates
Example approach: Gym → home workouts, Starbucks → home coffee, name brand → generic
"How I paid off $X debt in Y months"
Why it works: Inspirational + educational, massive engagement
Monetization: Debt consolidation referrals, budgeting courses, templates
Example approach: Show actual debt tracker, methods used (snowball/avalanche), celebrate milestones
"Passive income stream that earns $X/month"
Why it works: Everyone wants passive income, high curiosity
Monetization: Platform referrals, course on your method
Example approach: Dividend stocks, rental property, digital products—show real evidence
"Credit score mistake costing you $X/year"
Why it works: Fear + solution = high engagement
Monetization: Credit monitoring affiliates ($20-$50 each)
Example approach: Common mistakes, how to fix, how much you save
"Millionaire habits vs. broke habits"
Why it works: Comparison content performs well, aspirational
Monetization: Books, courses, productivity tools
Example approach: Side-by-side morning routines, spending habits, investing approaches
Top 6 FinTok Monetization Strategies
1. Master Credit Card Affiliate Programs
Sign up for: Capital One affiliate, Chase referral program, Amex referral, credit card aggregators (Credit Karma, NerdWallet partner programs)
Potential: $50-$200 per signup. 20 signups/month = $1,000-$4,000
2. Partner with Fintech Companies
Reach out to: Robinhood, Webull, Public, Acorns, Rocket Money, YNAB. Offer multi-video campaigns, not one-offs.
Potential: $2,000-$10,000 per campaign for 25K-100K followers
3. Create Digital Products (Templates, Courses)
Sell: Budget templates ($10-$30), investing courses ($50-$200), debt payoff trackers ($15-$40). Use Gumroad, Stan Store, or Teachable.
Potential: $500-$5,000/month passive once established
4. Optimize for Creator Fund (High RPM)
Finance content earns 2-3x more per view. Focus on watch time, educational content, and US audience (pays most).
Potential: $400-$2,000/month at 50K-500K followers
5. Weekly LIVE Q&A Sessions
Go LIVE every week to answer finance questions. Builds trust, drives affiliate conversions, earns LIVE gifts.
Potential: $200-$1,000/month in gifts + boosts affiliate sales 20-30%
6. Build Email List for Product Launches
Offer free PDF guide ("10 Steps to $10K Savings") in exchange for email. Launch products/courses to list.
Potential: 10-20% email open rates convert at 2-5% = $1,000-$10,000 per launch
Critical Legal & Compliance
MUST-HAVE Disclaimers & Practices:
- Add "This is not financial advice" to EVERY video (text overlay + verbal)
- Disclose ALL affiliate relationships: #ad for paid sponsorships, #affiliate for commission links
- Never give personalized advice ("YOU should invest in X") — use general terms ("SOME people consider...")
- Check SEC/FTC guidelines if discussing stocks, crypto, or securities
- Consider forming LLC for liability protection
- Get professional liability insurance if giving any advisory-style content ($500-$1,500/year)
- Be especially careful with crypto — heavily regulated, high legal risk
When in doubt, consult an attorney. One compliance mistake can cost $10K-$100K+ in fines or legal fees. Protect yourself.
Frequently Asked Questions
Frequently Asked Questions
Calculate Your FinTok Earnings Potential
Use our brand deal calculator and add 50% premium for finance niche:
Calculate Your Rate →