Is personal finance a good niche?
Right now, yes: personal finance is one of the better bets in our data. Advertisers pay well here: long videos earn an estimated $7.7–$19.25 per 1,000 views. In the last 90 days 22 new channels appeared and 2 of them broke out (beat the niche’s usual views 3×). 44% of channels are faceless, so both faceless and on-camera formats work.
Pros
- High RPM: $7.7–$19.25 per 1,000 views on long videos
- 2 new channels broke out in the last 90 days
- New channels keep coming: 22 in 90 days
Cons
- Crowded: 116 channels already compete here
- Low median views: 2,422 per video
Examples worth studying
The channels beating their niche average by the most, and the biggest breakout videos of the last 90 days. The full list is in the app.
Channels beating the average
Finary923K subscribers(opens YouTube in a new tab)159×$23.2K – $58KByNiche estimate, monthly
Don Salomón 12,300 subscribersFaceless(opens YouTube in a new tab)81×$16.1K – $40.3KByNiche estimate, monthly
Marc Friedrich735K subscribersShorts(opens YouTube in a new tab)75×$114 – $286ByNiche estimate, monthly
Breakout videos, last 90 days
- How to Spend Less on Convenience Without Making Life HarderBeginner’s Personal Finance, 14,354 views(opens YouTube in a new tab)
598× - Zero-Based Budgeting Explained Money Theory Lab, 13,230 views(opens YouTube in a new tab)
456× - 27 Investing Mistakes You Should AvoidMoney Theory Lab, 12,933 views(opens YouTube in a new tab)
446×
How to start a personal finance channel
44% of channels in this niche are faceless. Both routes are open: faceless videos with a voiceover, or a host talking to camera.
The most common formats among the channels we track: person talking to camera (43%), narrated documentary / explainer (34%), vlog (6%).
Study the example channels below: which titles and thumbnails multiply their average, and how long are the videos?
Pick a narrower angle inside personal finance: focus on one audience or one question instead of the generic videos everyone makes.
Aim for the median first: here that’s 2,422 views per video. Ship your first 10 videos in one format, then adjust from the data.
Do the math honestly: 100,000 monthly views in this niche earn roughly $770 – $1.9K. You need 1,000 subscribers and 4,000 watch hours to monetize.
Frequently asked questions
What is the YouTube RPM for personal finance?
Long videos in personal finance earn an estimated $7.7–$19.25 per 1,000 views (Finance category). Shorts pay much less: about $0.04–$0.1 per 1,000 views. RPM also shifts with your viewers’ countries and the ad season.
Can you run a faceless personal finance channel?
44% of the 116 channels we track here are faceless. The most common formats: person talking to camera (43%), narrated documentary / explainer (34%), vlog (6%).
How competitive is the personal finance niche?
We track 116 channels. In the last 90 days 22 new channels appeared and 2 beat the niche’s usual views 3×. New channels can still break in.
How much does a personal finance channel make?
The median channel earns an estimated $276 – $691 a month and gets a median of 2,422 views per video. The estimate comes from the last 30 days of views and the niche’s RPM range; the biggest channels earn far more.