SEO Check Tools

YouTube Money Calculator

Estimate YouTube earnings by views, niche, and engagement. Includes niche-specific CPM presets.

👁️100,000

Tier-1 advertiser markets

Estimated creator earnings

$330(range $165 – $495)

From 100,000 views in the tech reviews niche to a us, uk, canada, australia audience.

Effective CPM range
$5.00 – $15.00
Monetized playback ratio
60% of views
YouTube revenue share
YouTube 45% / You 55%
Per 1K views (avg)
$3

Estimates only. Real CPMs vary by ad fill, season, video length, audience demographics, and whether the video is mid-roll eligible. Sponsorships and affiliate revenue are not included.

How to use this tool

  1. 1

    Enter your views

    Per video or per month — whichever you want to estimate. Use the preset chips (1K / 10K / 100K / 1M) for quick reference points.

  2. 2

    Pick your niche

    CPM varies 15× between niches. Finance and insurance pay top dollar; gaming and music pay less. Pick the closest match for an honest estimate.

  3. 3

    Pick your audience region

    Tier-1 markets (US, UK, Canada, Australia) pay roughly double what Western Europe pays and 5× what India or Latin America pay. If your audience is mixed, use 'Global average'.

  4. 4

    Read the breakdown

    The headline number is your share after YouTube's 45% cut and the typical 60% monetised-playback ratio. The low and high range reflect ad fill variance.

YouTube SEO tips

Field-tested principles for getting more out of this part of the workflow.

  • December CPMs are 30-50% higher than January due to ad-budget seasonality. Plan revenue around the annual average, not the holiday peak.
  • Videos under 8 minutes don't qualify for mid-roll ads. The estimate assumes mid-roll eligibility.
  • Niche selection matters more than view count once you're past a few thousand subscribers. A 50K-view finance video can out-earn a 500K-view gaming video.
  • RPM (the real metric in Studio) is roughly CPM × 0.55 × monetised-playback-ratio. Use the calculator output as RPM, not CPM.
  • Audience region is the single biggest swing factor your channel can intentionally shape — choose topics that resonate in higher-CPM markets if monetisation is the goal.
  • Sponsorships and affiliate income typically dwarf YouTube ad revenue at scale. The Money Calculator doesn't include those.

Read the related guide

YouTube SEO in 2026: The Complete Guide

How monetisation interacts with discovery, retention, and niche choice in 2026.

12 min read

How the YouTube Money Calculator works

YouTube pays creators a share of the ad revenue earned when ads play on their videos. The exact amount depends on three things: the niche your content sits in (which determines what advertisers are willing to bid), the country your viewers are in (advertiser spend varies dramatically by market), and how many of your views actually saw an ad.

The calculator combines those three inputs with two YouTube constants — the 45/55 revenue share and the typical ~60% monetized playback ratio — to produce a creator-side earnings range. The low end assumes lean ad fill, the high end assumes strong fill.

CPM ranges by niche (USD)

Per 1,000 ad impressions, before YouTube's share.

NicheCPM range
Insurance & legal$18 – $40
Finance & investing$15 – $30
Real estate$12 – $25
Business & marketing$10 – $20
Tech reviews$5 – $15
Travel$5 – $10
Health & fitness$4 – $10
Education$3 – $8
Lifestyle & vlogs$3 – $7
Gaming$2 – $5
Music & entertainment$1 – $4
Kids (COPPA limits)$1 – $3

Frequently asked questions

How accurate is this calculator?+

Order-of-magnitude accurate, not penny-accurate. The CPM ranges are 2024-2026 industry averages aggregated from Tubular, Influencer Marketing Hub, and creator-shared screenshots. Your actual CPM depends on ad fill, seasonality, video length, mid-roll eligibility, and audience demographics — variables this tool can't see.

What's the difference between CPM and RPM?+

CPM (cost per mille) is what advertisers pay per 1,000 ad impressions. RPM (revenue per mille) is what you actually receive per 1,000 video views, after YouTube's 45% cut and accounting for views that don't see an ad. RPM is roughly CPM × 0.55 × the monetized playback ratio (about 60% of views, on average).

Why is gaming so low and finance so high?+

Advertiser demand. Finance, insurance, and B2B advertisers pay top dollar to reach viewers because their customer lifetime value is high. Gaming has massive reach but advertisers compete less aggressively for that audience, so CPMs drop.

Why does my actual revenue differ from this estimate?+

Five common reasons: (1) Your audience region mix is different from what you picked. (2) Your video length doesn't qualify for mid-roll ads. (3) Seasonality — December CPMs are 30-50% higher than January. (4) Your ad inventory has limited fill at the moment. (5) You have AdSense disabled or limited monetization on the video.

Does this include sponsorships and affiliate revenue?+

No. This is YouTube ad revenue only (Partner Program). Sponsorship and affiliate income is typically 2-5× larger for established creators but depends entirely on individual deals.

How is the region multiplier calculated?+

Multipliers are relative to Tier-1 English-speaking markets (US, UK, Canada, Australia) which are baseline (1.0×). Western Europe averages ~0.7×, Eastern Europe ~0.35×, Latin America and South Asia ~0.2×. If your audience is mixed, use 'Global average' (~0.5×).

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