Niche RPM Tracker

Personal Finance & Investing

Real RPM $10-25 · competition: high

Top RPM niche. Financial advertisers compete aggressively. A single credit card or brokerage referral pays $50-$200 on top of ad revenue. Long-form (8+ min) unlocks mid-roll ads, which lifts RPM here.

Monetisation angle: Credit cards, brokerages, insurance, banks

Typical content: budgeting, investing basics, credit card reviews, debt payoff

Scored

Competition	5/10
Monetisation route	Affiliate + ads
Production cost	6/10
Shelf life	9/10

Viewer country changes everything

Tier	Countries	CPM	RPM
Tier 1	US, UK, Canada, Australia, Germany	$15-$50	$8-$25
Tier 2	Western Europe, Japan, South Korea, UAE	$5-$15	$2-$8
Tier 3	Most of Asia, Africa, Latin America	$0.50-$3	$0.20-$1.50

How to use this number

RPM is what you receive per 1,000 views after YouTube's 55% cut, ad-blockers, and non-monetised views. Plan against RPM, not CPM — a niche advertising at $20 CPM typically lands $8–12 RPM once everything is subtracted.

Two things routinely break the maths:

Your viewer's country. A video pulling mostly Tier-1 views out-earns the same view count from Tier-3 viewers several times over. Targeting English-language, US-relevant topics is the single biggest RPM lever that costs nothing.
Volume, not cleverness. At $8 RPM, $1,000/month needs roughly 125,000 monthly views. At $2 RPM it needs 500,000. The niche decides how much upload volume your target income demands.

Also see the Claims Lab for the difference between a niche that pays and a headline that does not.

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