Instagram Money Calculator
Updated August 2026Estimate what your Instagram account earns from sponsored posts and Subscriptions. Set your followers, engagement rate, and how many deals you take a month. Instagram has no per-view payout, so the estimate prices sponsored posts, at our own per-follower rates.
Instagram pays $0 per view. There is no ad revenue share for posts or Reels, and the Reels Play bonus ended in 2023. These estimates come from the people who actually pay creators: brands, and fans on Subscriptions.
Your account
Micro creator, 10K to 50KYour multiplier is 1.5x. Typical for accounts with 10K to 50K followers is 2.15% to 3.42%.
Your deals
Sets your per post rateHow your rate is built
10K followers at $18 per 1K, times 1.5x engagement, times 1.0x niche, times 1.0x format, comes to $263 per feed post.
Fine-tuningInstagram Subscriptions, off by default
Monthly income from followers who pay for exclusive content. Needs roughly 10K followers in an eligible country. Off by default because it adds money to the total rather than redistributing it, so it should be your choice.
At 10,000 followers with 3.0% engagement, charging about $263 per sponsored feed post and doing 2 deals a month, you would earn about $526/mo ($6,312/yr), part-time territory.
$526
Across 2 sponsored feed posts a month
What you negotiate with. Aim for the middle and hold the top for dedicated posts.
Per feed post
$263
Per year
$6,312
Standard sponsored posts, before tax and before add-ons. Usage rights and whitelisting stack on top. Methodology
What is left after tax? Self-employment, federal and state, on this figure.
Your engagement, benchmarked
3.0%
At or above the 2.15% to 3.42% band for accounts with 10K to 50K followers. Lead with this in a pitch. Engagement rate calculator
Am I charging enough
Per feed post, at 3.0% and general / otherTypical rate per sponsored feed post at each account size, computed at your engagement rate and niche. The vertical line is your own rate, so you can see which bands you already sit inside.
Move the number
Follower count is the slow lever. These are the fast ones, priced at your current settings.
Get engagement to 5.0%
Rate bands are stepped, not smooth. Crossing 5% moves your multiplier from 1.5x to 2.0x and adds about $174 a month at the same follower count.
Sell Reels instead of Feed Posts
A Reel prices at 1.5x the base rate against 1.0x for a feed post. Same audience, same effort tier, about $262 more a month.
Add one more deal a month
One extra sponsored feed post is worth $263 at your current rate, or $3,156 a year. Two brands on retainer beats chasing six one-offs.
Turn on Subscriptions
At 0.25% of your followers paying $4.99, that is $125 a month you do not have to pitch anyone for. It is recurring, which is the part sponsorships never are.
Price a specific deal
This page prices standard sponsored posts. Dedicated posts, in depth reviews, and multi post campaigns pay 2 to 3.5 times more per post, and add ons like usage rights and whitelisting stack on top of that.
| Ask for | Uplift | Adds to your rate |
|---|---|---|
| Usage rights, organic | +75% | $197 |
| Whitelisting, paid ads on your handle | +150% | $395 |
| Exclusivity, 30 days | +20% | $53 |
| Exclusivity, 90 days | +60% | $158 |
Whitelisting is the one creators most often give away. If a brand wants to run paid ads through your handle, that is a media buy on your account, not a favour.
Your rates as plain text, ready to paste into a reply.
10K followers, 3.0% engagement, general / other Feed Post: $263 (range $150 to $375) Reel: $394 (range $225 to $563) Carousel: $315 (range $180 to $450) Story: $79 (range $45 to $113) Usage rights, organic: +75% Whitelisting, paid ads on my handle: +150% Exclusivity: +20% for 30 days, +60% for 90 days Dedicated posts and reviews: 2.5x to 3.5x the rates above Packages of 3 or more posts: 10 to 15% off
Your rate card, every formatFeed Post, Reel, Carousel, and Story at your settings
Same followers, same engagement, same niche. Format alone moves the rate by 5x from Story to Reel, which is why bundling formats into one price costs you money.
| Format | Multiplier | Your rate | At 2/mo |
|---|---|---|---|
| Feed Post(yours) | 1.0x | $150 to $375 | $526 |
| Reel | 1.5x | $225 to $563 | $788 |
| Carousel | 1.2x | $180 to $450 | $630 |
| Story | 0.3x | $45 to $113 | $158 |
Story rates look low because one frame is worth about 30% of a feed post. Brands rarely want one frame, so price Stories in sets of three to five.
What creators actually earnMonthly income by account size
At 2 sponsored feed posts a month, 3% engagement, and a general niche. Change any of those and the whole column moves, which is the point: follower count is the least interesting number on your account.
| Tier | Followers | Per post | Monthly |
|---|---|---|---|
| Nano | 1K to 10K | $82 to $206 | $288 |
| Micro | 10K to 50K | $450 to $1,125 | $1,574 |
| Mid-Tier | 50K to 500K | $4,125 to $10,312 | $14,438 |
| Macro | 500K to 1M | $11,250 to $28,125 | $39,374 |
| Mega | 1M and up | $30,000 to $75,000 | $105,000 |
Rates are per standard sponsored post (a brand mention). Dedicated posts and reviews price 2.5 to 3.5x higher; see the sponsorship calculator for deal-type pricing.
Two accounts at the same follower count routinely earn 4x apart, and engagement rate plus niche explains almost all of it. Each example below runs this calculator's actual model with the settings described, using mid-range estimates.
Nora, home workouts
$1,000/mo
8,000 followers, but 6% engagement in the health niche, and brands sponsor her Reels. About $500 per Reel, two deals a month. Nano account, real money, built on engagement quality.
Dev, gadget reviews
$5,200/mo
40,000 followers, tech niche, 4% engagement. Three feed posts a month at about $1,575 each, plus 100 Subscriptions at $4.99 for another $500 before app-store fees. Full-time territory.
Cara, fashion
$10,500/mo
600,000 followers, 75 times Nora, but ordinary 1.5% engagement in a 1x niche means no rate premium. One sponsored post a month at about $10,500.
Look at the per-follower math rather than the totals. Nora earns about $63 per 1,000 followers on a sponsored post; Cara earns $17.50. Nora is 75 times smaller and prices more than three times higher per follower. Engagement and niche set the rate, not size.
Where Instagram money actually comes fromFive income streams, in order of size
There is no ad revenue share on posts or Reels, the Reels Play bonus program ended in early 2023, and Instagram's invite-only Bonuses publish no rates. So the income stack for a working Instagram creator in 2026 looks like this, roughly in order of size:
- Sponsored content: the dominant stream, priced per post by followers, engagement, niche, and format. This is what the calculator models directly.
- Affiliate commissions: newly relevant again, because Meta announced affiliate product tags for Instagram Reels in March 2026 and began rolling them out in a few countries, with no Meta cut of the commission for now.
- Subscriptions: monthly recurring income from your most loyal followers, at price points you choose.
- Gifts and Badges: fan support on Reels and Live. Real, but pocket change for most accounts.
- Bonuses: invite only, undisclosed rates. A windfall if it happens, never a plan.
How this is calculatedBase rate, multipliers, and the assumptions behind them
Per post rate starts at a base of $10 to $25 per 1,000 followers for a standard Instagram sponsored post. That base is multiplied by your engagement rate band, your niche, and your content format, then multiplied by how many deals you take a month.
Engagement bands are stepped, not smooth: under 1% pays 0.5x, 1% to 3% pays 1x, 3% to 5% pays 1.5x, and above 5% pays 2x. That is why moving from 2.9% to 3.0% is worth more than moving from 3.0% to 4.9%. Niche multipliers run from 0.8x for entertainment to 2x for finance. Reels price about 50% above feed posts, and a single Story frame is worth about 30% of one. The base rate and every multiplier are our own estimates, because no platform or study publishes a price per follower.
Subscriptions are modeled from your own assumptions rather than a benchmark, because Instagram publishes no conversion data. Your subscriber count is followers times your conversion rate, times the price point you pick.
Every figure here is a range, not a promise. Rates vary by brand, season, and how well you negotiate, and the same account can quote 3x apart to two different advertisers in the same week. Read the full methodology.
Frequently asked
Does Instagram pay creators per view?
How much money do Instagram creators make?
How many followers do you need to make money on Instagram?
What happened to the Instagram Reels Play bonus program?
How do Instagram Subscriptions work?
Does Instagram have an affiliate program?
How is this different from the Instagram Sponsorship Rate Calculator?
Why does engagement rate matter more than follower count?
How does Instagram pay compare to TikTok and YouTube?
Related tools
Where people go next from this page.
Further reading
Longer guides behind the numbers above.
Sources
Sources checked September 2026, reviewed quarterlyInstagram's own list of creator monetization tools, including Subscriptions, Gifts and Bonuses.
Engagement Rate Benchmarks 2026 from SociaVault, a vendor that sells a social data API: 350,000+ accounts across six platforms, filtered for fraudulent accounts. Its Instagram figures are compiled from unnamed sources, and we found no independent report that corroborates the study.
March 2026: Meta plans to begin testing affiliate experiences on Instagram this spring, starting with Amazon in the US and Shopee in Asia, and to let businesses in 22 countries provide their product catalogs to creators for Reels.
Trade-press coverage of Instagram's spring 2026 affiliate rollout: product tags in Reels, the affiliate networks supported, and the launch countries.
April 2026: a Meta spokesperson says Meta takes no commission on these affiliate sales for now.
Sponsorship prices are our own estimates: no platform or study publishes a price per follower. SociaVault supplies the typical engagement for each follower tier. Full formulas and the update schedule are on the methodology page.