The 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 band, your niche, the content format, and the deal type.
Engagement is a stepped band, not a smooth curve. Under 1% multiplies the base by 0.5. From 1% to 3% is 1.0. From 3% to 5% is 1.5. Above 5% is 2.0. Crossing a band edge is worth more than a slow climb inside one, which is why the tip cards point at the edges.
Niche multipliers run from 0.8 for entertainment to 2.0 for finance. They reflect what an audience is worth to an advertiser, not how hard the content is to make. Format and deal type stack on top of that, and the four deal types are the difference between a passing mention and a video built around the product.
Add-ons are quoted as a percentage of the base post rate because that is how brands ask for them. Usage rights at 75% and whitelisting at 150% are the conservative end of what creators publicly report charging. Real whitelisting deals run higher, sometimes far higher, once the brand's media spend is on the table.