November 11, 2026

How to Make Money on Instagram: 13 Ways That Actually Pay

Can you really make money on Instagram? Yes, and you don’t need a huge following to get started.

Instagram has more than 3 billion monthly users, and it’s where a lot of people discover the products, local businesses, and creators they end up paying.

The best ways to make money on Instagram are creating UGC for brands (no followers required), selling your own products or local services, and landing brand deals once you’ve built a niche audience. Instagram’s own payouts, like Subscriptions and Gifts, are a nice bonus but rarely the main event.

Here’s my guide to 13 ways to make money on Instagram, with real examples from Side Hustle Show guests and current pay rates. Comparing platforms? Here’s how to make money on Facebook and the most popular TikTok side hustles.

Your Audience Best Ways to Earn Realistic Earnings
No followers UGC, social media management, running ads $15 to $100+ an hour, or about $1,500 a month per ads client
A local following Local services, your own products Up to $10,000 a month (window washing example)
1,000 to 10,000 Brand deals, affiliate links, digital products $100 to $500 per sponsored post or Reel
10,000+ Bigger brand deals, Subscriptions, a membership or course $500 to $2,500+ per post or Reel

1. Create UGC for Brands

Followers needed: None

UGC (user-generated content) creators get paid to make short, authentic-looking videos that brands post on their own accounts and run as ads.

Since the brand is paying for the video and not your audience, you don’t need any followers. That’s how Megan Collier built a six-figure UGC side hustle.

Megan Collier, a UGC creator and creative strategist

Megan started with nothing but a willingness to DM brands. She’d scroll the ads in her Instagram feed, follow the brand, and send a short message asking to be connected with whoever handled partnerships.

Ten days later, she landed her first deal for $750!

Later, one home products brand paid her $3,000 a month for 15 to 20 Instagram Reels, and those were product-only videos with no face needed. At her peak, she was earning $10,000 to $13,000 a month while still working her day job.

To get started, film 3 to 5 sample videos with products you already own and put them in a simple portfolio you can send with your pitches.

2. Become a Social Media Manager

Followers needed: None

Lots of small business owners know they should be posting on Instagram, but they don’t have the time (or the patience) to do it.

You can take that off their plate by planning, creating, and scheduling their posts. Social media freelancers usually charge $15 to $50 an hour, and experienced managers can earn $100 an hour or more, according to our guide to in-demand freelance skills.

Many freelancers sell this as a monthly package, like three posts a week. Canva makes it easy to turn out on-brand graphics fast. (Here are more ways to make money with Canva.)

To land your first client, look at the businesses you already buy from. How could their Instagram be better? Make a few sample posts and send them to the owner, or list your services on Fiverr.

3. Run Instagram Ads for Businesses

Followers needed: None

Instagram ads run through Meta’s ad platform, and plenty of business owners would rather pay an expert than learn it themselves.

Brien Gearin taught himself Facebook ads and built a six-figure digital marketing agency on the side. As a ballpark, he charges $1,500 a month to manage Facebook and Instagram ads for a client.

It took Brien 11 months to land his first client, but he kept learning and eventually hit his goal of $6,000 a month. A handful of clients on retainer adds up fast!

Local service businesses are a great place to find your first clients, since a few new jobs can easily cover your fee. Here’s what that looks like in action.

4. Promote Your Local Service Business

Followers needed: None, just a local audience

Instagram can be a powerful marketing tool for a local business, even if you’re starting from zero.

When knocking on doors wasn’t working, college student Jack Leimbach turned to Instagram for his window washing business. He spent just $600 on hyper-local ads with a personal touch: “Hey, Auburn… there’s an epidemic of dirty windows in Auburn.”

The ads brought a flood of messages and a schedule full of jobs. When we covered his story, the business was bringing in $10,000 a month.

You don’t have to run ads, either. Tayo Lanlehin started an Instagram page to rent out kid-sized tables and chairs she stored in her basement. Four years later, it had grown into a $295,000 kids party rental business.

Post before-and-after photos, short videos of you at work, and happy customer reviews. Then make it easy to book with a clear call to action, like Jack’s “Send me a message for a quote.”

5. Sell Your Own Products

Followers needed: Helpful, but you can grow as you go

Instagram is a visual platform, so it’s a natural fit for products that look good in photos and videos.

Jenn Fei uses Instagram as the main marketing channel for her custom cookies. She charges $50+ per dozen and routinely sells out within minutes of a new release. 

Charlotte Liebling went even bigger with Loved Before, her secondhand stuffed toy business. Each toy gets its own name and backstory, and she shares “spa day” videos showing the cleaning process. Loved Before has grown to 200,000+ Instagram followers with zero marketing spend.

lovedbefore london

Before selling anything, Charlotte started a separate Instagram account just to test whether people connected with the idea. That’s a smart, free way to validate a product before you invest in it.

6. Sell Digital Products

Followers needed: Helpful, but not required

Digital products like printables, planners, templates, and guides are a great fit for Instagram since there’s no inventory and you can sell the same file over and over.

Use your posts to show the product in action, then send people to your Etsy shop or a link-in-bio storefront like Stan.

If you’re a designer, you can also sell Canva templates made for Instagram, like post templates, Reel covers, and story highlight icons. Other creators and small businesses buy them to save time.

Want to start on Etsy? Here’s how to sell printables on Etsy, plus why mini digital products make a great first offer.


Etsy Printables

Create something once, sell it over and over again on autopilot. That’s the dream of a printable digital product business.

This free guide to seasonal product ideas will get your creative juices flowing on what you could sell.

7. Build a Faceless Niche Account

Followers needed: None to start

Don’t want to show your face? You don’t have to.

Plenty of Instagram accounts are built around a topic instead of a personality, like recipes, home organization, travel tips, product reviews, or how-to videos where only your hands are on screen.

Once your account grows, you can make money from it with affiliate links, digital products, or brand deals. The same idea works on YouTube, where faceless YouTube channels can earn $10,000+ a month.

8. Land Brand Deals and Sponsored Posts

Followers needed: About 1,000+

Brand deals are what most people picture when they think of making money on Instagram: a company pays you to feature its product in a post, Reel, or Story.

How much can you make? Here are the typical rates from Later’s 2026 influencer pricing benchmarks:

  • Nano creators (1,000 to 10,000 followers): $100 to $300 per feed post and $200 to $500 per Reel
  • Micro creators (10,000 to 100,000 followers): $500 to $1,500 per feed post and $800 to $2,500 per Reel
  • Macro creators (100,000 to 1 million followers): $2,500 to $10,000+

The good news is follower count isn’t everything. Brand deal expert Justin Moore says brands care more about reaching the right audience, which is how creators land brand deals with a small audience.

His tips for finding your first partners:

  • Look for existing partnerships. Check other creators in your niche for #sponsored or #ad posts to see which brands already pay for content.
  • Survey your audience. Ask what products they use, then pitch the brands that come up most.
  • Find the decision maker. Search Google for the brand name, a job title like “influencer marketing manager,” and “LinkedIn.”

You can also join Instagram’s Creator Marketplace from your professional dashboard so brands can find you and send partnership offers. You’ll need a creator or business account and be at least 18.

At the bigger end, Side Hustle Show guest Alan Donegan’s brother grew his triplets’ Instagram account to 400,000 followers, and now hotels and brands pay for sponsored trips and content.

Just be sure to label sponsored posts with Instagram’s “Paid partnership” tag or #ad.

9. Earn Affiliate Commissions

Followers needed: Fewer than you’d think

With affiliate marketing, you earn a commission when someone buys a product through your link.

The Amazon Influencer Program is one of the easiest places to start. You apply with your social media accounts, including Instagram, and there’s no official follower minimum. Amazon influencer coach Nate Jackson says he’s seen people get approved with as few as 3 followers!

amazon-influencer-program

Once you’re in, you get your own Amazon storefront to share, and you can earn commissions on product review videos that show up right on Amazon’s product pages. Nate went from a brand-new account to earning up to $20,000 a month with the Amazon Influencer Program.

Plenty of other brands run their own affiliate programs, especially in fashion, beauty, fitness, and software. Here’s my guide to affiliate marketing for beginners.

One catch is that Instagram doesn’t make links in captions clickable. That’s why many creators use ManyChat to automatically DM a link to anyone who comments a keyword like “LINK.”

10. Sell a Membership or Online Course

Followers needed: Helpful, but you can grow as you go

If you have expertise or a unique idea people want, Instagram can feed a course, coaching program, or membership. This is where some of the biggest incomes on this list come from.

Cheyenne from Domestic Daydreams set up her public domain podcast membership in a single weekend on Kajabi. Then she started a dedicated Instagram account and posted a Reel every day. Within a month, the account had 25,000 followers!

Members pay $25 a month or $45 a quarter for private podcast episodes that mix old radio shows with cleaning routines. Within about a month, the membership was covering all her expenses, including her mortgage.

Katherine O’Brien took a different route. After building a successful ice cream bike business, she launched Bike Business University to teach others how to do the same. 

ice cream bike lady

When we covered her story, her @icecreambikelady account had 82,000 followers, and the course was averaging $20,000 a month.

Not sure which model fits you? Here’s a breakdown of memberships vs. online courses.

11. Turn On Instagram Subscriptions

Followers needed: Usually 10,000+

Instagram Subscriptions let your followers pay a monthly fee for subscriber-only content like Reels, Stories, and live videos, plus a badge next to their name.

Instagram creators page showing Subscriptions, Gifts, and Badges

You’ll need a professional account, be at least 18, and live in an eligible country. The most common follower requirement is 10,000+, according to Influencer Marketing Hub, and you can set your price anywhere from $0.99 to $99.99 a month.

Instagram currently doesn’t take a platform fee, but Apple and Google charge app store fees of about 30% on in-app subscriptions.

So how much can you make? If 100 followers subscribe at $4.99 a month, that’s about $500 a month before fees. It works best when you already have loyal fans who want more from you.

12. Collect Gifts, Badges, and Bonuses

Followers needed: Varies

Instagram has a few more built-in ways to earn, listed on its creator earnings page:

  • Gifts: Fans buy “stars” to send you on your Reels, and you get $0.01 per star. So 500 stars is worth $5.
  • Badges: Viewers can buy badges during your live videos to show their support.
  • Bonuses: Invite-only payments based on how your Reels, carousels, and photo posts perform.

Meta also runs a Breakthrough Bonus for U.S. creators who haven’t made money on Instagram or Facebook before. It pays up to $5,000 in bonuses during your first 90 days, and creators with 20,000+ followers on another app get priority.

Meta Breakthrough bonus program page offering up to $5,000 in bonuses

Just don’t count on these as your main income. Instagram’s old Reels Play bonus went away in most markets in 2023, and programs like these can change anytime.

13. Build Your Email List

Followers needed: Any

This last one isn’t a way to get paid directly, but it might be the most important item on the list.

You don’t own your Instagram followers. One algorithm change or hacked account can wipe out your reach overnight, so it’s smart to move fans to an email list you control.

Ryan Sneddon learned this lesson with Naptown Scoop, his local newsletter business. He had 22,000 Instagram followers, more than his 18,400 email subscribers. But in the year before we spoke, Instagram brought in only about $3,000, while the newsletter made around $170,000!

That’s why Cheyenne sends every Instagram post to a free lead magnet instead of straight to her sales page. When someone comments a keyword, ManyChat DMs them the opt-in link, and her list has grown to about 30,000 subscribers in two years.

You can start a list for free with Kit. Here are more ways to build your email list fast.

How to Grow an Instagram Account That Makes Money

The creators above didn’t go viral by luck. Here’s what worked for them:

  • Pick a niche. Brands pay more to reach a specific audience, and it’s easier to sell when your followers share the same problem.
  • Post Reels often. Cheyenne posted a Reel every day and found that quantity leads to quality. Some posts she threw together went viral, while others she spent a week on flopped.
  • Tell stories instead of selling. Charlotte’s toys each have a name and backstory, which turns her posts into something people want to follow.
  • Look outside your niche for ideas. Cheyenne saves video formats she likes from other niches, so her content doesn’t look like her competitors’.
  • End every post with a next step. Ask people to comment a keyword for a freebie, message you for a quote, or tap the link in your bio.

Serious About Making More Money?

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Frequently Asked Questions

How many followers do you need to make money on Instagram?

You don’t need any followers for UGC, social media management, running ads for businesses, or promoting a local service, since you’re not selling access to an audience. For brand deals, about 1,000 followers in a clear niche is enough to start, while Instagram Subscriptions usually require 10,000+.

Does Instagram pay you for views?

Not for most creators. Instagram doesn’t have an open, per-view payout program like YouTube’s ad revenue share. Instead, it offers invite-only bonuses based on how your posts perform, plus Gifts, where fans send you stars worth $0.01 each.

How much do Instagram influencers make?

It depends on your audience size and niche. According to Later, nano creators with 1,000 to 10,000 followers typically earn $100 to $500 per sponsored post or Reel, micro creators with 10,000 to 100,000 followers earn $500 to $2,500, and bigger accounts can charge $10,000 or more. Many creators earn more from their own products, memberships, and affiliate links than from sponsorships.

Can you make money on Instagram without showing your face?

Yes. You can create product-only UGC videos, build a faceless niche account with voiceovers or hands-only videos, or work behind the scenes as a social media manager. Megan Collier earned $3,000 a month from one brand for product-only Reels with no face on camera.

How do you get paid on Instagram?

Brands usually pay you directly for sponsored posts and UGC, often through an invoice or a platform like PayPal. Instagram’s built-in features, like Subscriptions and Gifts, pay out to the payout account you set up in your professional dashboard. Affiliate programs like Amazon pay commissions on their own schedule.

Affiliate Marketing on YouTube: How One Creator Built a $15K/Month Income

Jacob Wade Roadmap Money

Can 100 pieces of content really replace your day job? One YouTuber says yes, and he’s doing it with reviews and tutorials that still pay him months after he hits publish.

Jacob Wade runs Roadmap Money, a personal finance YouTube channel built almost entirely on search traffic and affiliate commissions.

He started by writing about budgeting apps and savings accounts for years, but it wasn’t until he brought that same expertise to YouTube that things clicked.

One video, “best budgeting apps of 2024,” started pulling in daily search traffic.

Nine months ago he had around 7,000 subscribers. Today he’s closing in on 25,000, with some months topping $15,000 from the channel.

Tune in to Episode 768 of the Side Hustle Show to learn:

  • how to apply a “hub and spoke” content model to YouTube SEO
  • how to pick keywords and topics as a small, low-authority channel
  • how to turn viewers into affiliate conversions with QR codes and smart calls to action

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Is YouTube SEO Still Alive?

Despite plenty of “SEO is dead” takes, Jacob built his entire channel on the idea that YouTube SEO still works.

When he checked analytics on that early budgeting apps video, over 75% of viewers arrived by searching specific terms, the same way people search Google for answers to home repair or finance questions.

People ask YouTube questions just like they ask a search engine (whether it’s how to fix a sink or which budgeting app to use), which means well-targeted video content can rank and convert the same way a blog post used to.

How the Hub-and-Spoke Model Works on YouTube

Jacob borrowed the old blogging “hub and spoke” model directly.

The hub is a big roundup video, something like a best budgeting apps roundup covering six apps. Each of those six then gets its own individual review video, or “spoke.”

Viewers who want more detail click through to the individual review; as an affiliate marketer, that’s one more step toward a conversion.

He links these together deliberately now, something he admits he missed early on. A tip from fellow YouTuber Denis Trufin of Tru Financials pushed him to always point viewers to a related next video at the end of each piece, teasing it on screen rather than just ending cold.

That does two things:

  • It tells YouTube which videos are related, so the algorithm recommends them together.
  • It boosts watch time per viewer, which YouTube rewards because it keeps people on the platform.

How to Pick Keywords When You’re a Small Channel

Jacob treats YouTube Analytics as a map of where he already has authority. When the 2024 budgeting apps video took off, he made a 2025 version, and it did even better.

He read that as YouTube saying, “We like you for this.” Next came individual app reviews, from highest search volume to lowest, then comparisons.

To check search volume, he uses the vidIQ plugin (Pro plan) for YouTube volume and competition. He uses Keyword Surfer for Google search volume.

Today, he likes at least a couple thousand searches a month. Starting out, he couldn’t rank for those. So he targeted keywords with 500 to 1,000 searches a month that bigger channels ignored, like comparisons involving a less popular app.

Those views don’t need to go viral. Some of Jacob’s best-paying videos have under 10,000 views but earn more than $1 per view, because the viewers are ready to buy. Compare that to roughly $4 to $25 per 1,000 views from AdSense.

What Goes Into the Research and Scripting Process

Jacob hunts for “outlier” videos, vidIQ’s term for videos that outperform their channel’s size. Think of a 5,000-subscriber channel with a 50,000-view video. That’s proof a smaller channel can compete.

His research process:

  • Search the topic in a browser where he’s not logged in (Safari, for him) to see neutral, unpersonalized results
  • Compare a big channel’s video against a smaller outlier to see what each did differently
  • Mine the comments for unanswered questions, which become must-cover points in his script

For products he’s actually used, he leans on real-world experience, since that’s where he believes a channel earns genuine ranking authority.

He outlines with ChatGPT or Claude, writes everything in a Google Doc, and reads intros and outros from a teleprompter, while demo segments stay more off-the-cuff with bullet points.

Why Credibility Has to Come Early

According to Jacob, YouTube has two lanes: search videos and everything else. Search videos don’t need MrBeast-style hooks. Just tell viewers what they’ll get, like: “I’ve reviewed 29 different savings accounts that claim to pay over 4%, but there really only are 5 that are worth your time.”

Right after the hook, he lays out his credentials. He’s a money coach for high earners who want to retire early. He’s helped people budget since 2007 and has tested every app in the video with his own data for 3 years.

As he put it, “that level of authority cannot be duplicated.”

Non-search videos get a bigger promise up front. One example: investing $10,000 in Fidelity ETFs could grow to over $6 million by retirement. Then he walks back through how.

How Affiliate Links and Calls to Action Actually Convert

Jacob routes every link, affiliate or not, through his own Roadmap Money tracking links so he can show brands real traffic numbers even before an official partnership exists.

That data became leverage: he showed Rocket Money a year’s worth of free referral traffic before they agreed to a formal partnership.

One surprising discovery: over 30% of his viewers watch on TV screens, which pushed him to lead with QR codes instead of relying on description links.

Conversions “skyrocketed” once he started displaying a QR code on screen at the beginning, sometimes the middle, and again at the end of videos.

Description links and a pinned comment come second. He lists products in search-volume order and highlights deals, like Monarch’s 50% off code or Quicken Simplifi’s free trial and discount.

Some partners offer exclusive deals, like a 60-day trial instead of 30 through his link. He’s upfront that viewers can also go direct. His pros and cons stay honest whether a brand pays him or not.

How to Get Into (and Negotiate) Affiliate Programs

Jacob’s advice for landing partnerships:

  • find out if your niche even has affiliate programs
  • apply even with no traffic yet
  • and expect some doors to go quiet

For smaller or informal programs, tools like Pretty Links can track clicks you’re already sending, giving you leverage to approach a brand directly once you’ve built up some volume.

Once you’re in, prove your traffic quality. Impact.com shows click and conversion rates. If 50% of your free-trial signups convert to paid, that’s leverage for a higher rate, especially paired with a plan for more content about the brand.

Stair-step it. One program took Jacob 2 years to reach its top rate. Others raised his commission without him asking.

Why He’s “All In” on One Platform

Jacob has tried Instagram, TikTok, and building an email list, spending over a year on social media efforts with his wife and roughly half a decade trying to grow an email list that now sits mostly unopened at over 10,000 subscribers.

None of it matched the return he gets from YouTube. Focusing entirely on YouTube over the last 12 months more than doubled his revenue, even though he acknowledges the platform risk of relying on a single channel.

Coast FIRE Calculator by Roadmap Money

He does maintain one email funnel tied to a Coast FIRE calculator and financial independence content, which feeds a small coaching offer, but it’s a minor piece next to YouTube.

Does AdSense Still Matter?

Jacob keeps AdSense turned on alongside affiliate links. Review and comparison videos tend to carry higher RPMs because competing brands bid on that ad space.

He estimates AdSense currently brings in around $3,000 a month, a meaningful but secondary piece of his revenue compared to affiliate income.

Why He Doesn’t Notify Subscribers About Search Videos

Here’s a counterintuitive tactic, also from Denis. When Jacob publishes a search-based review, he unchecks the box that notifies subscribers.

People subscribe because one video helped them, not because they want every app review. Search videos start slow, maybe 90 views on day one. YouTube then gradually shows them to the right searchers.

General-interest videos, like his Coast FIRE journey or ETF portfolio content, still go out to all subscribers.

Tools/Tech

What’s Next for Jacob?

Jacob is ramping up content ahead of Q1, which he calls “the Super Bowl of personal finance on YouTube.”

His goal is to reach 100,000 subscribers in the next couple of years, partly so his kids will consider him a “legit YouTuber.”

He plans to keep publishing reviews and comparisons while continuing to lean into the ETF and investing content that’s been driving recent growth.

Jacob’s #1 Tip for Side Hustle Nation

“Just be consistent, persistent… give it 6 months to a year of just, I’m gonna do this thing and I’m gonna serve people and be helpful, and then see what happens.”

Episode Links

Looking for More Side Hustle Help?

side hustle show cover art

The award-winning Side Hustle Show is the #1 side hustle podcast
with over 1,300 5-star ratings!

5-star rating

Listen in your favorite podcast app or directly in your browser.

listen on spotify
listen on overcast listen on podbean