65 Personal Finance Video Ideas for YouTube & Reels (2026)

Finance content consistently has the highest RPM (revenue per 1,000 views) on YouTube — ₹50-200 RPM in India compared to ₹5-15 for entertainment. This is because financial advertisers pay premium rates to reach people interested in money.

The opportunity:
- Finance YouTube channels earn ₹50-200 per 1,000 views in India (vs ₹5-15 average)
- Financial brands pay ₹50,000-₹5,00,000 per sponsored video
- Affiliate commissions from demat accounts, credit cards, and insurance are ₹500-₹5,000 per lead
- Even small finance channels (10K subscribers) can earn ₹50,000+ per month from affiliate alone

Investing Basics (1-15)
1. "How to invest ₹500/month and retire rich"
2. "SIP vs lump sum — which builds more wealth?"
3. "Index funds explained in 60 seconds"
4. "The biggest investing mistake 90% of Indians make"
5. "How compound interest turns ₹5,000/month into ₹1 crore"
6. "Mutual funds for beginners — start with ₹100"
7. "Gold vs FD vs stocks — 10 year comparison"
8. "3 investments every 25-year-old should make"
9. "How I pick stocks (my actual process)"
10. "Why your savings account is losing you money"
11. "NPS vs PPF vs ELSS — which is best for tax saving?"
12. "Real estate vs stock market — honest comparison"
13. "How to start investing with zero knowledge"
14. "The 50-30-20 budget rule explained"
15. "What happens if you invest ₹1,000/day for 10 years"

Saving & Budgeting (16-30)
16. "How I save ₹20,000/month on a ₹40,000 salary"
17. "Money-saving hacks that actually work in India"
18. "The envelope budgeting method — visual guide"
19. "5 subscriptions you should cancel today"
20. "How to build a 6-month emergency fund"
21. "₹100 challenge — save ₹1 lakh in one year"
22. "Bills I refuse to pay full price for"
23. "How to negotiate your salary (actual script)"
24. "Automate your savings — set it and forget it"
25. "Lifestyle inflation — the silent wealth killer"
26. "Cashback and reward hacks for everyday shopping"
27. "My monthly budget breakdown — transparent view"
28. "How to track expenses without being obsessive"
29. "The latte factor — small spends that add up to lakhs"
30. "Zero-based budgeting for beginners"

Money Psychology (31-45)
31. "Why you feel broke even with a good salary"
32. "Rich habits vs poor habits — the real difference"
33. "The emotional spending trap and how to escape"
34. "Money lessons from middle-class Indian families"
35. "Why I stopped trying to impress people with money"
36. "Financial red flags in your 20s"
37. "How much money is 'enough'?"
38. "The true cost of keeping up with friends"
39. "5 money beliefs that keep you poor"
40. "How I went from debt to saving ₹50K/month"
41. "The psychology behind impulse buying"
42. "Why most people stay broke (hard truth)"
43. "Money conversations every couple should have"
44. "Financial independence — what it actually looks like"
45. "The hedonic treadmill — why more money doesn't mean more happiness"

Taxes & Practical (46-65)
46. "Save tax legally — 5 methods most people miss"
47. "New vs old tax regime — which saves more?"
48. "How to file ITR yourself (step-by-step)"
49. "HRA tax exemption — the calculation most people get wrong"
50. "Insurance you need vs insurance that's a scam"
51. "Term insurance explained in 60 seconds"
52. "Credit card mistakes that destroy your CIBIL score"
53. "How EMIs actually cost you — the hidden math"
54. "Home loan tips that save you ₹10 lakhs"
55. "Best credit cards for different spending habits"
56. "What to do with your first salary"
57. "Financial checklist before turning 30"
58. "How to read a mutual fund factsheet"
59. "UPI scams to watch out for"
60. "Health insurance — what your employer policy doesn't cover"
61. "How inflation eats your savings — visual explainer"
62. "Side income ideas that actually pay in India"
63. "How to financially prepare for a baby"
64. "Retirement planning if you're starting late"
65. "The complete money checklist for fresh graduates"

Finance is one of the best niches for AI-generated content because most finance videos don't require showing your face:

1. Explainer Shorts — Use FluxNote to create "SIP vs Lump Sum" explainers with animated text, stock visuals, and professional voiceover
2. Money fact compilations — Generate "5 things rich people do differently" with engaging AI visuals
3. Calculator-style Shorts — "What happens if you invest ₹5,000/month for 20 years" with visual breakdowns
4. News commentary — Create quick takes on budget announcements, RBI rate changes using AI narration

Finance content works exceptionally well as faceless because viewers care about the information, not who's presenting it.

Finance requires more trust than entertainment niches. Build credibility:

- Always cite sources — mention SEBI data, RBI reports, or mutual fund factsheets
- Show real calculations — use actual numbers, not vague promises
- Be transparent about risks — "past returns don't guarantee future results" builds trust
- Add disclaimers — legally important and shows professionalism
- Share your own journey — "how I invested ₹10K/month for 3 years" is relatable and trustworthy
- Avoid clickbait — finance audiences punish exaggerated claims faster than any other niche