There is no official rate for a sponsored Instagram post. A common starting formula is a base rate per follower set by your niche — roughly $0.011 to $0.030 — adjusted for how your engagement compares to your follower tier, then multiplied up for each deliverable, for paid usage rights and for exclusivity. Book the same work as a monthly retainer and a stepped volume discount of up to 20% applies. What you get is whatever you negotiate.
How the price above is built
The calculator applies a fixed chain of multipliers to one base number and prints every one in the breakdown table, so you can argue with any single step.
ratio = your ER ÷ your tier benchmark
erMult = clamp(1 + (ratio − 1) × 0.5, 0.7, 1.5)
unit = base × erMult × contentMult × usageMult × exclMult × (1 − retainerDiscount)
line = unit × quantity
mid = Σ lines low = mid × 0.75 high = mid × 1.25
contract total = mid × months (retainer mode only)
Each deliverable is priced separately with its own contentMult and quantity; the bundle total is the sum of those lines. The ±25% band is negotiating room, not a confidence interval.
Worked example
24,500 followers, 3.4% engagement, general lifestyle, one Reel plus one feed post, no usage rights or exclusivity, one-off. Base is 24,500 × $0.013 = $318.50. That is micro tier, benchmark 2.5%, so the ratio is 3.4 ÷ 2.5 = 1.36 and erMult = 1.18. The Reel is 318.50 × 1.18 × 1.4 = $526, the feed post $376, and the bundle mid-point $902, band $676 to $1,127 — $0.0368 per follower, a $37 CPM. Book the same two every month for six months and the 10% step applies: $812 a month, $4,870 across the contract.
Base rate by niche
These are the exact USD-per-follower figures in the tool, derived from public CPM ranges reported across creator-marketing coverage. They encode a simple truth: advertisers pay more per head where a customer is worth more.
| Niche | Base rate per follower | Per 10k followers |
|---|---|---|
| Finance / investing | $0.030 | $300 |
| Tech / gadgets | $0.025 | $250 |
| Business / marketing | $0.024 | $240 |
| Health / wellness | $0.022 | $220 |
| Beauty / skincare | $0.020 | $200 |
| Fashion | $0.018 | $180 |
| Parenting / family | $0.017 | $170 |
| Food / cooking | $0.015 | $150 |
| Fitness | $0.015 | $150 |
| Travel | $0.014 | $140 |
| Home / interiors | $0.014 | $140 |
| General / lifestyle | $0.013 | $130 |
| Pets | $0.012 | $120 |
| Gaming | $0.012 | $120 |
| Art / design | $0.011 | $110 |
The base is calibrated so an account sitting exactly on its tier benchmark pays out at 1.0 × base for a single feed post — $0.013 per follower in the general niche, a $13 CPM per 1,000 followers, before any uplift.
The engagement multiplier
Your engagement rate is judged against the benchmark for your follower tier, not against everyone. The tiers match the engagement rate calculator: 4.0% nano, 2.5% micro, 1.8% mid, 1.2% macro.
The multiplier is 1 + (ratio − 1) × 0.5, floored at 0.7 and capped at 1.5. Landing exactly on your benchmark gives ×1.00 — the neutral case the base rate is built around. The ×1.5 cap binds at twice your benchmark (8.0% nano, 5.0% micro, 3.6% mid, 2.4% macro); nothing above adds a cent. The ×0.7 floor binds at 0.4× benchmark and below (1.6%, 1.0%, 0.72%, 0.48%).
| Your ER ÷ tier benchmark | Multiplier | Example ER for a micro account (2.5% benchmark) |
|---|---|---|
| 0.4 or below | ×0.70 (floor) | 1.0% or lower |
| 0.6 | ×0.80 | 1.5% |
| 0.8 | ×0.90 | 2.0% |
| 1.0 | ×1.00 | 2.5% |
| 1.4 | ×1.20 | 3.5% |
| 2.0 or above | ×1.50 (cap) | 5.0% or higher |
An honest limit, stated up front: because the engagement multiplier bottoms out at ×0.70 while the base rate keeps scaling with follower count, this calculator will still quote more for a padded account than for a smaller genuine one. A brand running an audience-quality audit will not.
Deliverables, usage rights and exclusivity
| Factor | Option | Effect |
|---|---|---|
| Deliverable | Reel | ×1.40 |
| Carousel | ×1.15 | |
| Feed post | ×1.00 | |
| UGC only (no post on your grid) | ×0.80 | |
| Story set | ×0.50 | |
| Usage rights | None — organic post only | +0% |
| Whitelisting / paid ads — 30 days | +20% | |
| Whitelisting / paid ads — 90 days | +40% | |
| Perpetual | +100% | |
| Exclusivity | None | +0% |
| Category exclusivity — 30 days | +15% | |
| Category exclusivity — 90 days | +30% |
Usage rights are the line most creators forget to charge for, and the one that costs them the most. “Can we use this in our ads?” turns your face into an advertising asset running to audiences who never followed you, on a budget you will never see. Perpetual doubles the fee because perpetual is genuinely forever — no expiry, no takedown clause, no second payment.
Exclusivity is compensation for lost income: if you cannot work with a competing brand for 90 days, you are declining offers you have not received yet. The 15% and 30% uplifts are modest — if you routinely field multiple offers a month in that category, negotiate higher.
Quantities, not tick boxes
Each deliverable takes a number rather than a checkbox, capped at 60 per line. Real briefs are almost never one of anything, and rolling “three reels and a story set” into one line hides the arithmetic from the brand and from you. Set a quantity to zero to leave a format out; quantities must be whole numbers.
The per-deliverable table shows the unit price and the low, mid and high for each line, plus a bundle total. That is the version to paste into an email — itemised quotes get negotiated on line items, lump sums get negotiated on the whole thing.
Retainer mode and the volume discount
Switch the booking type to monthly retainer and your quantities become per-month quantities. Enter a length from 1 to 24 months; a stepped volume discount applies to every unit price, and the monthly figure is multiplied out across the term.
| Contract length | Discount | Multiplier applied to every unit |
|---|---|---|
| 1 month | 0% — no volume discount | ×1.00 |
| 2–3 months | 5% off | ×0.95 |
| 4–6 months | 10% off | ×0.90 |
| 7–11 months | 15% off | ×0.85 |
| 12 months or more | 20% off (cap) | ×0.80 |
The reasoning is worth knowing, because a brand will ask. A twelve-month commitment is genuinely worth something to you: it removes the pitching, the chasing and the gap months. That certainty is what the discount buys. But it is capped at 20% for an equally solid reason — your cost per deliverable does not fall with volume. Software gets cheaper at scale because copies are free; your time does not.
The results panel prints the monthly mid-point, the contract length, the discount step by name, the total saved against booking month by month, and the contract total. Push past the cap and a bigger discount stops being a volume argument — it is a rate cut, and rate cuts follow you into every future negotiation.
Retainers change the risk, not just the price
A long retainer trades upside for certainty. If your account grows sharply in month three, you are still delivering at a rate set against your month-one follower count. Two fixes: a review clause at six months, or pricing against the followers you expect to have. The calculator prices what you type, so if you take the second, be honest about where that forecast came from.
Your walk-away floor
The floor field is the number below which you would rather say no. It changes nothing in the calculation, only what the tool tells you about the result. Three outcomes:
- The whole range clears your floor. Even the low end is above it, so you can concede on price without regretting the deal.
- Your floor sits inside the range. Your floor, not the calculated low, is now the bottom of what you will discuss — and you should not open anywhere near it.
- The mid-point is below your floor. The tool says so plainly and gives the gap. Neither the calculator nor your floor is wrong: this scope cannot pay for itself at your rate.
In that third case there are three honest options and no clever fourth. Add deliverables or usage until the scope justifies the floor; hold the floor and let the brand walk; or accept that your floor is above what this profile currently commands. Quoting it anyway is legitimate — just know you are quoting a preference, not a derived number.
Reverse mode: what does that budget actually buy?
Brands frequently open with a number rather than a brief. Put it in the budget field and the tool inverts the question, reporting the budget as a percentage of your ask, the dollar gap either way, and a verdict from “clears your opening ask” down to “below your walk-away floor — cut scope or decline”.
Underneath, two tables: what the budget buys if it all went on one format, and your existing mix scaled down until it fits, rounded down so you never over-deliver against the money. If it will not cover a single deliverable, it says so rather than inventing a fractional one.
Matching a low budget by discounting resets your rate for every future negotiation — with that brand and anyone they talk to. Removing deliverables instead keeps your unit price intact and makes the trade explicit: this is what that budget buys.
The rate card
Everything above is assembled into a plain-text rate card you can copy or download as a .txt: scope, itemised deliverables with unit, low, mid and high columns, usage and exclusivity terms in words, the quoted price and range, your floor, the discount step if a retainer applies, and a “how the number was built” trace. It is dated and valid for 30 days — an open-ended quote invites a brand to come back in April with a January price.
One section is a bracketed placeholder for payment terms and replacing it is your job: deposit split, kill fee, revision limit, late-payment terms. A rate card with a visible placeholder in it reads as a template, and a template reads as negotiable.
How to read your result
- Open near the high end. Brands expect to negotiate down; opening at the mid-point means closing below it.
- Adjust for what the tool cannot see. Rush turnaround, travel, paid actors, approval rounds, and any brand asking for revisions “until we’re happy” all deserve their own line.
- Local market matters enormously. These figures are USD and reflect largely US and Western European budgets. Rates in many other markets are a fraction of this for the same audience size.
- Your first paid deal is usually below your calculated rate. That is normal — case studies and screenshots of results are worth real money next time.
What this number does not know
- Whether the brand has the budget. No formula creates money on the other side of the table.
- Where your audience is. 50,000 followers in a country the brand does not ship to is worth almost nothing to them.
- Your conversion history. A creator who can show tracked sales from a past campaign charges multiples of any follower-based formula. This is the single biggest thing that beats it.
- Whether your engagement is real. Agencies run audience-quality audits; an inflated rate that collapses under scrutiny ends the conversation.
- Agency fees, taxes and platform cuts, none of which are in the total.
No platform publishes an official rate table and no brand is obliged to pay these figures. They are starting points derived from public CPM ranges, and their real job is to stop you quoting a number you picked out of the air. For how to build the case around the number, see our guide to Instagram creator pricing, and reading your own analytics for where the inputs come from.
This runs in your browser
No sign-in, no Instagram password, no account connection. Nothing you type or open here is sent to a server — the calculation happens in the page you are looking at. Open your browser’s network tab and watch: after the page loads, there are no further requests.
How much should I charge for a sponsored Instagram post?
A common starting point is your follower count times a niche base rate of roughly $0.011 to $0.030 per follower, adjusted for how your engagement compares to your follower tier and multiplied up for format, quantity, usage rights and exclusivity. There is no official rate — the final number is whatever you negotiate.
What discount should I give for a monthly retainer?
This calculator uses a published stepped table: 0% for a single month, 5% for 2–3 months, 10% for 4–6, 15% for 7–11, and 20% for 12 or more, which is the cap. The cap exists because your production cost per deliverable does not fall with volume — a reel takes the same day to make in month eleven as in month one.
What are usage rights and why do they cost extra?
Usage rights let the brand run your content as paid advertising rather than resharing it organically. That turns it into an ad asset shown to audiences who never followed you, so it is priced separately: 20% for 30 days, 40% for 90 days, 100% for perpetual.
Why is a Reel priced higher than a feed post?
Reels take more production time and are distributed to non-followers, so they typically deliver more reach. This calculator applies ×1.4 to Reels, ×1.15 to carousels, ×1.0 to feed posts, ×0.8 to UGC with no post on your grid and ×0.5 to a story set.
Does a higher engagement rate always mean a higher rate card?
Up to a point. Sitting exactly on your tier benchmark gives a neutral ×1.0, and the multiplier caps at ×1.5 once you reach twice the benchmark. It is also floored at ×0.7, so weak engagement discounts you only so far — which is why the tool still overprices a padded account relative to a smaller genuine one.
What is a walk-away floor and should I set one?
It is the number below which you would rather decline the work. Setting it changes nothing in the calculation, but the tool then tells you whether your whole range clears it, whether it sits inside the range, or whether the scope cannot pay for itself at your rate. Deciding it before a brand names theirs is the point.
A brand named a budget below my rate. What should I do?
Enter it in the budget field. The tool shows what that money buys at your unit price — either concentrated in one format, or your existing mix scaled down and rounded to whole deliverables. Cutting scope keeps your unit price intact; discounting resets it for every future negotiation, including with anyone that brand talks to.
Should I charge for exclusivity?
Yes, if the brand asks you to turn down competitors. Exclusivity is compensation for income you agree not to earn. This tool adds 15% for 30 days and 30% for 90 days, which is conservative if you regularly receive offers in that category.
Can I send the generated rate card straight to a brand?
Not as it stands. The payment-terms section is a bracketed placeholder you must replace with your own deposit split, kill fee, revision limit and late-payment terms. Everything else — scope, itemised deliverables, usage terms, price and the 30-day validity date — is ready once that block is filled in.
Are these guaranteed market rates?
No. They are negotiation starting points derived from published CPM ranges, not measured market data and not a promise. Rates vary enormously by country, by brand budget and by your own track record, and nobody is obliged to pay them.
What if a brand offers product instead of payment?
Value the product at retail and compare it to your calculated range. Gifting can make sense early on, for products you would have bought anyway, or when you want the case study — but it should be a decision, not a default, and usage rights should never be free.
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