If your YouTube Premium is $14 a month, you would need about $3,400 invested at a 5% yield for your investments to pay for it. At 3% it is ~$5,600, and at 7% ~$2,400. That $14 is an example. Plans and prices change, so use your own bill.
Amount needed at different yields
| Yield you assume | Invested to pay $14 a month |
|---|---|
| 3% | $5,600 |
| 4% | $4,200 |
| 5% | $3,400 |
| 6% | $2,800 |
| 7% | $2,400 |
Rounded. For an example YouTube Premium of $14 a month, before taxes. Illustrations at fixed yields, not predictions.
Why your YouTube Premium makes a good milestone
Ad-free video is the kind of small luxury people cancel first when money gets tight. Having your investments cover it means you never have to make that call.
How people get there
- Invest a set amount every month. Steady beats perfect. Small amounts add up over years. See Why Starting to Invest Early Matters.
- Spread it across different kinds of investments. Income that comes from several places does not depend on one bet. See What Is Diversification?
- Put payouts back to work. When dividends land as cash, investing them in next month's plan helps your income grow faster.
- Count milestones, not daily prices. Prices move every day. Progress toward covering a real cost is easier to stick with.
Where it sits on the path
~Invested needed at a 5% yield.
Questions people ask
How much do I need invested to cover my YouTube Premium?
Multiply the monthly cost by 12 and divide by the yield. For an example YouTube Premium of $14 a month, that is ~$5,600 at a 3% yield, ~$3,400 at 5% and ~$2,400 at 7%, before taxes.
Do I have to use the payouts to pay my YouTube Premium?
No. The cost is a way to measure progress, not a spending plan. You keep paying your bills the way you always have. Payouts can land in your brokerage account as cash and go back to work, so your income keeps growing.
What yield should I use?
Use a yield that matches what you own or plan to own. Broad stock index funds tend to pay about 1 to 2%, dividend funds about 2 to 4%, real estate funds about 3 to 5%, and higher yield income funds 6% or more. Higher yields usually come with more risk, and no yield is promised.
For education only and not personalized investment advice. Figures are hypothetical illustrations at the yields shown, before taxes and fees, and are not a prediction or a promise of results. Example costs are not your actual bills. All investing involves risk, including the possible loss of principal. Want to try other numbers? Use the dividend income calculator.