10 AI Tools That Can Make You Money Even If You Have Zero Tech Skills (2026)
Regular people — teachers, retirees, stay-at-home parents — are using these AI tools to earn $1,000–$5,000 extra every month. Here's exactly how.
Let's be honest: most people hear "AI tools to make money" and assume it requires a computer science degree, thousands of dollars, or years of experience. That's completely wrong. In 2026, the best AI tools for small business owners, freelancers, and side hustlers are more beginner-friendly than ever — and many are completely free to start.
In this guide, we'll walk you through 10 powerful AI tools that are helping real people generate real income — even those who have never written a line of code in their lives. Whether you want to start an AI-powered side hustle, grow your small business, or automate your way to more free time, these tools are your shortcut.
Tool #9: Descript — The Podcast & Video Tool Creators Are Monetizing
Descript is the most revolutionary AI audio and video editing tool of 2025 — and it's tailor-made for content creators who want to monetize podcasts, YouTube channels, and online courses without learning complex editing software.
Descript's groundbreaking feature is text-based editing: it transcribes your audio or video automatically, and then you edit the media by simply editing the text — just like a Word document. Delete a sentence in the transcript and that segment disappears from the video. Complete beginners produce professional content within their first hour of use.
How to Make Money with Descript:
- Podcast editing services: Podcasters hate editing. Charge $100–$400 per episode to edit, clean audio, add intros/outros, and deliver a polished final file. Take on 5 clients and earn $2,000–$6,000/month part-time.
- Online course creation: Use Descript to record and edit your own course, then sell on Teachable or Udemy. AI tools courses are selling consistently for $97–$497.
Descript also includes Overdub — an AI voice cloning feature that regenerates words in your own voice if you make a mistake, eliminating the need for re-recording. For content creators monetizing through YouTube AdSense and sponsorships, this dramatically speeds up production and increases publishing consistency.
Pro Tip: Offer a "podcast launch package" to new podcasters: setup, first 3 episodes fully produced and edited, show notes written with ChatGPT, and published to all major platforms. Charge $500–$1,500 as a one-time fee — a high-value service that Descript makes surprisingly fast to deliver.
Pricing: Free plan (1 hour transcription/month). Creator at $24/month. Business at $40/month.
Best for: Podcasters, YouTubers, online course creators, video editors, content agencies.
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