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 #6: MidJourney — Sell AI Art and Make Real Money
MidJourney is the gold standard of AI image generation in 2025, producing breathtakingly realistic and artistic images from simple text prompts. You don't need to draw, paint, or know anything about graphic design. If you can describe an image in words, MidJourney can create it — and people will pay for it.
The AI art monetization market has matured significantly. Beyond the initial NFT craze, there are now multiple sustainable income streams for MidJourney artists: print-on-demand products, stock image licensing, client illustration work, book cover design, and digital art sales on Etsy, Redbubble, and Creative Market.
Top Ways to Make Money with MidJourney:
- Print-on-demand: Upload AI art to Printful/Printify, sell on Etsy as wall art, phone cases, t-shirts. Passive income of $500–$3,000/month with a good catalog.
- Book covers: Self-published authors on KDP need covers. Charge $50–$300 per cover on Fiverr.
- Stock photos: Sell AI-generated images on Adobe Stock, Shutterstock, and Alamy — earning royalties every time someone downloads your work.
The key to making money with AI art is niching down. Pick a specific style — fantasy characters, minimalist logos, vintage travel posters, architectural concepts — and become known for it. Niche sellers consistently outperform generalists on every marketplace.
Pro Tip: Study the top-selling print-on-demand Etsy shops in your niche before creating. Look at what's selling, what designs are trending, and what search terms buyers use. Then use MidJourney to create superior versions of proven concepts.
Pricing: Basic plan at $10/month (200 images). Standard at $30/month (unlimited relaxed generations).
Best for: Digital artists, Etsy sellers, print-on-demand entrepreneurs, graphic designers, book cover designers.
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