AI Finance Video Generator

Cartoon Explainer, the default here, draws every line as a bold, expressive cartoon, which turns a money mechanism into a small story: a borrower, a lender and a balance that keeps growing. It suits everyday decisions such as credit cards, renting versus buying or a 'buy now, pay later' plan. The AI plans recurring characters, a shared setting and a palette before any image is drawn; small details can still slip, so describe your main character once near the start of the script. A video typically costs about 25 credits.

Whiteboard draws marker doodles on white, the look of a lesson. It suits a calculation walked through one step per scene: compound interest, what inflation does to cash, how interest piles up on a loan. A doodled chart reads as a sketch, not as data. About 25 credits.

Stick Figures, hand-drawn doodle characters, is the book-summary explainer look: the main idea of one money book, or one habit, explained with a straight face and a little humour. About 25 credits.

Miniature World renders each scene as a tilt-shift toy diorama, which makes big systems easy to follow: an interest-rate decision travelling from the central bank to a town's banks and shops, or money moving through an economy. About 25 credits.

Documentary stock footage is the cheapest, at about 12 credits a video: real clips of banks, offices, shops and city streets, licensed for commercial use with nothing to attribute. It shows money in general, not a particular bank or a chart of your numbers. Mixed, which combines footage and AI images, typically costs about 14.

Cartoon Explainer, Whiteboard, Stick Figures and Miniature World can also turn each image into a short AI video clip. At about 464 credits a video, keep that for a flagship explainer rather than the daily post. Photoreal looks such as Cinematic or AI Images are a weaker fit here: realistic AI scenes of cash, banks or trading floors invite the question of what's real, and bring YouTube's AI disclosure into play (see below).

"How a credit card charges interest, for someone with a first card: the grace period, the APR, and why paying only the minimum keeps a balance alive for years. One dated fact: US bank card accounts charged interest averaged about 22% APR in August 2026 (Federal Reserve). Cartoon Explainer look, friendly narrator, no card brands. End on the statement box that shows how long minimum payments take."

"What inflation does to cash, worked on a whiteboard: US consumer prices rose 3.7% in the 12 months to September 2026 (Bureau of Labor Statistics). Show $1,000 kept in a drawer that year: it now buys what about $964 bought a year earlier. Then explain the real interest rate, roughly a savings rate minus inflation. Calm teacher voice, no bank names, end on checking your own account's rate."

"How a Fed decision reaches a toy town: on September 16, 2026, the Federal Reserve raised its target range for the federal funds rate to 3.75% to 4%. Follow it from the central bank to the town's banks, then to a credit card, a car loan and a savings account. Miniature World look, curious narrator, explain the chain step by step and don't predict what the Fed does next."

Each fits the 400-character limit of the box above, and each figure is dated and comes from the official source named in it. Before you use one, check that source for a newer number, and keep the date in the narration: a dated figure stays true after the next release.

Education explains how something works for anyone watching; personal advice tells one viewer what to do with their money. 'Here's how a card's grace period works' is education. 'Put your savings in this fund' is advice, and advising people on investments for pay is a registered job: in the US, investment advisers generally must register with the SEC or a state securities regulator. An AI narrator has no registration and knows nothing about the viewer's debts, income or goals, so it explains, compares and shows the trade-offs, and the decision stays with the person watching.

Every number needs a source and a date. Take card and policy rates from the Federal Reserve, inflation from the Bureau of Labor Statistics or your own country's statistics office, and say the date in the narration: 'in the 12 months to September 2026'. 'Right now' goes stale with the next release; a dated figure stays true. When a figure is an assumption, such as a yearly return in a compound-interest example, the narrator says it's an assumption.

Never promise a return: no 'guaranteed', no 'you will get rich', no 'this will double your money'. Nobody can know it, and it's what scam content sounds like; YouTube and TikTok both name 'get-rich-quick' schemes in their scam rules below. Say what a choice costs, what it risks and when it doesn't fit, and let the numbers make the point.

Keep the narrator a narrator. No name with a title, no 'as a financial adviser', no 'my clients', no story about the stocks it picked: read the draft for any line where the voice speaks as an expert, and cut it. End on something viewers can check for themselves, such as the APR on their own statement or the rate on their savings account, never on what to buy.

YouTube's monetisation policies include 'AI Personas Related to Sensitive Topics'. It covers 'channels that use AI-generated personas to deliver information on sensitive topics', including 'any content that presents itself as a human expert providing advice to viewers on topics such as health, legal issues, finances, or politics', and says 'channels uploading this content will not be allowed to monetize'. One of its examples is 'AI-generated podcast hosts offering financial guidance, investment tips, or wealth management advice'.

For an AI narrator, the line not to cross is 'I'm a financial adviser' in an AI voice, followed by what to buy: that is the persona the policy describes, and the penalty falls on the channel, not one video. YouTube doesn't define 'persona' further, so give the narrator no expert identity at all: no name with a title, no credentials, no tips. A voice that explains how card interest works and names its sources is a narrator, not an adviser.

YouTube's spam policy lists, under scams, 'promoting "get rich quick" investment schemes'; breaking it can mean removal, a strike, suspended monetisation or a terminated channel. The same policy covers 'automated or synthetic mass-production', using AI 'to churn out high volumes of similar content with minimal changes', and its example is a channel with 'the exact same background music and repetitive AI generated imagery across many videos, with each video reading out an AI-generated script'. A daily money series stays clear of that only if each episode answers a different question with its own numbers. Its impersonation policy also bans 'using AI to make it look like a famous person is willfully participating in your video or endorsing a product', so never put a real investor, banker or celebrity in a scene.

TikTok's Community Guidelines don't allow 'financial scams, such as fake investment offers or "get-rich-quick" schemes', or multi-level marketing, and don't allow marketing 'high-risk financial services', which they define as products or activities 'involving the management of money and other financial assets that are predatory, contain extreme risks, or lack transparency'. 'Financial education and information about financial products and services' is on their allowed list, which is where these videos belong. Even with a label, TikTok doesn't allow AI content that shows fake authoritative sources or public figures falsely making an endorsement, so never dress a video up as an announcement from a bank, a central bank or a government agency.

If a video promotes something you're paid for, declare it. YouTube's branded content policy covers 'any content on YouTube influenced by a brand partner in exchange for something of value', 'whether you receive the benefit now or later on', and requires its paid promotion declaration; for videos ShortFast posts for you, it's in each video's details in YouTube Studio. Financial services are on YouTube's list of restricted categories, so you're responsible for confirming the brand is certified by Google where that's needed. TikTok counts affiliate links and promo codes as branded content, which needs its content disclosure setting. Its Branded Content Policy bans branded content for payday loans, pyramid schemes and 'get-rich-quick' schemes, shows branded content for loans, credit cards, insurance and investment services only to adults in the market it was posted in, such as the US or the UK, and doesn't allow it in others, such as Ireland or the Netherlands. A sponsored video is simplest to download and post yourself, with both disclosures set.

For AI labels, the look decides. YouTube asks you to disclose AI content that looks realistic and shows a real person doing or saying something they didn't, alters footage of a real event or place, or generates a realistic scene that didn't happen; 'making it appear as if someone gave advice that they did not actually give' is one of its examples. You answer Yes under 'AI use' when you upload; for videos ShortFast posts for you, the setting is in YouTube Studio. Cartoon, whiteboard and stick-figure scenes are plainly not footage, YouTube's examples that need no disclosure include animation and AI help with the script or captions, and it says disclosing alone won't limit a video's audience or its eligibility to earn money. With a photoreal look such as Cinematic or AI Images, answer Yes.

TikTok requires a label on AI-generated content containing realistic images, audio or video, and encourages one on anything completely generated or significantly edited by AI. These videos are made with AI from script to voice, which TikTok encourages creators to label, so turn on its AI-generated content setting when you post; TikTok says the setting won't affect distribution. Finally, a cartoon look doesn't make a money video made for kids: YouTube lists cartoon figures among its factors, but says content intended for a teen or older audience is general audience and 'should be set as "not made for kids"'. Set that once for the whole channel in YouTube Studio, under Settings, Channel, Advanced settings.

It has no live data. ShortFast doesn't pull prices, rates or tickers, and it doesn't draw charts from your numbers. Every figure in a video comes from your script or the AI draft, and a draft's figures can be wrong or out of date, so take each one from its source on the day you make the video.

AI images get numbers wrong. Ask for a chart and a scene can come back with an axis that means nothing, a banknote with garbled text or a price tag that doesn't match the script. Keep the figures in the narration, where the captions show them word by word, and swap any scene with a wrong number for another image or one you upload. The only text ShortFast adds is the captions: no tables, labels or callouts, so say the comparison instead of showing it.

It doesn't check figures. Nothing in ShortFast verifies a rate, a date or a sum, whether you paste the script or it writes one. That includes the episodes an automation writes for a series, and there's no approval step: for money videos, choose email delivery and check each episode before you post it.

The narration is fixed once rendered. You can edit captions, swap scenes, change music, title and post text and re-render, but a wrong figure in the narration means generating again. In a series, the next two episodes are queued: you can edit their captions, scenes and post text, re-time or delete one, but not change its script.

None of these channels use ShortFast; they show what faceless money explainers look like. The Swedish Investor summarises investing and money books, such as Howard Marks's The Most Important Thing and Darren Hardy's The Compound Effect, in a whiteboard look: a hand with a marker writes the key words on white beside cut-out photos. One Minute Economics explains one economics or investing idea per video in flat cartoon animation, with titles such as 'The Gini Coefficient Explained in One Minute'. PolyMatter narrates how money systems work, as in 'How America's 4,488 Banks Work', over footage, aerial maps and motion graphics that put the key numbers on screen. How Money Works narrates money and economics stories over news footage and photo-collage scenes, with figures such as interest rates added as labels.

What they share is one question per video and numbers that carry the argument. On-screen labels, maps and motion graphics like theirs aren't something ShortFast adds: in your videos, the numbers go in the narration and the captions. The question and the numbers are the part to copy; the scenes, the voice and the captions are the part ShortFast handles.