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The Most Passive Online Side Hustle I've Ever Seen Transcript, AI Summary & Key Points

Chris Koerner on The Koerner Office Podcast · Apr 10, 2026 · Education · 15:57 · EN

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00:00 Why is it that the most simple websites seem  to make the most money? Is it because they do one thing really well? Is it because millions of  people are searching for these things and no one else thought to build it? I don't know. But  what I do know is that these simple websites that merely have a quiz, a calculator,  an X, Y, or Z generator have never been easier to build.

00:17 And 2 to 5 years from now,  this won't be an opportunity. But right now, non-coders such as myself can vibe code simple  sites like these, forget about it entirely, and maybe hopefully possibly make hundreds or  thousands or tens of thousands of dollars a month almost perfectly passively. So today, I'm  going to do two things. I'm going to profile a handful of these simple calculator sites  that are now, thanks to AI, very easy to build.

00:42 And the second thing I'm going to do is show  you exactly how to build one in a niche that is likely to be high demand and profitable. And  most importantly, I'm going to show you how to monetize this calculator website. Cuz if you don't  have ads on the site, it will never be monetized. And your downside is a few bucks and a couple  hours of tinkering around.

00:57 So, let's dive in. Let's talk about calculators for a minute.  Not these, but these. Boom. Boom. Boom. Boom. This simple paycheck calculator website  gets over 700,000 unique visitors per month, which if you just host ads on the site and do  nothing else, makes it worth about $1.1 million. And why is it a thing? Because people want to  know how much of their paycheck is actually going to end up in their bank account.

01:27 So they search  paycheck calculator and this guy pops up. Here's a simple calorie calculator. 456,000 organic  visitors a month. So if you just build this thing, put some ads on it, it's worth six figures. And  let me be clear, these things take no work. You don't need employees. You don't even need to  invest more than an hour a week in this once it's built and running.

01:47 Now, I could go on and on,  but we only have so much time today. A compound interest calculator, ovulation calculator,  pregnancy calculator, percentage calculator, mortgage calculator, you get the ideas. And  this is not just a winner take all market. There's a bunch of websites that simply have  mortgage calculators that get thousands and hundreds of thousands and millions of visitors.

02:05 So, I did a little research on how many people are searching for terms on Google or AI with the  word calculator in it. And according to ahrefs, which that's all they do, there's almost 36,000  different keyword clusters that have the word calculator in it. Now, an example of one of those  could just be mortgage calculator, or it could be 15-year mortgage calculator or VA loan mortgage  calculator.

02:26 There's 36,000 of those things with the word calculator in it. And I don't want you to  think that this is done. It's played out. All the best calculators have been built. Absolutely  not. Because new things are being invented, new trends are happening, people and things  are changing, which also means that some of these older calculators don't get much traffic  like they used to.

02:44 That also happens. And guys, no pun intended, but I'm eating my own dog food  here. I have this website that is a directory for pet and horse cremation and euthanasia facilities.  And we added a bunch of calculators, all built with AI, to our website to get more traffic. This  is our pet cremation cost calculator. pet type, pet weight, cremation type, and location.

03:05 This  helps us generate leads that we can sell to veterinarians and horse cremation facilities.  So, I'm actually doing what we're talking about here today. But before I show you how to  build a calculator, I just have to show you the macdaddy of all calculators, and that's the  site Omni Calculator. This dude in Poland wanted to learn how to code, so he thought, I'll build a  calculator so I can learn.

03:23 People started visiting it. It started getting 800 downloads a day, and  then he thought, why don't I put more calculators on this same website? So now he has over 3,700  custom calculators and he gets over 17 million visitors per month. He has 70 employees and  they bring in over $500,000 a month of revenue, most of that profit. Am I saying that's realistic?

03:44 Absolutely not. But it's an awesome example and it's something that we can be inspired  by. So I'm going to build one of these from scratch today. I'm going to use a new AI tool  called Hostinger Horizons and by the end of this video it's going to be on the internet and  hopefully making a little bit of money with ads. So, the first thing you're going to do is go to  hostinger.com/kerner10.

04:01 Looks like that. We're going to click start now. We're going to choose  the starter plan because we're starters. Also, on the starter plan, you get up to 25 websites,  which is important for this business because if one calculator works, we want why not 24 more  calculators. Again, we can build these things in minutes, not hours. We get e-commerce built in.

04:21 We get a free domain name. And we can use it to prompt with both images and voice instead of just  text. So, we're going to go for the 12-month plan. We're going to use code kerner office  to get 10% off. Okay, we're good to go. Remember, the best tool sites, that's what we'll  call these calculator. Best tool sites solve a very specific problem that have high andor growing  search volume.

04:41 How do we know what terms those are? What has good search volume? Okay, so you  can use tools like Semrush and Ahrefs and Chazet, Claude, whatever to find out what some of these  keywords might be. You've got like core keywords like mortgage calculator and then what they call  longtail keywords which in this case would be something like FHA loan mortgage calculator Texas.

05:02 That's a longtail keyword that's obviously going to get fewer searches per month but will also  likely have fewer competitors which is important. The question is where is the supply and demand  imbalance? Which term or terms have more volume but fewer competitors? So what's up and coming  right now? What title waves are happening right now that we could hop on for dear life and build  a calculator around?

05:24 Well, AI, health and fitness, GLP1s, solar, green energy, protein, creatine,  side hustles are growing like crazy right now. Why? Because everyone's afraid, and rightfully  so, that AI is going to steal all our jobs. So, we'll have time for a side hustle and or will  need a side hustle to pay the bills or a full-time business. Obviously, that's the niche I'm going to  go down cuz that's the one I know best.

05:46 And I will say it's important that you choose a niche that  you love and that you know. You don't have to, but it makes your endeavor more scalable, more  sustainable. Whether it is a calculator website or a taco truck, doesn't matter. Now, I think I've  whittleled it down to two finalist of calculators that I want to build. Number one is the side  hustle profit calculator.

06:07 I think more people are going to be searching for that, but I don't want  to guess. I want data to show me. And number two, an AI cost calculator. Because anyone vibe  coding, building apps, doing anything with AI, there are costs associated with it over and above  the flat fees that platforms charge. They're often overages that you have to pay for these tokens.

06:26 In other words, the amount of data you're using when you're prompting these AI tools. It would be  helpful for layman like me to be able to calculate what the cost would be using an AI tool or a vibe  coding app like for example. So, what I'm going to do is go to Google Trends and I'm going to  put these two finalists for my calculator side by side and see which one wins.

06:47 Okay. Well,  that's an easy choice. AI cost calculator over the last 5 years is growing, growing,  growing. And Side Hustle Profit Calculator is not really growing. In fact, there's  very little search volume whatsoever. So, it's an easy decision. Okay. So, I'm going to go  back to Hostinger Horizons and type in my prompt to get this calculator built.

07:06 Here's my prompt.  I want a simple website that will be an AI token cost calculator. It will help vibe coders and  other people wanting to build with AI tools to be able to determine how much they will have  to pay in token usage using any of the popular or obscure AI tools and LLMs out there based  on publicly available token pricing. Make it look clean and simple and easy to use.

07:26 And  don't display the result for the end user until I get their email address. Okay, let's see what it  comes up with. We're going to time it as well. It's 1259 right now. All right, you can see it  working here. A clean and professional calculator interface. 22 popular and obscure AI models with  real pricing data. Email collection before showing results.

07:48 All emails are stored in your database.  Okay, awesome. Said it better than I could have. Okay, here we are. It's been a total of 6 minutes  and we have what we're looking for. An AI token cost calculator. All right, let's check it  out. Um, let's say let's say Claude 3 opus. Okay. I don't like that it just says input and  output tokens because I don't think that's clear enough to the average user.

08:09 Now, what I understand  that to mean is how many tokens it uses when you prompt the AI. That's the input. And then how many  tokens the AI uses when it gives you the output is referred to as the output token. So, I just  reprompted it and said, "Make it more simple to use and understandable for the average layman that  doesn't know what input or output tokens are."

08:31 And show examples on the page of how many tokens  a few different prompts would be of varying sizes and prompt outputs as well, so people can  gauge how many tokens 1,00 for example, actually is. Okay, done. But this gave me an idea  of how to make it even better. For some reason, it made the user interface even more attractive  as well, which I didn't even ask it to do.

08:48 But I would love for people to also see how many  tokens their prompt is. So this is very cool at the bottom. This is what I asked it to do. Real  world token examples. But how cool would it be at the top if they could type in a prompt and it  could tell them how many tokens that is and then they can use that number of tokens to get their  cost calculator.

09:05 Boom. So I love screenshotting specific things on these Vibe coding tools. So  I'm going to do this. Drag it over here and say, okay, my reprompt. This is awesome. added  screenshot, but add in a field to this section where people can type in a prompt or paste in  an output from another model like Jag or Claude and your calculator will tell them how many tokens  either one represents.

09:28 And then at the bottom of the page, give them tips on how to reduce token  usage as well. I'm thinking those tips will really help with SEO, search engine optimization, so more  people can organically find the site. And I don't know if you noticed this, but I put in my original  prompt that I want their email address before they see the result. That's kind of what you do when  you go take like one of those dumb IQ tests.

09:52 It's called a sunk cost fallacy. You spend 15  minutes taking an IQ test and by the time you go to see the result, they want your email. You are  for sure going to give them your email. Now, that can work here. It won't work as well because it  won't take them 15 minutes to fill this out. But I want to have my cake and eat it, too. I want  to monetize the site both with ads and to collect email addresses because these are valuable email  addresses.

10:10 These are people that are going to be using AI tools that are going to be vibe coding.  there's a decent chance they have some money. So, I can use those emails to start a newsletter, to  send them my Hostinger affiliate link or whatever. All right, here's the token counter tool. I'm  going to type in something like, "Show me some obscure websites that are obscure calculators  that make a lot of money organically."

10:28 That's only 23 tokens. So, then I can take that 23. I  can put it up here. And if I really want to know, then let's go to an AI tool like Claude. I'm going  to paste in that same prompt. I'm just going to do opus 3. Okay, there's the output. Let's go back  to hostinger. Boom. Put the output into the tool. 248. So about 10 times more than what my input  was.

10:52 We used claude 3 opus. Calculate total cost. Boom. So that cost almost 2 cents the vast  majority of about 90% of it on the output tokens which makes sense. Now it's a little broken here  because it's giving me the result before it asked for my email. It shouldn't do that. So, anytime  you're using a vibe coding tool like Hostinger, you're going to have some hang-ups.

11:16 That's  always going to happen cuz it doesn't know what's in your brain, right? So, what I love about  Hostinger Horizon is they have like an AI tool on top of their AI tool. Basically, a robot  that fixes the other robot. It's called Cody. I'm going to pull this up and say, boom. I clearly  did not prompt this well enough. So, I'm going to ask Cody, the AI assistant, give me a good  prompt to fix my AI token cost calculator tool to where it won't show the user the results  until they enter in their email address.

11:39 Okay, now it gave me a much more complex prompt that I  can just paste right over to the main window here to be sure that it's fixed. Boom. Let's try it  again. I'm just going to type in some dummy data. Boom. There it is. Look at that.  Look at that. It's blurred out, but I can unlock my results if I type in my email.  It's perfect. Cody, you work perfectly.

12:03 Thank you, Cody. By the way, why are there no Cody  adults? We all knew Cody's in high school, but I don't know one Cody adult other than  Cody Sanchez, which is a female. Side note. Okay. Now, with most other vibe coding tools, if  you want to edit something simple like the text, you have to prompt it again. You got to screenshot  something like this and say, "Change the title to X, Y, or Z."

12:27 But what are we talking about right  now, guys? We're talking about tokens. That costs tokens. It costs you money to edit the text. It  should not cost you money to edit simple things like this. So, I'm not a huge fan of this sub  headline. So, I'm going to change it to say this. How much does your AI tool cost you? Find out  here. Boom. Love it. Okay, I'm ready.

12:42 Let's publish this bad boy. Big purple button on the  top right. Now, we're going to monetize it. So, stay tuned. It'll only take a minute.  While we wait for the site to be published, let's talk some real numbers on how much money  you can make from these with Google AdSense. If you're unfamiliar with Google AdSense, it is  like the ad platform. Any banner ad, sidebar ad, anything like it's all Google AdSense.

13:05 And I will  say Google AdSense is a great starting point. It is a very low friction way of making money on the  internet, but it should not be what you end with. I love Hostinger because it has a built-in  integration with Google AdSense. You don't have to go through all the rigor on Google's  website. you can just do it with a few clicks. But don't stop there.

13:23 Don't be content with  that. Because if you're getting like, let's say, 10,000 page views a month, that's going to be like  30 to 100 bucks a month. Not bad. But if you use other ad tools or if you collect emails, those  emails could be worth 10 bucks each, right? Each. How many emails could you get from 10,000 visitors  a month? If you get 1%, that's 100 emails.

13:41 That'd be a,000 bucks a month. Over 10 times as much as  if you just use AdSense. So, we're going to show you how to use AdSense because we don't want any  friction to making money, but don't be content with AdSense. Now, how do we integrate AdSense?  I'm just asking Horizons, please enable AdSense on my site cuz they already have an integration. You  just have to ask it to do it and it's done.

14:01 Boom. Your calculator is now a complete monetized tool.  Done. One sentence prompt. Okay. So, we need to add a custom domain to this bad boy. And I chose  the starter plan because it includes a free domain name, a free email, and hosting as well. All  right. So, we just go here and what domain name do I want to connect to the site? I'm going to type  in a tokens calculators.com.

14:23 Click it. Go next. All right. You can see that it's ascent for the  first year, which is almost free. But if I want a free one, then I can choose a.cloud domain name,  which is fully free included in the starter plan that I bought. And here's what's crazy. Everything  I've done so far to build the final product here cost me four credits on Hostinger.

14:45 I have 70 for  the month and I have 66 left. Looks like I got to update this as well. 2024 pricing. Nope. 2026.  Boom. Now, how does my website look on the actual internet? Well, here it is published. We did  it. And because we chose calculators with an S, we can add multiple calculators to our site. And  with Hostesser, you can just copy and paste.

15:04 We can copy and paste this calculator and swap out  different features or functions. Different niche, same looking calculator. You can share your  template with other people. And you can manage the domain, the SSL, everything all in one platform,  one dashboard. So, I've started over 80 businesses over the last 18 years. Some took me months or  years to start.

15:24 Many failed. This business took me minutes. If you want to win online, you got to  ship. You got to ship more. You got to build. You got to post your crap. Post it to the internet.  Analysis paralysis is a fourletter word here on the Kerner office. So, don't even think about  doing it. Hostinger Horizons is a great partner to the Kerner office. They're obviously sponsoring  this video and I wouldn't choose them as a sponsor if I didn't love their product and their  company.

15:47 So use code kerner office for 10% off link in the description and go build something  already. We'll see you next time on the Kerner

💡 Answer

Build a simple, search-driven calculator or tool website with AI, then monetize it with ads, email leads, affiliate promotions, or lead sales; it can become highly passive after launch, but earnings are not guaranteed.

🧠 AI Summary

Simple calculator and tool websites can attract substantial organic traffic by solving one specific problem, especially when search demand is high and competition is limited. AI tools make these sites fast and inexpensive for non-coders to build. Revenue can come from ads, email collection, affiliate promotions, or lead generation. A practical process is to research calculator keywords, compare demand with competition, build a focused tool with AI, publish it, and add monetization. The example AI token cost calculator was built in about 6 minutes, but the opportunity may become less attractive in 2 to 5 years.

🔑 Key Points

  • Simple websites can succeed by solving one specific problem extremely well.
  • Calculator sites can attract large organic audiences from high-volume search terms.
  • Long-tail keywords generally have fewer searches but may also have fewer competitors.
  • Google Trends was used to choose an AI cost calculator over a side hustle profit calculator.
  • AI tools allow non-coders to build and modify simple calculator websites quickly.
  • Calculator sites can be monetized through AdSense, other ad tools, email collection, affiliate links, and lead generation.
  • A calculator directory can expand by copying a template and changing its features or niche.
  • Shipping and publishing quickly is prioritized over prolonged analysis.

✅ Actionable items

  • Research calculator-related keywords with Ahrefs, Semrush, Google Trends, or AI tools.
  • Compare core keywords with long-tail variations to identify terms with high demand and fewer competitors.
  • Choose an up-and-coming niche such as AI, health and fitness, GLP-1s, solar, green energy, protein, creatine, or side hustles.
  • Use an AI website-building tool to create a focused calculator with a clean and simple interface.
  • Add examples that help users understand input and output token quantities.
  • Allow users to paste a prompt or model output so the site can estimate token counts.
  • Add tips for reducing token usage to provide additional useful content and support organic search.
  • Require an email address before displaying calculator results.
  • Enable Google AdSense after publishing the calculator.
  • Use collected email addresses for a newsletter or affiliate promotions.
  • Add a custom domain and replicate the calculator template for additional niches.
  • Publish the site quickly and continue building rather than waiting for perfection.

💡 Business ideas

AI token cost calculator06:06

A website that estimates the cost of using tokens with popular or obscure AI tools and large language models.

For
Vibe coders and people building with AI tools.
Solves
Helps users estimate token usage and the associated cost of prompts and AI outputs.
Validate by
Compare Google Trends interest for the AI cost calculator against a side hustle profit calculator.
  • Claude 3 opus token cost calculation
  • Prompt token counter

🏗️ Business models

SEO calculator website monetized with advertising01:05

Build a focused calculator that attracts organic search traffic and place ads on the site.

  1. Find a calculator keyword with strong demand and manageable competition.
  2. Build a simple calculator around that keyword.
  3. Publish the site and attract organic visitors.
  4. Enable Google AdSense or other ad tools.
  • Paycheck calculator
  • Calorie calculator
  • Mortgage calculator
  • AI token cost calculator
Calculator website monetized through email and affiliate marketing09:27

Collect visitor email addresses before showing results, then use the list for newsletters and affiliate promotions.

  1. Require an email address before displaying the result.
  2. Store the email addresses.
  3. Send newsletters or affiliate offers to relevant subscribers.
  • Sending a Hostinger affiliate link to people using an AI-related calculator
Calculator-powered lead generation02:48

Use calculators to attract relevant visitors and generate leads that can be sold to service providers.

  1. Add calculators to a relevant directory website.
  2. Collect information such as type, weight, service type, and location.
  3. Generate leads for providers.
  • A pet cremation cost calculator generating leads for veterinarians and horse cremation facilities

💰 Monetization

Google AdSense $30 to $100 per month was given as an estimate for 10,000 monthly page views. 12:55

Place banner, sidebar, and other advertisements on the calculator website.

  • Google AdSense integration through Hostinger Horizons
Email marketing and affiliate promotions Email addresses were valued at $10 each in the example. 10:09

Collect email addresses before revealing results and use them for newsletters or affiliate links.

  • A Hostinger affiliate link
Lead sales 03:05

Sell leads generated by a calculator to relevant service providers.

  • Leads for veterinarians and horse cremation facilities

📣 Marketing

Sales

  • Use collected email addresses to promote affiliate products.
  • Sell qualified calculator-generated leads to relevant businesses.

Branding

  • Choose a niche that the builder knows and enjoys to make the project more scalable and sustainable.
  • Keep the calculator interface clean, simple, and easy to use.

Distribution

  • Publish the calculator on a custom domain.
  • Use a website platform that manages hosting, domain, SSL, and publishing in one dashboard.
  • Replicate the calculator template across additional niches.

Customer acquisition

  • Target high-volume calculator searches.
  • Use long-tail keywords to reach searches with potentially fewer competitors.
  • Add useful token-reduction tips and examples to support organic discovery.

🔍 SEO & discoverability

Mistakes

  • Relying only on AdSense instead of adding other monetization methods.
  • Using unclear labels such as input and output tokens without explaining them.
  • Showing calculator results before collecting the user's email address.

Strategies

  • Build around specific calculator problems with high or growing search volume.
  • Target long-tail variations such as FHA loan mortgage calculator Texas.
  • Add explanatory examples and token-reduction tips to the site.

Other channels

  • Email newsletters
  • Affiliate email promotions

Content strategy

  • Include real-world token examples.
  • Explain input and output tokens in language understandable to non-experts.
  • Add tips on reducing token usage.

Keyword research

  • Use Ahrefs, Semrush, Google Trends, and AI tools to research demand.
  • Compare search volume and competitor levels to find a supply-and-demand imbalance.
  • There are almost 36,000 keyword clusters containing the word calculator.

🧭 Frameworks

Specific-problem calculator opportunity framework04:36
  1. Choose a specific problem.
  2. Research current or growing search volume.
  3. Compare demand with competitor supply.
  4. Build a simple calculator.
  5. Publish and monetize it.

🧰 Tools & AI usage

  • Hostinger Horizons — Build, edit, publish, host, and monetize the calculator website.03:53
  • Cody — Generate a better prompt to fix the email-gated results behavior.11:29
  • Ahrefs — Research calculator-related keyword clusters and search volume.02:09
  • Semrush — Research keyword opportunities.04:36
  • Google Trends — Compare search interest for potential calculator ideas.06:43
  • Google AdSense — Display advertisements on the calculator website.12:59

AI is used for

  • Build a calculator website — Create an AI token cost calculator without traditional coding.06:03
  • Generate and revise website interface copy — Make the calculator easier for average users to understand.08:04
  • Estimate token counts — Count tokens in prompts and AI outputs.10:17
  • Fix website behavior — Prevent results from appearing until the user enters an email address.11:25
  • Enable website monetization — Add Google AdSense to the published calculator site.13:56

📊 Numbers mentioned

Costs

  • The Hostinger starter plan includes up to 25 websites.
  • The calculator build used four Hostinger credits.
  • The account had 70 monthly credits and 66 remained after the build.
  • The example Claude 3 opus calculation cost almost 2 cents.

Growth

  • There are almost 36,000 calculator keyword clusters.
  • AI cost calculator search interest was growing over the last 5 years.
  • Side Hustle Profit Calculator search interest showed very little volume and was not really growing.

Pricing

  • 10,000 monthly page views were estimated to produce $30 to $100 per month from AdSense.
  • Email addresses were valued at $10 each in the example.
  • The Hostinger code kerner office provides 10% off.

Revenue

  • The paycheck calculator example was estimated to be worth $1.1 million with ads.
  • The calorie calculator example was described as worth six figures with ads.
  • Omni Calculator generates over $500,000 per month in revenue.

Traffic

  • The paycheck calculator example gets over 700,000 unique visitors per month.
  • The calorie calculator example gets 456,000 organic visitors per month.
  • Omni Calculator gets over 17 million visitors per month.
  • 10,000 monthly page views were used as an AdSense example.

⚖️ Advantages, risks & lessons

Advantages

  • Simple calculator websites can be built quickly with AI.
  • They can operate with limited ongoing work after launch.
  • One template can be adapted to multiple niches.
  • The business can combine advertising, email, affiliate, and lead-generation revenue.

Risks

  • The opportunity may not remain available in 2 to 5 years.
  • Some older calculators lose traffic as trends and user needs change.
  • AI website-building tools can produce errors or unexpected behavior.
  • Search volume and competition must be validated rather than assumed.
  • AdSense alone may produce limited revenue.

Lessons

  • Search demand and competition should guide calculator selection.
  • A niche familiar to the builder can make the project more sustainable.
  • Useful explanations and examples improve the product for non-expert users.
  • Publishing quickly is more valuable than prolonged analysis paralysis.

💬 Quotes

You got to ship. You got to ship more. You got to build. You got to post your crap.

Summarizes the recommendation to publish and iterate quickly.15:29

👤 People & companies

Cody Sanchez

The only adult named Cody mentioned as an example.

12:12
Hostinger

Hosting company whose Horizons tool was used to build and publish the calculator website.

04:01
Ahrefs

Keyword research tool used to identify calculator keyword clusters.

02:09
Semrush

Keyword research tool suggested for finding calculator opportunities.

04:36
Google

Search and advertising ecosystem referenced through Google search, Google Trends, and Google AdSense.

02:09
Omni Calculator

Calculator website with over 3,700 custom calculators and over 17 million monthly visitors.

03:18

🔗 Links mentioned