A Black woman in glasses works on her laptop at a desk in an office.

Top AI ETFs to Invest In: 2025 Guide

Artificial intelligence is rapidly becoming one of the most transformative forces in the global economy. From generative AI tools to robotics and automation, breakthroughs in AI are reshaping industries and driving innovation. For investors, this momentum has generated a new investment opportunity: AI exchange-traded funds, or ETFs.

Artificial intelligence ETFs allow investors to gain relatively low-cost, diversified exposure to the fast-growing AI sector, spreading risk across a wide range of companies, while tapping into the potential of a technology that’s just beginning to scale.

In this AI ETF guide, we’ll identify some of the promising AI ETFs by market capitalization. To keep pace with new players and help you navigate a rapidly changing AI environment, this guide will be updated quarterly.

Key Points

•   Artificial intelligence ETFs offer a relatively low-cost, diversified way to invest in the rapidly growing artificial intelligence sector.

•   Some of the top AI ETFs by market capitalization, as of October 2025, include Global X Artificial Intelligence & Technology ETF (AIQ), Global X Robotics & Artificial Intelligence ETF (BOTZ), Defiance Quantum ETF (QTUM), and more.

•   Investing in AI ETFs allows for exposure to AI technology while diversifying risk compared to individual stock investments.

•   AI ETFs differ from AI mutual funds in trading flexibility, management style, liquidity, and cost.

•   When choosing an AI ETF, consider factors like expense ratio, fund size, diversification of holdings, and alignment with financial goals and risk tolerance.

What Is an AI ETF?

For those who want to invest in exchange-traded funds (ETFs), the term AI ETF refers to an ETF that focuses on companies that in some way participate in the artificial intelligence sector.

Understanding ETFs as a potential investment option is important, as these funds differ from mutual funds and stocks in key ways. As with other types of ETFs, instead of purchasing stock in an individual company, an AI ETF typically includes companies involved in AI development, AI-powered products, and AI infrastructure.

When considering ETFs vs. mutual funds, ETFs may be lower cost and more liquid, with potential tax efficiencies.

An AI ETF may also refer to an ETF that uses artificial intelligence to help pick the stocks that it invests in, though this definition is less common.

Types of AI ETFs to Consider

ETFs that are built around artificial intelligence stocks are not all the same. Here are some differences to be aware of.

Passive vs. Active ETFs: Until mid-2025, the majority of ETFs were considered passive funds in that they tracked a certain index, such as the S&P 500. This year, the number of actively managed ETFs exceeded the number of passive funds. This is important for investors to know, as active funds may charge higher fees, and may offer more complex strategies.

Technology ETFs: For those familiar with investing in technology stocks, many AI ETFs are essentially portfolios of tech stocks, and often include familiar tech companies such as Microsoft, Nvidia, AMD, and so on. In other words, when investing in a tech-focused ETF, it’s also possible to gain exposure to many AI industry leaders.

Thematic ETFs: Investors can also look for funds that are specifically invested in AI-centered stocks, under the umbrella of so-called thematic investing ETFs, which refer to funds focused on niche strategies in a range of industries (e.g., pharmaceuticals, green technology, real estate, and so on).

AI-powered ETFs: As noted above, artificial intelligence algorithms can be used to select and help manage an ETF portfolio. This does not ensure that the fund’s portfolio is invested in AI stocks; it’s best to check the meaning of the AI label from fund to fund.

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Top AI ETFs by Market Cap in 2025

As of October 2025, these are the top artificial intelligence ETFs, by market capitalization.

Global X Artificial Intelligence & Technology ETF (AIQ)

•   Market cap / AUM: $4.80B

•   Expense ratio: 0.68%

•   Performance (1-year: 38.0%

•   Performance (3-year): 28.5%

•   Top holdings (tickers): GOOGL, AVGO, AAPL, 0700.HK (Tencent), BABA

•   Why it stands out: Large, diversified AI & big-data fund blending both innovators and infrastructure providers.

Global X Robotics & Artificial Intelligence ETF (BOTZ)

•   Market cap / AUM: $2.85B

•   Expense ratio: 0.68%

•   Performance (1-year): 15.12%

•   Performance (3-year): 17.8%

•   Top holdings (tickers): NVDA, ABB, FANUC, KEYENCE, ISRG

•   Why it stands out: A major industrial and robotics-focused AI fund with significant allocations to automation hardware leaders.

Defiance Quantum ETF (QTUM)

•   Market cap / AUM: $2.0B

•   Expense ratio: 0.40%

•   Performance (1-year): 67.4%

•   Performance (3-year): 33.8%

•   Top holdings (tickers): MDB, TSEM, SNPS, TER, ALCPF

•   Why it stands out: Combines AI/machine learning exposure with quantum computing, offering investors access to frontier technologies.

First Trust Nasdaq Artificial Intelligence & Robotics ETF (ROBT)

•   Market cap / AUM: $562.8M

•   Expense ratio: 0.65%

•   Performance (1-year): 27.1%

•   Performance (3-year): 10.3%

•   Top holdings (tickers): SYM, AMBA, TPTX, UPST, GNTX

•   Why it stands out: Equal-weight structure across AI enablers, engagers, and enhancers, with less concentration on mega-cap tech companies.

ROBO Global Artificial Intelligence ETF (THNQ)

•   Market cap / AUM: $248.5M

•   Expense ratio: 0.68%

•   Performance (1-year): 43.1%

•   Performance (3-year): 27.2%

•   Top holdings (tickers): CRWD, IOT, PANW, TEM, ADSK, AMZN

•   Why it stands out: Focuses its holdings by AI-revenue exposure in both infrastructure and applications/service buckets

Roundhill Generative AI & Technology ETF (CHAT)

•   Market cap / AUM: $526.3M

•   Expense ratio: 0.75%

•   Performance (1-year): 65.4%

•   Performance (3-year): N/A

•   Top holdings (tickers): NVDA, GOOGL, PLTR, MSFT, ARM

•   Why it stands out: Thematic play as this ETF is dedicated to generative AI including large language models (LLMs).

Source: Yahoo Finance, as of October 1, 2025.

Why Consider Investing in AI ETFs?

There’s no denying that artificial intelligence has already transformed many aspects of the economy and investing, and it appears likely to continue to do so in the years to come. Investing in an AI ETF allows you to have access to the growing AI technology sector, while diversifying your risk as compared to investing in individual stocks.

Rather than investing in individual AI companies, an AI ETF gives you broad exposure to a number of different AI companies.

AI ETFs vs Other Investment Options

It’s important to understand how ETFs compare to other investment options.

AI ETFs vs. AI Mutual Funds

The difference between AI ETFs and AI mutual funds is similar to the difference between ETFs and mutual funds in general.

ETFs trade on an exchange, may be passively or actively managed, usually have lower expense ratios than traditional mutual funds, and allow you to trade throughout the day.

In contrast, mutual funds are usually actively managed, can only be traded at the end of each day, are bought directly from the fund company, and often come with higher expense ratios than ETFs.

AI ETFs vs. Individual AI Stocks

Another way to invest in the AI sector is by choosing individual AI stocks to invest your money in. This might include companies that focus on robotics, self-driving vehicles, large language model (LLM) generation, or improving manufacturing processes.

While investing in individual stocks does open up the possibility of higher returns if you pick a company that outperforms the market, you also risk lower returns or losses if your stock doesn’t do well.

Remember that you can choose more niche AI ETFs if you prefer thematic investing. This can allow you to find an ETF that focuses directly on specific applications of AI, like robotics, automation, or self-driving technology.

How to Compare and Choose an AI ETF

If your brokerage account allows self-directed trading, you can research and choose which AI ETF you want to invest in. You can choose your AI ETF in the same way that you choose any other stock, mutual fund, ETF, or other investment. If you have specific AI companies you want to make sure you have exposure to, check the fund’s top holdings to make sure it is represented.

You can also look at the fund’s recent performance as compared to other funds over the past time periods, although keep in mind that past performance does not guarantee future results.

Another important factor to bear in mind is the fund’s expense ratio. These costs, which are often expressed as a percentage, may seem small, but they can add up over time, and all investment fees effectively reduce returns.

Reviewing all of these factors can help you decide which AI ETF is right for you.

How to Invest in AI ETFs

There are many different ways for investing in ETFs, and the exact steps will depend on which brokerage you use and what ETFs you are interested in. Your overall investing goals and strategies will be important as well. Still, here are a few steps to consider when investing in AI ETFs:

•  Choose a brokerage — Find a brokerage that offers AI ETFs. You may choose to use a brokerage where you already have an account, or open an account at a different brokerage.

•  Research ETFs — Decide which ETF you want to invest in. Your brokerage may have research tools to help you, or you might choose to research on your own.

•  Place an order — Once you’ve decided how you want to invest, place an order at your brokerage.

Recommended: How to Invest in ETFs

Risks of Investing in AI ETFs

The risks of investing in AI ETFs are similar to the risks of investing in general. Your investments could lose money, and the past performance of any particular fund is no guarantee that it will continue to produce those results in the years to come.

Additionally, as with any emerging technology, there is a risk that some of these technology companies may go out of business. The AI industry is highly competitive and volatile, with key players emerging, and changing frequently.

However, investing in an AI ETF is generally considered less risky than investing in individual stocks, since you are diversifying your risk across many different companies.

The Takeaway

AI is evolving at a breathtaking pace, with adoption expanding from consumer tools to enterprise solutions, manufacturing, and beyond. For investors looking to participate in this growth while balancing risk, AI ETFs provide a way to access the sector through diversified holdings.

Whether you’re drawn to broad AI technology funds or more thematic and focused strategies like robotics or generative AI, these AI ETFs offer individual investors the ability to take part in the potential growth of artificial intelligence companies.

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FAQ

How do I choose the right AI ETF?

When choosing an AI ETF, you’ll want to look at factors such as expense ratio, fund size, diversification of holdings, and whether it focuses on pure AI companies or broader technology. It’s also helpful to review the top holdings to ensure they align with your investment goals and risk tolerance.

Is there an AI-managed ETF?

Yes, some ETFs use AI to pick which stocks to invest in. This may or may not mean the fund itself is invested in artificial intelligence technology, however.

What is the best way to invest in AI?

There is no single best way to invest in AI — instead, it will depend on your risk profile and investment goals. AI ETFs can provide diversified exposure to the sector, which can help reduce the risk of betting on a single company. More aggressive investors may also consider individual AI stocks or venture capital opportunities in startups.

How are AI ETFs different from regular tech ETFs?

Investing in AI ETFs has a few key differences as compared to investing in technology stocks or generic technology ETFs. AI ETFs focus specifically on companies that are developing or heavily leveraging artificial intelligence, machine learning, and automation.

What are the biggest risks of investing in AI ETFs?

The biggest risks of investing in AI ETFs include high volatility, since AI is still an emerging sector with uncertain regulation and adoption timelines. Because there are not as many companies focusing on artificial intelligence yet, AI ETFs may also be heavily concentrated in a few stocks. This increases exposure to individual company performance, which can also increase volatility.


About the author

Dan Miller

Dan Miller

Dan Miller is a freelance writer who has spent over ten years covering developments in the finance space. His expertise extends to all things personal finance, including student loans, budgeting, credit cards, and mortgages. Read full bio.


Photo credit: iStock/miniseries

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A flight attendant in a striped uniform is closing an overhead bin on an airplane with passengers seated, perhaps thinking about her flight attendant salary.

How Much Does a Flight Attendant Make a Year?

If you’re exploring career options, and the idea of seeing the world and meeting interesting people appeals to you, you may want to consider a career as a flight attendant.

One of your first questions may be, how much does a flight attendant make a year? According to the U.S. Bureau of Labor Statistics, the median annual salary is $67,130. However, that figure can change based on a number of factors, including your experience, skills, and education.

Let’s take a closer look.

Key Points

•   The median flight attendant salary is approximately $67,130 per year, though this varies by airline and location.

•   With experience, senior flight attendants may make around $80,287 annually, and some can earn as much as $115,000 or more per year.

•   Pay is typically hourly and starts when the aircraft door closes, meaning preflight work (like boarding and prep) is often unpaid.

•   Factors affecting salary include years of service, class of service (domestic vs. international), airline policies, and whether the attendant has supervisory responsibilities.

•   Pros of the job include travel perks and relatively short training periods; drawbacks may include irregular hours, time away from home, and health risks associated with frequent flying.

What Are Flight Attendants?

Flight attendants are the friendly professionals who welcome you aboard, provide in-flight service, and ensure your comfort and safety throughout the flight.

Flight attendants have many responsibilities you don’t see, as well. They have to be well-versed in emergency procedures, should there be an issue on board. They interact with the pilots and create reports for each flight.

Being a flight attendant requires an outgoing personality. If that doesn’t describe you, you may want to explore jobs for introverts.

💡 Quick Tip: When you have questions about what you can and can’t afford, a spending tracker app can show you the answer. With no guilt trip or hourly fee.

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How Much Do Starting Flight Attendants Make?

Compared to other jobs, flight attendants can make a good entry-level salary. For a flight attendant with less than one year of experience, the starting salary is about $47,079 per year. This will, of course, depend on the airline that hires you and where you live.

Something else to consider: Compared to other jobs, training to become a flight attendant is relatively quick. Some programs are about six weeks long; after that, you’re ready to take to the skies.

Recommended: What Is Competitive Pay?

What Is the Average Salary for a Flight Attendant?

The salary for a flight attendant just starting out is fairly high compared to some other jobs. But how much does a flight attendant make an hour? And just how much more could they earn with more experience under their belt?

It first helps to understand the difference between salary vs. hourly pay. Many flight attendants are paid by the hour, and the clock typically starts when the aircraft door is closed. That means that the period they spend greeting travelers and getting them settled is unpaid work.

While flight attendants don’t generally get overtime pay, they can earn extra money by working more hours or during holidays. Experience can play a role as well. The average hourly salary for a senior flight attendant is around $38.60 (or $80,287 per year), though some can earn as much as $80-90 per hour with experience.

No matter what your take-home pay is, online tools like a money tracker app can help you create budgets and keep tabs on your finances.

Recommended: Is $100,000 a Good Salary?

What Is the Average Flight Attendant Salary by State for 2025

Curious about how much a flight attendant makes per year where you live? Here are annual mean flight attendant salaries for some of the U.S. states.

And if you’re interested in exploring other jobs, check out the highest-paying jobs by state.

State Annual Mean Wage
Arizona $52,900
California $84,060
Colorado $62,650
Connecticut $99,970
Florida $77,460
Georgia $79,480
Idaho $83,070
Illinois $71,670
Massachusetts $68,390
Michigan $80,240
Minnesota $56,870
Nevada $48,960
New York $117,580
North Carolina $73,420
Ohio $59,570
Oregon $72,620
Pennsylvania $53,760
Texas $54,750
Utah $60,450
Virginia $79,110
Washington $103,150

Source: U.S. Bureau of Labor Statistics

Flight Attendant Job Considerations for Pay and Benefits

As you can see based on the mean wages in various states, flight attendant salaries can range from $48,000 to $117,000+. When you’re just starting out, though, you’ll likely make much less. And depending on where you live and the duties and responsibilities you have as a flight attendant, your salary will vary.

Other factors that will impact how much you make include whether or not you have people who report to you, how long you’ve been working, and where you fly. Working international flights might also pay more than domestic flights.

Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

Pros and Cons of Flight Attendant Salary

Now that you know how much flight attendants make, let’s weigh the potential benefits and drawbacks of the job.

Pros

For many people, the salary a flight attendant can make is impressive. And given that it doesn’t take years of study and hundreds of thousands of dollars of student loans to become a flight attendant, the barrier to entry is lower.

Unless you’re looking for a work-at-home job for retirees, another perk of being a flight attendant is that you’ll get the opportunity to travel around the country or even the world.

Cons

Like any job, there are drawbacks to working as a flight attendant. For starters, you are likely to be paid hourly, and you might not get compensated for any work you do before the doors of the plane close.

While flying around the world sounds glamorous, many flight attendants tire of the long hours in the skies. There are potential health risks of frequent air travel to consider as well. According to the Centers for Disease Control and Prevention (CDC), air travel exposes you to cosmic ionizing radiation, which could impact your reproductive health. Plus, jet lag can make it difficult to keep a regular sleeping schedule.

Recommended: What Trade Makes the Most Money?

The Takeaway

Flight attendants have the opportunity to make good money, see other parts of the country or world, and typically only need a few weeks of training to start working. If you’re outgoing, enjoy working with people, and love to travel, becoming a flight attendant could be a good fit.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

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FAQ

What is the highest paying flight attendant job?

While salaries vary depending on experience and location, on the high end, flight attendants can earn up to $93.31 per hour as of 2025 with Southwest Airlines (this is after 13+ years of experience).

Is being a flight attendant a healthy job?

Constantly being on their feet and being quick to respond to travelers’ requests keeps many flight attendants in good shape. However, there are potential health risks to consider. Jet lag could disrupt circadian rhythms, and being in the air gives exposure to cosmic ionizing radiation, which could impact reproductive health, according to the CDC.

How much do flight attendants make starting out?

While starting salaries can vary depending on location, airline, and responsibilities, the nationwide starting salary for flight attendants is $23 per hour, or $47,079 per year, according to ZipRecruiter.


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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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A physical therapist in blue scrubs helps a smiling older patient with resistance band exercises in a clinic.

How Much Does a Physical Therapist Make a Year?

The median salary for a physical therapist is $101,020, according to the latest figures from the U.S. Bureau of Labor Statistics.

While that’s seen as a good salary in most parts of the country, money isn’t the only factor to consider if you’re thinking about a career as a physical therapist. You’ll also want to weigh the potential rewards (you can help people feel better) and drawbacks (the work can be physically taxing).

Let’s take a closer look.

Key Points

•   The average annual salary for physical therapists in the U.S. is approximately $101,020, according to the Bureau of Labor Statistics.

•   Salaries can vary based on factors such as location, years of experience, and the type of work setting, with higher pay often found in urban areas and specialized settings.

•   Physical therapists with specialized certifications or advanced degrees, such as those in sports therapy or geriatrics, can command higher salaries.

•   Physical therapists can work in a variety of settings, including hospitals, private practices, schools, and sports clinics, each offering different salary ranges and benefits.

•   The job outlook for physical therapists is strong, with a projected growth rate that is faster than the average for all occupations.

What Are Physical Therapists?

A physical therapist (PT) is a wellness provider who specializes in the body’s physical movements. An athlete might see a physical therapist after sustaining an injury. Or a stroke patient might visit one to regain the ability to walk.

It can take about seven or eight years of study to become a PT, including four years of undergraduate study and three years to complete a doctor of physical therapy program.

PTs need to be physically able to support patients who cannot carry their own weight. It also helps if they’re outgoing, since they work with patients all day long. (Prefer a career where you don’t have to deal with people? Consider a job for introverts.)

Recommended: 11 Work-From-Home Jobs for Retirees

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How Much Do Starting Physical Therapists Make?

If you’re exploring the profession, you may wonder what a good entry-level salary is for a new physical therapist. Salaries for physical therapists fresh out of school run average $96,695 per year, according to ZipRecruiter.

The amount you make will likely depend on where you live, where you work, and your assigned tasks. The more experience you gain as a physical therapist, the more money you may be able to make.

💡 Quick Tip: When you have questions about what you can and can’t afford, a spending tracker app can show you the answer. With no guilt trip or hourly fee.

What Is the Average Salary for a Physical Therapist?

Like most fields, physical therapy tends to pay more as you gain more experience. So how much does a physical therapist make a year?

Some PTs get paid by the hour, while others earn an annual salary. You can look at salary vs. hourly incomes to understand the benefits and drawbacks of each.

On average, a physical therapist makes around $48.57 per hour, though that rate can vary. In terms of salary, a typical physical therapist can earn anywhere from $74,420 to $132,500 or more; the median salary is $101,020.

What Is the Average Physical Therapist Salary by State for 2025?

A physical therapist’s pay can vary widely based on where they work. Here’s a look at how much a physical therapist makes per year in each state.

State Annual Mean Wage
Alabama $97,890
Alaska $113,190
Arizona $104,250
Arkansas $96,510
California $120,970
Colorado $100,430
Connecticut $102,420
Delaware $106,450
Florida $94,690
Georgia $101,610
Hawaii $100,900
Idaho $93,470
Illinois $107,980
Indiana $98,320
Iowa $92,630
Kansas $96,250
Kentucky $93,370
Louisiana $101,380
Maine $92,780
Maryland $107,690
Massachusetts $104,130
Michigan $96,840
Minnesota $98,700
Mississippi $95,090
Missouri $94,760
Montana $91,290
Nebraska $93,510
Nevada $113,700
New Hampshire $93,750
New Jersey $109,470
New Mexico $99,360
New York $100,770
North Carolina $95,600
North Dakota $89,870
Ohio $99,500
Oklahoma $97,760
Oregon $104,150
Pennsylvania $98,830
Rhode Island $98,190
South Carolina $96,630
South Dakota $90,270
Tennessee $98,090
Texas $106,450
Utah $96,920
Vermont $94,060
Virginia $102,990
Washington $102,830
West Virginia $99,470
Wisconsin $99,340
Wyoming $100,100

Source: U.S. Bureau of Labor Statistics

Recommended: The Highest-Paying Jobs in Every State

Physical Therapist Job Considerations for Pay and Benefits

When you’re figuring out competitive pay for a PT, you’ll want to weigh a number of factors. For starters, where you live and work can greatly impact how much you get paid. Your area of specialty can also play a role in how much you earn. Oncology, pediatrics, sports medicine, orthopedics, and rehabilitation all come with their specific roles, responsibilities, and salary ranges.

You may find that your salary goes up if you oversee other employees. Your income may also change depending on whether you decide to work for someone else or open your own practice.

💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

Pros and Cons of Being a Physical Therapist

As with any job, there are benefits and drawbacks to being a physical therapist.

Pros

One big draw to consider is the potential salary, which can be fairly high no matter where you live. You’ll also have the opportunities to help people on the road to recovery after an injury or illness, which can be gratifying.

Another plus? Flexibility. PTs can often choose to work full time or part time. And if you’re open to hitting the road for work, there are jobs available for traveling physical therapists.

Recommended: Is a $100,000 Salary Good?

Cons

As anyone who’s ever been to physical therapy before can attest, the work can be physically taxing. You’ll need to be able-bodied so you can help support patients during their visits.

Something else to consider? The job typically involves a great deal of paperwork — think logging detailed notes on each patient, handling administrative work, and corresponding with providers.

And then there are the additional years of school you’ll have to go through before you can start working. The cost of a doctor of physical therapy program varies, but tuition for a three-year program can be as much as $135,188 for an in-state public institution. If you plan on attending a private program, you could end up paying more than $200,000 in total.

Whether you’re figuring out how to pay for the extra schooling or how to maximize your income, creating a budget is a good place to start. An online spending app can help take the guesswork out of the job.

The Takeaway

A career in physical therapy requires additional schooling, but the potential rewards can be worth it. Not only would you be helping people regain their strength and mobility, you may also enjoy work-life balance and a good salary.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the highest paying physical therapist job?

On the high end, experienced physical therapists can earn more than $132,500 per year.

Do physical therapists make $100k a year?

Yes, some physical therapists can earn $100,000 a year or more, depending on their experience and responsibilities.

How much do physical therapists make starting out?

Starting salaries for physical therapists will vary, but the lowest 10% earned less than $74,420.


Photo credit: iStock/andresr

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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A smiling dentist in a white coat adjusts an examination light over a patient seated in the dental chair.

How Much Does a Dentist Make a Year?

The median salary of a dentist is $179,210 a year, according to the U.S. Bureau of Labor Statistics. That competitive pay reflects the significant amount of education and training required to do the job. But even brand new dentists could earn a six-figure salary. The average annual pay for entry-level dentists, including bonuses and overtime, is $123,000 to $130,000, according to PayScale.

While becoming a dentist isn’t cheap — the typical dental school graduate owes around $296,500 in student loan debt, according to the Educational Data Initiative — the field is often regarded as virtually recession-proof.

Here’s a closer look at what dentists do, how much they can earn, and the pros and cons to consider.

Key Points

•  The average annual salary for dentists in the U.S. is around $179,210, according to the Bureau of Labor Statistics.

•  Dentist salaries can vary significantly, with some earning over $239,200 per year and others making less, depending on factors like experience, location, and type of practice.

•  Specialized dentists, such as orthodontists and oral surgeons, typically earn higher salaries compared to general dentists.

•  Salaries are generally higher in urban areas and states with a higher cost of living, while rural areas may offer lower compensation.

•  The demand for dentists is expected to grow, driven by an aging population and increased awareness of oral health, making it a stable and promising career choice.

What Are Dentists?

Dentists are healthcare providers who specialize in oral health, which includes the teeth, gums, and mouth. In addition to routine exams and cleanings, a dentist can also perform a variety of services, including filling cavities, putting in crowns or bridges, pulling teeth, or designing and installing dentures. Some dentists operate their own practices, which means they may also manage staff, finances, and marketing.

Being a dentist means interacting with patients all day long. If you are shy and have difficulty starting conversations, you might explore jobs for introverts instead.

Also important to know: It can take six to eight years to become a dentist. While there’s no fast track, know that once you complete your studies, you should be able to earn a nice salary.

As you’re establishing yourself professionally, it’s a good idea to also create short- and long-term financial goals for yourself. Online tools like a money tracker app can help you keep track of your spending and saving and provide useful insights.

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How Much Do Starting Dentists Make?

If you’re considering going through those six to eight years of study, you may want to know, what is a good entry-level salary for a dentist just starting out?

As mentioned before, a new dentist can earn an average of $123,000 to $130,000, which includes bonus and overtime. How much does a dentist make a month? If you break this down, it would come out to $10,400 a month. Keep in mind that if you took out a dental school loan, some of your salary may need to go to paying back what you owe.

💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.

What Is the Average Salary for a Dentist?

After a few years on the job, how much can dentists make a year? The good news is, salaries usually rise as you gain more experience.

According to the Bureau of Labor Statistics, the median wage of a dentist is $179,210 per year. Dentists in the highest 10% earned more than $239,200 a year, while those in the lowest 10% earned less than $84,740.

While most dentists are given a salary, some get paid by the hour instead. The median hourly rate of dentists is $86.16.

Recommended: Is $100,000 a Good Salary?

What Is the Average Dentist Salary by State?

Wondering how a dentist’s income stacks up against the highest-paying jobs in your state? Check out this chart of average dentist salaries by state.

State Annual Mean Wage
Alaska $202,250
Arizona $201,240
Arkansas $178,290
California $184,350
Colorado $143,450
Connecticut $214,070
Delaware $228,740
Florida $196,320
Georgia $203,300
Hawaii $136,200
Idaho $173,570
Illinois $184,490
Indiana $209,500
Iowa $216,520
Kansas $172,120
Kentucky $179,380
Louisiana $185,180
Maine $224,080
Maryland $203,500
Michigan $202,390
Minnesota $224,700
Mississippi $143,020
Montana $180,630
Nebraska $185,360
Nevada $146,480
New Hampshire $176,780
New Jersey $175,720
New Mexico $191,570
New York $185,590
North Carolina $205,990
North Dakota $224,300
Ohio $176,600
Oklahoma $201,720
Oregon $209,670
Pennsylvania $174,250
South Carolina $190,670
Tennessee $191,880
Texas $207,300
Utah $148,860
Vermont $240,740
Virginia $192,880
Washington $203,780
West Virginia $171,380
Wisconsin $209,830
Wyoming $154,030

Source: U.S. Bureau of Labor Statistics

Dentist Job Considerations for Pay and Benefits

Curious about how much a general dentist makes a year? The answer varies depending on several factors, including their experience, area of specialty, where they work, and whether they run their own practice.

But if you’re wondering what trade makes the most money, dentistry is up there. And there’s certainly job security. As long as people have teeth (or need to use them), there will be jobs for dentists!

Recommended: What Are the Pros and Cons of Raising Minimum Wage?

Pros and Cons of Being a Dentist

You might be excited at the prospect of making good money as a dentist, but it’s a smart move to weigh potential benefits and drawbacks of the profession. Here are ones to consider:

Pros:

•  Competitive pay

•  Job stability

•  Can help people have good oral health

•  Potential for a good work-life balance

•  Ability to be able to run your own practice

Cons:

•  Typically takes eight years of schooling for to become a dentist — four years of undergraduate school and four for dental school

•  May have a sizable student loan to pay off after graduation

•  May need to be on call for dental emergencies

•  Work often requires making precise movements on a small scale, which can be physically taxing over time

💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

The Takeaway

Dentistry can be a rewarding career, but you’ll need to be prepared for the hard work and high costs it requires. It takes most people eight years of schooling to be a dentist, and a typical dental school graduate owes $296,500 in student loan debt.

While that amount of debt can be overwhelming, keep in mind that dentists often command a high salary and typically enjoy job stability. If you’re passionate about helping patients — and are looking for a stable, flexible, well-paying job — dentistry may be the right fit for you.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the highest-paying dentist job?

The top 10% of general dentists earn more than $239,200 per year. The highest-paying dentist jobs are typically in oral and maxillofacial surgery, where professionals perform complex surgical procedures on the face, mouth, and jaw. These specialists often earn the most due to their advanced training, expertise, and the complexity of the procedures they perform compared to general dentistry.

Do dentists make $100K a year?

Yes, many dentists, even ones just starting out, can earn $100,000 or more a year.

How much do dentists make starting out?

Dentists who have just completed dental school can earn a median salary of $179,210 per year, according to the most recent data from the U.S. Bureau of Labor Statistics. That figure includes bonuses and overtime pay.


Photo credit: iStock/Prostock-Studio

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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A smiling female veterinarian in a white coat listens to a fluffy white dog’s chest with a stethoscope.

How Much Does a Veterinarian Make a Year?

Being a veterinarian doesn’t just give you an opportunity to work with animals all day — you could also earn good money. According to the U.S. Bureau of Labor Statistics, the median annual salary for a vet is $125,510.

However, the profession requires a doctor of veterinary medicine degree, which generally takes four years to complete. Is it worth the extra education to become a veterinarian? Let’s find out.

Key Points

•   The mean annual salary for veterinarians in the U.S. is $125,510, according to the Bureau of Labor Statistics.

•   Salaries can vary significantly based on geographic location, with higher pay in urban areas and lower pay in rural regions.

•   More experienced veterinarians and those with specialized training often earn higher salaries.

•   Veterinarians working in private practices, research, or academia may have different salary ranges and benefits.

•   The demand for veterinarians is expected to grow, driven by an increasing pet population and advancements in veterinary medicine.

What Are Veterinarians?

Veterinarians are medically licensed doctors whose patients are animals. Just like a doctor for humans, vets ensure their patients are healthy by diagnosing issues, treating injuries, and administering vaccinations.

Some veterinarians only work with certain animals, such as horses, or have specialties like immunology, anesthesia, or dentistry.

It typically takes eight years to become a veterinarian, including four years of undergraduate education and four years of veterinary school.

Recommended: What Trade Makes the Most Money?

Check your score with SoFi

Track your credit score for free. Sign up and get $10.*


How Much Do Starting Veterinarians Make?

The entry-level salary for a veterinarian is less than those with many years of experience. According to the BLS, veterinarians in the lowest 10% earned less than $70,350, whereas those in the highest 10% earned over $212,890.

Starting salaries will vary, too, based on location and whether or not the practice is private or corporate. Corporate salaries tend to start higher, but the potential to earn more may be larger when working for a private practice. Some practices may also offer a sign-on bonus.

💡 Quick Tip: When you have questions about what you can and can’t afford, a spending tracker app can show you the answer. With no guilt trip or hourly fee.

What Is the Average Salary for a Veterinarian?

The average hourly rate for a veterinarian is $60.34, though with 10 years or more of experience, that amount could surpass $100 per hour.

Now, how much does a vet make a year? Depending on a host of factors, a vet could earn anywhere from $70,350 on the lower end to $212,890 or more on the higher end.

Recommended: What Is Competitive Pay?

What Is the Average Veterinarian Salary by State for 2024?

Interested in the highest-paying jobs by state so you can see what salaries are like where you live? Here are the state-by-state mean wages for vets.

State Annual Mean Wage
Alabama $112,070
Arizona $190,600
Arkansas $105,850
California $168,280
Colorado $123,010
Connecticut $142,320
District of Columbia $165,020
Florida $142,040
Georgia $124,960
Hawaii $120,300
Idaho $117,810
Illinois $157,950
Indiana $123,960
Iowa $109,110
Kansas $110,250
Kentucky $107,690
Louisiana $144,490
Maine $136,960
Massachusetts $161,170
Michigan $121,640
Minnesota $121,270
Mississippi $108,120
Missouri $128,310
Montana $94,250
Nebraska $87,250
Nevada $134,010
New Hampshire $143,510
New Jersey $158,100
New Mexico $131,560
New York $149,360
North Carolina $129,440
North Dakota $107,060
Ohio $130,370
Oklahoma $122,640
Oregon $121,000
Pennsylvania $140,390
Rhode Island $139,830
South Carolina $127,710
South Dakota $97,090
Tennessee $129,370
Texas $130,770
Utah $140,180
Vermont $155,130
Virginia $133,020
Washington $154,770
West Virginia $135,660
Wisconsin $118,030
Wyoming $104,850

Source: U.S. Bureau of Labor Statistics

Veterinarian Job Considerations for Pay and Benefits

The amount you actually get paid as a veterinarian will depend on several factors. For instance, you probably won’t make as much money when you’re fresh out of veterinary school as you would after working in the field for a decade or more. And as the chart above shows, the state where you decide to live will also influence how much you earn.

Other factors that can play a role include whether you choose to work for a corporate practice or private practice, whether you manage staff, and whether you pursue a specialty field.

No matter what your take-home pay is, online tools like a money tracker app can help you create budgets and keep tabs on your finances.

Pros and Cons of Being a Veterinarian

Before you sign up for veterinary school, let’s look at the benefits and drawbacks of becoming a vet.

Pros

If you love animals, few jobs will put you in as close contact with them as being a vet. On any given day, you could see dogs, cats, snakes, turtles, rabbits, and even horses!

And if you’re looking to make good money, being a veterinarian is a great option. Even starting out, vets could potentially draw a $100,000 salary.

The veterinary industry is stable, which can be appealing if you’re considering opening your own practice. And unlike other medical professions, veterinarians usually keep standard office hours.

💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

Cons

The profession has a few drawbacks to consider. For instance, you may be required to perform emergency services after hours.

Once you finish your undergraduate degree, you’ll also need to complete veterinary school before you can start working. A typical program takes around four years to complete, so you may need to earmark a portion of your salary to pay back medical school student loans.

And like most jobs in the medical field, being a veterinarian can be emotionally taxing. After all, you’ll be responsible for putting fatally wounded or older animals to sleep, and that can be difficult.

Recommended: 30 Low-Stress Jobs for Introverts

The Takeaway

The mean annual salary for veterinarians in the U.S. is approximately $125,510, but this figure can vary widely depending on location, experience, and specialization. While urban areas and specialized fields tend to offer higher pay, the overall job outlook for veterinarians remains positive.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the highest paying veterinarian job?

On the high end, veterinarians can make $212,890 or more per year.

Do veterinarians make over 100K a year?

Yes, many veterinarians earn over $100,000 per year, but that varies depending on their experience, where they live, and their responsibilities.

How much do veterinarians make starting out?

Just starting out, veterinarians may make on the low end of the pay scale. The bottom 10% of veterinarians make $70,350 per year, but this can increase with experience.


Photo credit: iStock/Viktor Cvetkovic

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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