Top 25 Best Money Earning Apps Without Investment

Get ready, bcoz I’m about to share a secret – you don’t need any money to start making some extra cash! You can earn money by doing enjoyable activities like answering surveys, playing games, watching videos, or getting cashback when you shop. These great apps allow you to make money during your free time, and even a small amount of effort can accumulate over time.

Nowadays, earning money online is more accessible than ever. Many people search for the best money earning apps without investment. They want to boost their income without risking their savings. Whether you’re a busy student, a stay-at-home parent, or just someone seeking an easy way to earn some extra cash, this guide will introduce you to the best apps, explain their functionality, and assist you in choosing the right one. Get ready to transform your free time into additional income!

Understanding Money Earning Apps

What Are Money Earning Apps?

Money earning apps are digital platforms that reward you for completing tasks, taking surveys, playing games, or shopping online. They turn everyday activities into cash or gift cards all without any financial investment on your part. Here’s a quick look at how they work:

• Types of Apps
  • Survey & Cashback Apps: Earn by sharing opinions or shopping online.
  • Gaming & Micro-Task Apps: Get rewarded for playing games or completing quick tasks.
  • Freelance & Task Marketplaces: Offer your skills to a global audience.
  • Daily Reward Platforms: Complete small daily challenges for steady rewards.
• How They Work
  Most of these apps use a points system where every completed task adds points to your balance. You can later convert these points into cash (via PayPal), gift cards, or other rewards. Some apps even offer bonus points for referrals or special challenges.

Choosing the Right App for You

Before explaining a platform, consider these key factors

• Look for apps with strong reviews and clear privacy policies.
• Understand how much you can earn per task and check out the cash-out limits, some platforms let you redeem rewards as little as $2, while others require a higher balance.
• A clean, simple interface and good customer support make for a smoother experience.
• Most tasks are beginner-friendly, though freelancing apps might need specialized skills. Also, check for any minimum age requirements.

Top 22 Best Money Earning Apps Without Investment

Survey and Cashback Apps

1. Swagbucks

Swagbucks is one of the oldest and most popular money-making apps. It rewards you with SB points for taking surveys, playing games, and earning cashback on online purchases. You can redeem your SB for cash via PayPal, donations, or gift cards from top retailers like Amazon.

• How Much You Can Earn: Approximately $40 per month
• Payment Options: Gift cards, PayPal top-ups
• Minimum Cash-Out: $2–$5
• Where You Can Use It: Worldwide (higher earnings in Western Europe and the United States)
• Supported Devices: Android and iOS

Earning Insights
Spending a couple of hours daily can realistically earn you around $40 per month. Surveys tend to be the most rewarding, with an average survey earning about 50 SB (approximately $0.50). Multitasking like running a survey while watching a video and referring friends (to earn bonus points known as SwagUps) can boost your earnings further.

Pros

• Millions of users rely on Swagbucks.
• Multiple ways to earn, from surveys to cashback.
• Quick redemption starting at $2.

Cons

• Best opportunities often favor users in Western Europe and the U.S.
• Some activities like videos and games have been reduced over time.

2. EarnKaro

EarnKaro is a cashback and referral app that lets you earn money by sharing deals and shopping online at partner stores. It is very popular in India.

• How Much You Can Earn: Varies; many active users earn a few hundred rupees per month.
• Payment Options: Bank transfer, UPI, and wallet transfers.
• Minimum Cash-Out: Around ₹100 (may vary by deal).
• Where You Can Use It: India
• Supported Devices: Android and iOS

Earning Insights
You earn cashback on your online purchases and get bonus rewards when your friends shop using your shared deals. Your earnings depend on the offers available and how many friends you refer.

Pros

• Easy to use
• Lots of partner stores and deals
• Extra earnings from referrals

Cons

• Mainly for users in India
• Cashback amounts may be small on low-cost purchases
• Deal availability can vary

3. InboxDollars

Earn money by completing surveys, watching videos, playing games, and reading emails. Unlike other apps, it pays out in cash directly.

• How Much You Can Earn: Around $20 per month
• Payment Options: Gift cards, direct cash via check or PayPal
• Minimum Cash-Out: Typically around $30 (sometimes lower with promotions)
• Where You Can Use It: Primarily in the United States and Canada
• Supported Devices: Android and iOS

Earning Insights
With about an hour of daily activity, you can earn roughly $20 per month. Bonus tasks and high-paying surveys can boost your earnings.

Pros

• Direct cash rewards no need to convert points
• Wide range of tasks

Cons

• Higher cash-out threshold
• Limited geographic reach (mainly North America)

4. Freecash

Freecash is an app that rewards you for completing surveys, watching videos, and doing small tasks online. You earn points that can be turned into real money.

• How Much You Can Earn: Typically, users earn around $10–$30 per month (depending on activity).
• Payment Options: PayPal, bank transfer, and gift cards.
• Minimum Cash-Out: Around $1 to $5.
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS (and sometimes via web)

Earning Insights
Points accumulate for every task you complete. The more tasks you finish, the more cash you can earn. Your monthly earnings depend on your activity.

Pros

• Simple tasks and surveys
• Multiple ways to earn points
• Low minimum cash-out threshold

Cons

• High-paying tasks are limited
• Earnings may be low if you do only a few tasks

5. Survey Junkie

Connects you with companies seeking consumer opinions through surveys, with a clear points system to track your earnings.

• How Much You Can Earn: Approximately $30 per month
• Payment Options: PayPal, e-gift cards
• Minimum Cash-Out: Around $10 equivalent in cash
• Where You Can Use It: Worldwide (best in the U.S., Canada, and Australia)
• Supported Devices: Android and iOS

Earning Insights
Regular survey participation can yield about $30 per month—focus on high-paying surveys to maximize earnings.

Pros

• Easy-to-use interface
• Transparent conversion from points to cash

Cons

• Mainly survey-based (can get repetitive)
• Survey frequency may vary by location

6. CashBoss

CashBoss is a reward app that pays you cash for completing surveys, watching videos, and doing other small tasks.

• How Much You Can Earn: Generally, users can earn about $10–$30 per month.
• Payment Options: PayPal (and possibly bank transfers).
• Minimum Cash-Out: Around $5.
  Where You Can Use It: Often aimed at Indian users (check regional availability)
• Supported Devices: Android and iOS

Earning Insights
You earn cash rewards for each task you finish. Your total earnings depend on how many tasks you complete and how often you use the app.

Pros

• Quick and easy tasks
• User-friendly design
• Fast rewards for tasks completed

Cons

• May be available mainly in certain regions
• Some tasks have strict qualification rules

7. mRewards

mRewards is a cashback and rewards app that gives you points for shopping, taking surveys, and completing simple tasks. These points can be exchanged for cash or gift cards.

• How Much You Can Earn: Earnings vary; many users earn a few hundred rupees or dollars per month.
• Payment Options: Bank transfer, PayPal, and gift cards.
• Minimum Cash-Out: Typically around $5.
• Where You Can Use It: Mainly in India (and possibly other countries; check the app details)
• Supported Devices: Android and iOS

Earning Insights
Your earnings depend on the number and value of tasks you complete. The more you shop or take surveys, the more points you collect.

Pros

• Offers many ways to earn rewards
• Combines cashback from shopping with task-based earnings
• Simple and clear user interface

Cons

• Some offers may not be available in all regions
• The points-to-cash conversion can be slow for small tasks

8. Google Opinion Rewards

A simple survey app that sends you short surveys—usually taking less than three minutes to complete.

• How Much You Can Earn: Around $5 per month
• Payment Options: Google Play credits, and in some regions, PayPal cash
• Minimum Cash-Out: Often around $2
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Most users earn about $5 a month, making it a great option for a little extra cash without much time.

Pros

• User-friendly and fast
• Minimal effort required

Cons

• Modest earnings overall
• Survey availability can vary

9. Rakuten

Earn cashback by shopping online through Rakuten’s partner links.

• How Much You Can Earn: Up to $100+ per month (based on shopping habits)
• Payment Options: Gift cards, PayPal cash
• Minimum Cash-Out: Cashback accumulates over time
• Where You Can Use It: Worldwide (best for U.S. and European users)
• Supported Devices: Android and iOS

Earning Insights
Regular online shoppers can earn up to $100 or more per month—especially during sales or promotions.

Pros

• Effortless savings while shopping
• Attractive bonuses with promotions and referrals

Cons

• Earnings depend on your spending habits
• Focuses only on shopping rewards

Gaming & Micro-Task Apps

10. Mistplay

Rewards you for playing mobile games by giving you points that can be exchanged for gift cards.

• How Much You Can Earn: Approximately $20 per month
• Payment Options: Gift cards (Amazon, Google Play)
• Minimum Cash-Out: Around $5–$10
• Where You Can Use It: Worldwide
• Supported Devices: Android (iOS availability may vary)

Earning Insights
Active gamers can earn about $20 per month, depending on their play time.

Pros

• Fun way to earn rewards while gaming
• Easy-to-understand points system

Cons

• Earnings depend on how much you play
• Best for those who enjoy mobile gaming

11. Sweatcoin

Converts your daily steps into a digital currency (Sweatcoins) that can be traded for rewards.

• How Much You Can Earn: Approximately $10 per month
• Payment Options: Discounts, rewards, occasional cash conversions
• Minimum Cash-Out: Varies by reward
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
If you walk regularly, you might earn around $10 per month.

Pros

• Encourages fitness
• Automatic step tracking

Cons

• Modest earnings unless you walk a lot
• Fewer options for direct cash rewards

12. ReceiptPal

Earn points by taking photos of your shopping receipts.

• How Much You Can Earn: Approximately $10 per month
• Payment Options: Gift cards, PayPal
• Minimum Cash-Out: Around $5–$10
• Where You Can Use It: Worldwide (best in developed markets)
• Supported Devices: Android and iOS

Earning Insights
Regular use based on your shopping habits can earn you around $10 per month.

Pros

• Easy to use while shopping
• Quick photo uploads

Cons

• Earnings depend on how often you shop
• Points per receipt can vary

13. FeaturePoints

Earn points by trying new apps, watching videos, and completing surveys. Convert these points into various rewards.

• How Much You Can Earn: Approximately $15 per month
• Payment Options: PayPal, gift cards, Bitcoin
• Minimum Cash-Out: Around $5
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Regular engagement in tasks can net you about $15 per month.

Pros

• Offers a variety of tasks
• Flexible payout options

Cons

• Some tasks may require more time than they pay
• Task availability varies by region

Freelancing and Task-Based Marketplaces

14. Fiverr

A freelance marketplace to offer services like design, writing, programming, and more.

• How Much You Can Earn: $500+ per month (varies with skill level)
• Payment Options: Direct bank transfers, PayPal
• Minimum Cash-Out: Varies by gig
• Where You Can Use It: Worldwide
• Supported Devices: Android, iOS, and Web

Earning Insights
Beginners might earn a few hundred dollars per month; experienced freelancers often earn much more.

Pros

• High earning potential
• Global client base

Cons

• High competition
• Earnings may start slow

15. Upwork

Connects professionals with short-term gigs and long-term projects across various fields.

• How Much You Can Earn: $500–$5,000 per month (highly variable)
• Payment Options: Direct deposits, PayPal, wire transfers
• Minimum Cash-Out: Depends on contract terms
• Where You Can Use It: Worldwide
• Supported Devices: Android, iOS, and Web

Earning Insights
Earnings vary widely based on skills, project availability, and time invested.

Pros

• Diverse project opportunities
• Secure payment system with escrow

Cons

• Service fees deducted from earnings
• Can be competitive for new freelancers

16. OfferUp

A local marketplace app that lets you sell items you no longer need.

• How Much You Can Earn: Varies widely (commonly around $100 per month)
• Payment Options: Direct cash sales, mobile payments
• Minimum Cash-Out: No fixed threshold; depends on sales
• Where You Can Use It: Primarily in the U.S.
• Supported Devices: Android and iOS

Earning Insights
Earnings depend on the number of items sold; many users earn around $100 per month with regular activity.

Pros

• No investment needed, sell what you already own
• Focus on local buyers

Cons

• Sales can be inconsistent
• Requires effort to manage listings and negotiations

Noteworthy and Daily Earning Platforms

17. Pawns.app

A daily earning platform offering micro-tasks and challenges to earn money consistently.

• How Much You Can Earn: Approximately $150–$600 per month
• Payment Options: Gift cards, PayPal cash
• Minimum Cash-Out: Varies (daily challenges may start low)
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Completing daily tasks can earn you between $5 and $20 per day, adding up to around $150–$600 per month.

Pros

• Consistent daily income
• Fun, gamified tasks

Cons

• Task availability may vary
• Inconsistent earnings on some days

18. Monetha

Offers quick micro-tasks and surveys for earning a modest extra income.

• How Much You Can Earn: Around $50 per month
• Payment Options: Gift cards, PayPal top-ups
• Minimum Cash-Out: Typically around $5
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
A few minutes of tasks several times a day can add up to about $50 per month.

Pros

• Quick and simple tasks
• Low cash-out threshold

Cons

• Not designed for high-income generation
• Task frequency can vary

19. Branded Surveys

Connects you with companies for surveys that reward your opinions with points, which can be converted to cash or gift cards.

• How Much You Can Earn: Approximately $30 per month
• Payment Options: Gift cards, PayPal
• Minimum Cash-Out: Around $10
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Regular survey participation can earn you about $30 per month.

Pros

• Reputable survey opportunities
• Frequent survey invitations

Cons

• Some surveys may take longer than the payout
• Availability depends on your demographic

20. Toluna

A community-driven survey app where you earn rewards by sharing opinions and engaging with others.

• How Much You Can Earn: Around $20 per month
• Payment Options: Gift cards, PayPal
• Minimum Cash-Out: Typically $5–$10
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Regular participation in surveys and discussions can earn you about $20 per month.

Pros

• Community-focused experience
• Regularly updated topics

Cons

• Survey availability can be inconsistent
• Generally lower payouts

Other Noteworthy Money Earning Apps

21. Shopkick

Earn points by visiting stores and scanning items; points can be exchanged for gift cards or discounts.

• How Much You Can Earn: $5–$20 per month
• Payment Options: Gift cards and discounts
• Minimum Cash-Out: $2.00 (for gift cards, note that PayPal cash may require a higher threshold)
• Where You Can Use It: Primarily in the United States
• Supported Devices: Android and iOS

Earning Insights
Typically, users earn around $5–$20 per month, depending on how often they visit stores.

Pros

• Easy to use
• Rewards for everyday shopping activities

Cons

• Rewards may not add up quickly

22. Givvy

Offers surveys and small tasks to earn extra cash or gift cards; designed for quick, everyday tasks.

• How Much You Can Earn: Approximately $10 per month
• Payment Options: Cryptocurrency, gift cards, and various cash-out options
• Minimum Cash-Out: Around $0.35
• Where You Can Use It: worldwide (check website for details)
• Supported Devices: Android

Earning Insights
Regular users might earn around $10 per month.

Pros

• Simple interface
• Low earning thresholds

Cons

• Limited survey availability

23. AppKarma

Earn points by downloading and trying new apps; points can be converted into cash or gift cards.

• How Much You Can Earn: Approximately $10–$15 per month
• Payment Options: Cash or gift cards (via points conversion)
• Minimum Cash-Out: $5.00
• Where You Can Use It: Worldwide
• Supported Devices: Android and iOS

Earning Insights
Consistent users may earn around $10–$15 per month.

Pros

• Multiple tasks available
• Flexible earning opportunities

Cons

• Rewards vary by region

24. Foap

Sell your photos online and earn cash when brands or individuals purchase them.

Earning Insights
Earnings can vary widely from $10 to $100 per month-depending on demand.

Pros

• Great for creative individuals
• Flexible work schedule

Cons

• Earnings depend on photo quality and market demand

25. Meesho

A reselling app that lets you earn money by selling products through your social network-no upfront investment needed.

• How Much You Can Earn: Varies significantly-with potential for substantialmonthly income ($100+ per month)
• Payment Options: Direct bank transfers
• Minimum Cash-Out: None (Depends on you)
• Where You Can Use It: Primarily in India
• Supported Devices: Android, iOS, and Web

Earning Insights
Earnings depend on your sales volume and profit margins; some users generate significant monthly income.

Pros

• No upfront costs
• Flexible business model

Cons

• Success depends on marketing skills and network size

Final Thoughts

Money-making apps are a cool and simple way to earn some extra cash without spending any money. You can try apps like Swagbucks and Survey Junkie to answer questions and get paid. If you love playing games, apps like Mistplay and Sweatcoin let you earn while having fun. If you’re good at something, like drawing or writing, you can use apps like Fiverr and Upwork to offer your skills and make money. There are also daily apps like Pawns.app and Monetha, or others like Shopkick and Foap, that give you even more ways to earn. It’s easy, fun, and perfect for anyone who wants to make a little extra money!

Tips

• Choose apps with good reviews and clear policies.
• Even small rewards add up over time.
• Try different apps to find the ones that work best for you.

By learning how these apps work and choosing ones that are safe and easy to use, you can slowly build up some extra money, even if it’s just $40 a month or more. Remember, doing a little bit every day can add up over time!