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Apps that earn you money are an easy way to earn some side hustle cash while on the go. Usually they don’t require a lot of effort, and they’re extremely convenient since they can be done from anywhere with an internet connection.

Use all of these apps together and you should be able to easily pull in an extra $500/month. We consider the best earn money apps those that pay at a decent rate with little work involved.

Keep in mind that there’s no exact ranking to this list, and that all of the apps on this list are FREE. Here’s a list of the 20 best earn money apps for Android.

Table of Contents

1. Ibotta

• Registration Bonus: $10 with after redeeming your first offer

Ibotta has been around for some time now, and is now one of the best money making apps out there. Ibotta was originally created to pay you for taking pictures of your grocery receipts and giving you cash back in exchange.

However, they’ve recently expanded to include many more categories. Now you can earn cash back on electronics, meals at restaurants, alcohol and more.

Ibotta also has a cash back portal feature that gives you cash back for shopping online through one of their partner apps.

For example, they currently offer 10% in cash back when you shop through Groupon. Open the app, select “Groupon,” and your Groupon app will open on your phone (or you’ll be asked to download it if you don’t have it already installed).

Simply make your purchase like you normally would, and 10% of your total purchase price will be deposited into your Ibotta account.

You need a minimum of $20 to cash out for either PayPal, Venmo or a gift card of your choice. The best part? You get a $10 bonus with promo code once you claim your first offer.

2. Drop

• Registration Bonus: $1 once you link your credit/debit card

Drop is a recently-launched app in the money making app world, but don’t let that fool you. They’ve quickly expanded to be one of the best cash back apps out there.

When you link your credit card or debit card to the Drop app and make a purchase using that card, you receive cash back. No coupons, no scanning receipts, and no work.

Keep in mind that you can only select up to a maximum of 5 retailers. Some examples include WalMart, Target, various grocery stores and more.

Each time you make a purchase at one of these linked retailers, you earn a certain amount of points. These points can be exchanged for a gift card of your choice.

Not only that, but they frequently have other high-earning offers. For example, a few weeks ago they were willing to pay you $80 to sign-up for a Capital One Credit Card by using their link (this card also came up with a $400 sign-up bonus).

Earn a $1 bonus when you sign-up using promo code frugal4less and link your first credit/debit card.

3. Shopkick

• Registration Bonus: 250 kicks

Shopkick is one of the best rewards apps out there. Earn cash at their partner retailers by walking into stores, scanning receipts, scanning barcodes, shopping online or referring friends.

Shopkick has been expanding rapidly, so it wouldn’t surprise me if they added more features in the future.

My favorite part about this app is their walk-in store feature. Turn on your bluetooth, and whenever you walk into one of their partner retailers the app will send you a notification.

Verify that you’re in that store and Shopkick will give you points in the form of “kicks.”

My other favorite feature about Shopkick is that they also pay you to scan receipts. When you buy certain products at their partner retailers, you earn cash back directly deposited into your Shopkick account.

You need a minimum of $5 to cash out, and you get 250 kicks for signing-up as a new user.

4. ShopTracker

• Registration Bonus: $3

Want to earn $3 every month for doing nothing? Link your Amazon account to the ShopTracker app and they give you a $3 Visa gift card at the end of each month.

To get started, all you need to do is answer a few questions about your Amazon shopping experience. From there, install the app to your phone and link your Amazon account.

Once this is done, you’ll be granted your first $3 as a bonus. From there on out, for every month that you leave the app installed you receive an additional $3 Visa gift card. Your first year you’re essentially earning $39 in passive income since no work is required on your part.

ShopTracker is able to pay you because they track information about your Amazon purchases. This usually includes the item, the price it was purchased at, the date of purchase, etc.

Keep in mind that your name is separated from the data, so there’s no way to trace the information back to you.

5. Nielsen Computer & Mobile Panel

• Registration Bonus: None
• Join Nielsen Computer & Mobile Panel

The Nielsen Computer & Mobile Panel app is very similar to the ShopTracker app mentioned above. Earn cash by installing their app to your phone and leaving it installed.

They promise that you’ll earn $50 each year that you leave the app installed.

The best part? You can install the app on multiple devices, meaning the more times you install the app, the more you get paid.

Although there’s no limit to the amount of devices you can install the app on, there tends to be a regional limit. If many people in your area have signed-up for the app, you may not be able to join.

You can also participate in their desktop software program. For each month you have software installed you’re automatically entered in a monthly sweepstakes to earn thousands of dollars.

Like ShopTracker, all of your information is kept private with this Android money making app. There’s no way to track the data back to you directly.

6. Ebates

• Registration Bonus: $10 (in the form of a free gift card)

Ebates has been around now as one of the most popular shopping portals out there. If you’re not familiar with how shopping portals work, you earn cash back simply by shopping through one of their partner retailers.

Ebates has listed over 2,000 affiliate links on their site to over 2,000 different retailers. When you click on one of these links, you’ll be redirected to that retailer’s site to make a purchase, thus giving them a small commission.

Using cookie technology, Ebates automatically tracks your your total purchase price. Instead of keeping this commission all to themselves, you get a portion of it back (if not all of it) in the form of cash back.

Ebates is also the only portal that offers an in-store cash back feature. Link your credit card and make a purchase at certain stores.

Earn a $10 bonus in the form of a gift card of your choosing when you register as a new user. Refer your friends for an additional $10 bonus.

7. Swagbucks

• Registration Bonus: $5 – $10

Swagbucks is one of the most popular rewards app out there. Earn cash for completing tasks that you already do on a daily basis such as watching videos, playing games, filling out surveys, shopping online, clipping coupons, surfing the web and more.

My favorite thing about Swagbucks is their passive video watching feature. When you decide to watch videos to earn cash, you can let the videos run continuously without the need to hit any type of button to play the following video. You can let the videos play while you sit back and enjoy.

If you’re opposed to watching videos or want to earn cash more quickly, we suggest completing surveys. I usually find that I can earn a quick $5 for about 30 minutes of my time.

Each time you complete a task you earn points in the form of Swagbucks. These Swagbucks can be exchanged for PayPal deposits or for gift cards of your choosing. You need a minimum of $5 to cash out.

Swagbucks also has an excellent referral program giving you 10% of your friends’ earnings for life. Right now they’re currently offering a $5 registration bonus, but we’ve seen this as high as $10.

8. Acorns

• Registration Bonus: $5

Acorns is a robo-advisor investment app that helps you invest in your future $5 at a time. Acorns gives you a quick and easy way to invest in the stock market without any previous investment knowledge.

A group of financial advisors came together to assess the safest and most reliable securities to invest in the stock market. Most of the time you’ll be investing in as much as thousands of stocks at a time.

The reason for this is because financial advisors well agree that the more diversified your portfolio, the less risk-adverse it is, and stocks generally tend to go up over time.

When you first sign-up, you’ll fill-out a short survey to determine your risk level. From there, Acorns will automatically take your cash and invest it in the appropriate securities for you. You only need $5 each time you wish to invest, and there’s no brokerage fees like with other brokerage firms.

My favorite part about Acorns is their spare change feature. Let’s say you spend $5.97 on a product. Link your credit card and Acorns will automatically round your purchase up to the next one dollar ($6 in this case).

The $.03 cent difference will be automatically placed in your Acorns account and used for future investments. Still skeptical? You can get started for free since Acorns gives you a $5 bonus to start investing immediately. Some robo-advisors come with a fee, but Acorns is 100% free.

9. Pinecone Research

• Registration Bonus: None

Pinecone Research is one of the best survey apps around. They pay you at a flat rate of $3 per survey, and the average survey takes anywhere between 10-15 minutes to complete.

At this rate, you know you’re earning at a minimum rate of $12 per hour, but most likely closer to around $15.

The only downside? Pinecone Research doesn’t have that many surveys available. Each time a new survey is available, you’ll receive an email invitation to complete the survey.

On average, I would say that I receive about 2-3 survey invitations per month. While it isn’t much, I’m still earning quite a good amount.

Pinecone Research is somewhat strict about their participants since they want only good survey takes who provide consistently accurate answers. For this reason, their participants are somewhat limited.

If you find that Pinecone Research isn’t taking on any new members, try back in a month or two and reapply.

10. Fetch Rewards

• Registration Bonus: $1.50 with promo code HH3MN and scan your first receipt

Fetch Rewards is an app that works very similarly to Ibotta. Earn cash for taking pictures of your receipts to one of their partner retailers and receive a certain amount of cash back.

In comparison to other receipt scanning apps out there, Fetch Rewards tends to be one of the highest-paying ones. I usually find that I can earn anywhere between $.50 cents to $4 per offer. Keep in mind that you can claim more than one offer per receipt, but each receipt can only be used once.

Fetch Rewards is a fairly new app that pays you to take photos of your receipts, but they’re quickly making their way to the top due to their abundant offers (and expanding) and great payout.

You need a minimum of $3 in cash back to cash out for a gift card of your choosing or for a Visa gift card.

Receive a $1.50 bonus when you sign-up using promo code HH3MN and scan your first receipt. You can also refer your friends. You get a $1.50 bonus, and so do they – you both win.

11. InboxDollars

• Registration Bonus: $5

InboxDollars is very similar to the Swagbucks app mentioned above. Earn cash completing tasks that you normally do on a daily basis. This includes surfing the web, watching videos, taking surveys and more.

The easiest way you’re going to earn with InboxDollars is by watching videos. Unfortunately, they don’t offer a passive option. This means that you’re going to have to click a “next” button in order to watch the next video.

Another great way to earn with InboxDollars is to take surveys. Expect to earn around $10 per hour, but this is only if you stick to the higher-paying surveys. There’s a mix of low-paying and high-paying ones, but we suggest sticking to the ones that pay well to make it worth your while.

InboxDollars also has an excellent referral program, giving you 10% of all of your friends’ earnings for life.

The minimum cash out is for $25, which may seem a bit high. However, I usually find that I can reach this amount rather quickly, especially since they give you a $5 bonus just for signing-up as a new member.

12. PointClub

• Registration Bonus: $5

PointClub is another one of my favorite survey apps out there for Android due to the fact that they offer a high payout rate. I find that I can usually earn anywhere between $10 – $15 per hour.

PointClub has a rewards system that gives you more for logging-in to your account on a daily basis. Each time you log-in for 5 days consecutively, you’re given a 10% bonus on all of your points earned. This can be done up to a maximum bonus of 100%, thus doubling your earnings.

However, forget to log-in for a day and that bonus resets to 0%. At this rate I can still usually earn at about $7 – $8 per hour, but with the added bonus I can usually get up to around $15 per hour.

The great thing about PointClub is that they even give you a $5 bonus for signing-up as a new user. Unfortunately, you need a minimum of $25 to cash out for a gift card of your choosing. Yet I usually don’t find it a problem to reach this amount since the payout rates are quite high.

13. SavvyConnect

• Registration Bonus: None

SavvyConnect is part of the parent company SurveySavvy, a site that pays you for taking surveys online. Like the Nielsen Computer & Mobile Panel, you get paid to leave this money making app installed on your Android phone.

SavvyConnect works by collecting your data such as what apps you have installed, how often you unlock your phone, etc. From there, it sells this information to companies in the hopes of helping them improve their products and services.

SavvyConnect protects your information by keeping your name separated form the data that you provide. In other words, there’s no way to link the information that they gather back to you.

For each device that you have the app installed on, you can earn a maximum of $5 per month. There’s a limit to 3 devices, meaning you can earn up to $15/month or $180 per year. Not bad for doing nothing.

A great way to earn even more with SavvyConnect is by inviting your friends. For each friend that you refer, you earn anywhere between $5 and $15 when they complete their first “project.” And for any friends that they refer, you can earn between $2 – $6.

We highly recommend SavvyConnect due to the fact that when you become a member, you’ll be given exclusive access to the higher-paying surveys on the SurveySavvy site. These surveys tend to pay quite well.

14. Adme

• Registration Bonus: $1 with promo code bNALpS6gKV

Adme is a lockscreen app that pays you to unlock your phone screen. Keep in mind that most lockscreen apps are only available for Android since iOS doesn’t typically support them.

Each time you unlock your phone, an ad will appear. Whether you engage with the ad or not, you still have the potential to earn with Adme.

It’s difficult to determine exactly how much Adme pays, and they don’t always pay each time you unlock your screen. For this reason, we suggest unlocking your screen like you normally would.

We estimate that you can earn about $10 – $15 in extra cash per month. However, if you’re a person that rarely uses their phone, this amount can be quite less.

Compared to the other apps that pay you to lock your screen, this is one of the higher paying ones out there. Earn a $1 bonus when you sign-up using promo code bNALpS6gKV. You need a minimum of $10 to cash out to your PayPal account.

Refer your friends for additional cash. Each time they sign-up using your promo code, you both get a $1 bonus.

15. TopCashBack

• Registration Bonus: $10

TopCashback is another shopping portal that works exactly like the Ebates app mentioned above. They partner with thousands of retailers across the web and place all of their links onto one page.

When you click on one of these links, you’re automatically redirected to that retailer’s page. From there, each purchase you make will give you cash back depending on the retailer and the total purchase price.

The main difference between TopCashback and Ebates is their cash back rates. On average, I find that TopCashback tends to offer some of the highest cash back rates out there when it comes to shopping portals. Sometimes even double the amount.

However, there are always some exceptions. You’ll just have to compare between the two each time you want to shop at a particular store. Keep in mind that cash back rates for portals frequently change.

The one thing that TopCashback doesn’t have that Ebates does have is their in-store cash back feature.

You get a $10 bonus as a new user, but you need a minimum of $10 in earned cash back to cash out. Cash out to PayPal or for gift cards. When you select to cash out for a gift card, you typically get a 3% – 5% bonus depending on the gift card you cash out for.

16. Qmee

• Registration Bonus: None

Qmee is an Android app that pays you to surf the web. The great thing about this app is that it includes more than one search engine: Google, Amazon, Yahoo, Bing and more.

Qmee works by analyzing your search term and linking it with their partners. If there’s a correlation, a small pop-up will appear in your web browser. This pop-up contains ads and a dollar-amount next to the ad.

This amount is how much you will get paid to click on the ad. That’s right – you know how much you’ll get paid before you actually make the click.

On average, I find that ads will pop-up once or twice a day given the amount of time I browse the internet. Each ad typically pays anywhere between $.05 to $.07 cents on average.

While the amount isn’t much, it only takes a second to click the ad, and you’re essentially earning for something you already do on a daily basis.

Qmee also now has surveys that you can take for extra cash. I don’t find that I can earn that much through surveys, but it’s a nice option to have.

17. Dosh

• Registration Bonus: $5

Dosh is an app that was created in order to make it simple for you to earn cash for your everyday purchases. Here’s a quick breakdown of how to earn with the app:

• Linking your credit or debit card. When you make a purchase at one of their partner retailer’s after linking your credit/debit card, you automatically earn cash back in your Dosh account. There’s no coupons and no receipts required.
• Online shopping. Dosh also serves as an online shopping portal. Click on one of their partner retailers in the app and you’ll be redirected to that retailer’s page. From there, make a purchase like you normally would and receive a certain percentage back in cash back.
• Refer friends. Each time you refer a friend, you receive a $5 bonus when your friend makes their first purchase through Dosh.

I tend to find that the linked credit card offers are somewhat limited. However, it’s a nice option to have since no work is done on your part. It can also be stacked in addition to Drop to increase your amount of cash back.

18. VIPKID

• Registration Bonus: None
• Join VIPKID

VIPKID is great for those who actually want to earn a living through a mobile app. Get paid to teach students from China when you sign-up as an English teacher.

Here are some of the current requirements:

• Need to be a Native English Speaker
• Must have 1+ year or a minimum of 500 hours of teaching experience
• Undergraduate degree
• Will earn $18 – $22 per hour
• Earn up to $2,000 per month
• Lesson plans and course materials are all provided

While the payout of VIPKID is incredibly high at $18 – $22 per hour, this is because they only want high-quality teachers. This means that you need to have a lot of teaching experience beforehand.

Furthermore, you need to go through an interview process and give a teaching demonstration. VIPKID is probably the most difficult app to get approved for on the list of the Android money making apps, but it’s definitely the most rewarding in terms of payout.

Don’t have any teaching experience? You can get started with these other apps that also pay you to teach English online.

19. EarningStation

• Registration Bonus: $10

EarningStation is another rewards site that pays you for activities that you already complete on a daily basis. This includes watching videos, playing games, shopping online and more.

EarningStation doesn’t typically pay as high as its counterparts Swagbucks and InboxDollars, but they still have some good offers. We highly recommend either taking the surveys or watching videos for some of the easiest ways to earn money.

The great thing about EarningStation is that they give a $10 bonus when you sign-up for one of their partner sites.

Furthermore, they have one of the best referral programs on this list. You get 10% of your friends’ earning for life, but you also receive an additional $5 when your friends earn their first $5.

You only need a minimum of $1 to cash out to either PayPal or for Amazon gift cards.

20. NiceQuest

• Registration Bonus: 40 shells

NiceQuest is one of my favorite survey apps since they offer such a great payout rate. Not only that, but when you first register you’re given a 40 shell bonus, and you only need 45 shells to cash out for a $5 gift card.

You’re given 6 shells when you take your first survey, so you’ll have a total of 46 shells within your first few minutes of joining and can already cash out.

There are plenty of prizes and gift card options to choose from for cashing out, but as of yet they have not implemented a PayPal option.

The great thing about NiceQuest is that compared to a lot of other survey apps, their payout rate tends to be on the high side. If you want, you can also choose to use your shells to participate in prize drawings. Prizes includes physical prizes such as a Mac computer.

Final Thoughts

Keep in mind that the apps on this list are in no particular order or have any relevant ranking. However, the ones near the top of the list tend to be our favorites.

If you see an app that’s not on this list and should be, let us know in the comments below. We hope you enjoyed this list of the 20 best earn money apps for Android. Using all of these together, you should be able to pull in $600/month or more.

Thanks for reading and happy frugaling!

One of the best forms of income is passive income. That’s because it flows in while you’re busy doing other things. It can provide a valuable second income, that you can use to fund your retirement plan, get out of debt, or save up for your next vacation.

With the dozens of passive income apps available, you can find one for just about any income venture you can think of. Some are truly passive–you invest money or create a product or service–then the income rolls in without any further action on your part.

Others are what you might call semi-passive. They require a significant amount of effort up front, but then very little later on while maintaining a continuous cash flow.

There are many passive income apps available, offering a wide variety of ways to earn more money. You can sign up with any of these apps to start earning passive income that requires little time or effort.

Let’s take a look at the best passive income apps for a variety of income sources. You’re certain to find one that will work for you.

Shopping Apps

Shopping apps are a way to earn passive income through regular activity, like shopping. The shopping is certainly active, but since you’d be doing it anyway, the rewards you earn are true passive income. Just be careful you’re not spending money just to get the rewards, otherwise, you’ll end up spending more money than you earn.

Shopping portal rewards apps worth plugging into include:

1. Rakuten (Formerly Ebates)

Rakuten is probably the most popular shopping rewards app right now. You’ve likely heard of it as Ebates, but Rakuten has actually owned Ebates since 2014. Then in 2018, the company began integrating Ebates fully with Rakuten.

The app still works the same as always: it connects you with more than 2,000 online companies that pay cashback rewards. The rewards go to the company, which then splits them with the app user. It’s an excellent way to get cash back on your regular shopping activity. Check out our full review here.

2. Birch Finance

Birch Finance analyzes your regular spending, then helps you to maximize credit card rewards. It even recommends credit cards that are more suitable based on your spending patterns. Just be aware that cash back offers work best for people who pay off their balances in full each month. If you carry a balance, the interest charges may more than offset the rewards.

3. Seated

Seated is an app created specifically for restaurant dining. If you make a reservation through the app, you can earn gift cards worth as much as $60. This is an excellent way to generate gift cards if you’re a frequent diner.

Saving and Investing Apps

Savings and investing apps enable you to accumulate higher savings, either through earning investment income, or allocating a portion of your regular spending to savings and investing. Either activity, earning investment income or making regular allocations to savings and investing, are passive activities. With either activity, you’ll have more money at the end of each month.

Some of these apps do involve taking on a certain amount of risk of loss. If you’re not comfortable with that prospect, it’s best to use several apps for diversification purposes. For example, you might want to have one that focuses on bank savings, one for stocks, another for bonds, and still another for reIal estate. In that way, you can create a fully diversified portfolio with a small amount of money.

Saving Apps

5. Capital One 360

Capital One 360 offers a variety of ways to earn extra income on your banking activities. For example, they pay interest on checking, and above average interest on savings. But they also charge very low fees, which also helps to increase your bank balance. Check out our review of Capital One 360 here.

6. Digit

Digit is a micro-savings app that helps a non-saver become a saver. It evaluates your spending habits and transfers very small amounts of money from your linked bank account into your Digit account. This is a way to build up savings passively since it involves no additional action on your part. To learn more about it, check out our review of Digit here.

7. Acorns

Acorns is a combination micro-savings and micro-investing app. It works using a process called “round ups”. When you make a purchase for $5.25, Acorns rounds the amount up to $6, pays the vendor $5.25, then transfers 75 cents into your Acorns account. Once you accumulate $5, it’s transferred over to the Acorns robo-advisor, where it’s invested and managed for you. It turns spending money into savings and investments. Check out our full review of Acorns here.

Check out the new Acorns Spend checking account as well. This provides you with a useful debit card that invests and saves for you instantly as you make a purchase. There are no overdraft or minimum balance fees to worry about. Plus, you get free bank-to-bank transfers and access to free ATMs nationwide (and fee-reimbursed ATMs). It’s investment, retirement, and checking all in one place.

Investing Apps

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These are apps that enable you to invest very small amounts of money, giving you an opportunity to earn income on your savings. This is the best kind of passive income of all, since you’re essentially earning money on your money.

8. Stash

Stash is a micro-investing app that allows you to invest with no minimum deposit. They provide an investment template of exchange-traded funds (ETFs) and individual stocks to invest your money in. They don’t manage your investments, but they do give you an opportunity to get started if you never have in the past. Check out our full review of Stash here.

9. Betterment

Betterment is an automated online investment platform, commonly known as a robo-advisor. You can open an account with no money at all, then fund it with regular contributions. Betterment will design a portfolio for you, and then manage it for a very small fee. Check out our full review of Betterment here.

10. M1 Finance

M1 Finance is another robo-advisor. You can create your portfolio for free. Schedule deposits in a way that works best for you, weekly, bi-weekly or monthly. Check out our full review of M1 Finance here.

11. Ally Invest

Ally Invest is diversified investment brokerage, where you can get involved in self-directed investing.

But they have their own robo-advisor, Ally Invest Cash-Enhanced Managed Portfolios, so you can have some or all your money professionally managed, while also having the option to dabble in individual investments.

Here are a few of the highlights of Ally Invest Cash-Enhanced Managed Portfolios:

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• Low Advisory Fee: 0.00%
• Low Investment Minimum: $100
• 24/7 Support: You can call or chat with a member of Ally’s customer support team whenever you have a question.
• Rebalancing: Ally Invest will keep an eye on your portfolio and rebalance your asset allocation mix when necessary.

With Ally Invest Cash-Enhanced Managed Portfolios, you get to create your own customized portfolio that matches your risk tolerance. And once you’ve told Ally Invest how you want your money diversified, they take care of the rest. You just get to sit back and watch your money grow.

Check out our full review of Ally Invest here.

Dividend Investing Apps

Some investors are not entirely comfortable with growth stocks since they can swing in uncomfortable directions. But you can still invest in stocks and earn a steady income by investing in high dividend-paying stocks. You can do that through diversified investment brokerage platforms.

Ally Invest (Again!)

Ally Invest enables you to invest in anything you like. You can choose high dividend-paying stocks, or invest in either a mutual fund or an ETF that invests strictly in high dividend stocks. Ally Invest also has very low trading fees to make investing less costly. Check out our full review of Ally Invest here.

12. TD Ameritrade

TD Ameritrade is another diversified investment brokerage, but one with a higher degree of hands-on financial assistance. You can also use TD Ameritrade to invest in high dividend-paying stocks on this platform or choose ETFs or mutual funds.

Disclosure: All opinions expressed are our own. We are compensated by some of the businesses that we review (e.g. TD Ameritrade).

Bond Investing Apps

A way to earn higher interest, without taking the risks involved with stocks, is to invest in bonds. There are apps that can help you do that as well.

Ally Invest (Again!)

Ally Invest gets a strong mention anytime the topic is investing because they offer virtually every option available and at very low fees. But you can use this broker to buy individual bonds, or invest in ETFs or mutual funds that invest in bonds.

13. Worthy Bonds

Worthy Bonds makes loans to small businesses, mainly to help them with their inventory and purchase financing. This enables them to earn higher interest, which they pass on to their investors. You can earn 5% on your money by investing as little as $10. That’s well above the rate of return you can get at a local bank. Plus, you can feel good about assisting small business owners.

Peer Lending Apps

More formally referred to as “peer-to-peer” (P2P) lenders, they allow investors to fund loans directly to borrowers. In the process, investors earn much higher interest than they can with traditional bank investments. It’s essentially banking without the banker, and where you as the investor become the banker.

14. LendingClub

LendingClub is the largest and best-known P2P platform. You don’t fund loans but instead invest in small slices of loans, referred to as “notes”. Each note is $25. With a minimum investment of $1,000, you can diversify across 40 different notes.

One disadvantage with Lending Club is that most states require you to meet minimum income and net worth requirements. But if you do, you can earn much higher returns than with bank investments. Check out our full review of Lending Club here.

15. Prosper Invest

Prosper Invest not only operates similarly to Lending Club but is also its primary competitor. One of the main advantages with Prosper is that you only need $25 to open an account.

Real Estate Crowdfunding Apps

A lot of people would like to invest in real estate, but don’t want to get their hands dirty. With the many investment apps available today, that’s now entirely possible. You can utilize real estate crowdfunding apps that allow you to invest in commercial real estate without getting involved in the process itself. You invest your money, and earn your return–it’s that simple.

16. Peerstreet

Peerstreet is a real estate crowdfunding platform that enables you to invest in loans on commercial real estate. These are high quality private real estate loans, that pay high-interest rates.

You can invest with as little as $1,000, but it does require you to be an accredited investor. That means you must be either have a high income or a high net worth. Check out our full review of Peerstreet here or you can click here to sign up.

17. Fundrise

Fundrise is similar to Peerstreet, except you don’t need to be an accredited investor.

With as little as $500, you can invest in one of two real estate investment trusts (REITs). One is an eREIT, which provides income, and the other is an eFund, which invests for growth. Fundrise is the perfect app for a small investor to invest in commercial real estate.

Typically, investing in REITs can be expensive because of high administrative costs. And they also tend to require that your money remain illiquid for several years.

Low Fees

But Fundrise portfolios charge a total annual cost of 1% (including their investment advisor fee and management fee). That’s not as low as what you’d pay with some of the cheapest stock and mutual fund robo-advisors. But it’s much better than the typical cost of investing in commercial real estate in a REIT.

Potential Liquidity

Fundrise has also built in the potential for quarterly liquidity to their plans. If you need to access your funds early (before five years), you can request that on a quarterly basis.

However, you may owe a fee, depending on how long you’ve owned the investment. For this reason, we recommended that you only invest in Fundrise if you’re ok with your money being tied up for at least 5 years. But it’s good to know that you have the potential to get your hands on your money early in the event of an emergency.

Performance

Although past performance is no guarantee of future success, Fundrise has quite an impressive track record.

If you’re not an accredited investor but would like to dabble in real estate crowdfunding, Fundrise may be exactly what you’re looking for.

Check out our full review of Fundrise here or sign up now.

Equity Crowdfunding Apps

We’ve already covered crowdfunding for consumer loans and real estate. But it also exists for upstart businesses to fund their ventures with money from participating investors.

This is a classic example of a high reward/high-risk investment, which is why it’s generally reserved for accredited investors. But if you meet the qualifications, it’s a way to earn much higher returns than you can get on more conventional investments.

Equity crowdfunding apps include:

18. AngelList

AngelList enables registered investors to help fund various business ventures. Investors pool their money to invest in business startups. The minimum investment is $1,000, and the best strategy is to invest in several different ventures. That will both minimize the losses from the failure of one or two ventures, and maximize the overall profit potential.

19. CircleUp

Circle Up allows investors to fund relatively new businesses with existing cash flows. This is usually money used to expand a business, rather than to launch a brand new venture. It should prove at least somewhat less risky than funding brand new ventures since the business already exists. The minimum investment is also $1,000, and diversification is strongly recommended.

20. Fundable

Fundable doesn’t work with any specific type of business, so the possibilities are wide open. Once again, the minimum investment is $1,000. But Fundable may be a bit more solid than funding pure startups since it also helps companies develop their businesses and expand their cash flows.

Passive Income Through Ownership

Now we begin the shift into what might be best referred to as semi-passive income apps. That’s because they typically involve an investment of either cash or time and effort. But for most, once you get the venture up and running, you earn income with very little time or effort on your part.

These may not fit the pure definition of passive, but they have the potential to produce much higher income flows than purely passive ventures. We’re presenting several alternatives, so you can choose the one that works best with your time, talents, and preferences.

Leasing/Renting Your Stuff Apps

One way to earn some passive income is to rent out certain assets you have, but may not be using.

21. Turo

Turo is a carsharing marketplace. You can rent out your vehicle either online or through mobile apps. People rent your vehicle for a little bit less than what it costs through a car rental company. You’ll earn money for that rental during times when you wouldn’t be using your vehicle anyway. You can lease out your car for as little or as much time as you choose.

22. Outdoorsy

Outdoorsy is an RV rental marketplace for people who own recreational vehicles. And if you do, you can rent them out and earn some extra money. After all, you’re probably not using your RV most of the time. And when you’re not using it, you can rent it out to help pay for it.

Rental Property Management Apps

You can do the same thing with your home or investment real estate that you can do with your car or an RV through rental property management apps.

23. Airbnb

Airbnb is an app that enables you to rent out your home to travelers. It gives you the advantage of earning some money on your home, while guests pay less than they might at local hotels. It could work particularly well if your home is located in a large city or a popular tourist destination that draws a steady flow of travelers.

24. Zillow Rental Manager

Zillow Rental Manager helps you manage your rental property more efficiently, and that can put more money in your pocket. It enables you to list your rental on Zillow, Trulia, and HotPads. It also allows you to screen tenants online, run criminal and credit checks, and have rental payments sent directly to your bank account.

25. Landlordy

Landlordy is a “mobile companion for a private landlord”. It can help you manage and control expenses, which will maximize the profit you earn on your rental. Landlordy also assists with digital organization of key documents and communication with tenants.

26. Cozy

Cozy is a free app that gives you “modern tools” to help you spend less time managing your rental. They help you find and communicate with tenants all within the app. They also allow you to collect rent automatically and track your expenses.

27. Honeygain

We’ve discussed renting out your stuff–house, apartment, car, etc. But have you ever considered “renting” out your Internet access through your electronic devices? That’s basically how Honeygain works.

The app enables you to share your unused internet bandwidth. Data scientists will gather businesses that use this for intelligence and market research.

When you sign up with Honeygain, it’s a simple process: just give your email and create a password. Next, you’ll need to install the Honeygain app on any device you like. When those devices are connected to the web, data scientists will use the Honeygain network to connect to the Internet. Earning is simply based on the amount of GB you share with the Honeygain network.

Once your account and devices are set up, you can begin earning passive income.

Blogging/Writing Apps

These are at best considered semi-passive income ideas. You’ll have to put a reasonable amount of work into the venture at the very beginning, just to get it up and running. But once you do, cash will flow in, even though you’ll need to keep it regularly updated. One of the underappreciated aspects of this type of venture is that it can lead to all kinds of opportunities you never imagined.

28. WordPress

WordPress is a free app you can use to create a professional-looking blog or website. They offer various templates, which you can customize based on your own personal preferences.

You can make your website as simple or as complicated as you like. WordPress even offers premium templates to provide a higher quality website. It’s a perfect app to use if you’re new to blogging or creating a website. Not only are many of the apps free, but they’re also very user-friendly to install and work with.

29. Medium

Medium is an evolutionary version of Twitter that allows you to publish ideas and stories that are longer than 140 spaces. You can create stories and updates, and use it to promote your blog or website.

It’s a way to get your content out on the web, where you might find clients willing to pay for what you write.

Related:How to Make Extra Money Blogging

Self-Publishing Apps

Have you ever dreamed of writing a book? There are apps that can help you do just that. Self-publishing has become one of the new waves of the 21st century, and offers a real opportunity to get your book idea in print, without going through the usual grind with the major publishing houses.

30. Scrivener

Scrivener enables you to build a manuscript. You can write when the mood strikes you, then come back and continue your work later. You can even write random ideas and chapters, then organize them as you go forward. It also helps you to do research as well as edit your work.

31. Everywriter

Everywriter works in a similar manner to Scrivener, in that it offers you a basic outline to write a book or other document. It provides an online outline design, and can even facilitate your book cover design.

Apps to License Your Creativity

If you have any kind of creative ability at all, chances are there is an app that can enable you to monetize it. Check these out…

32. Shutterstock Contributor

Shutterstock Contributor is a mobile app that enables you to upload photos on the go. It has an auto keywording function that makes it easy to complete submissions on your phone. It also enables you to check your Shutterstock earnings and activity.

33. Foap

Foap can be used to make extra money with your photos and videos. When a client wants to purchase your work from your online portfolio, you do a 50/50 split with Foap.

You can even submit pictures and videos to one of the Foap “missions” and win hundreds of dollars. The Foap community has nearly three million members, so there’s a huge potential market for selling your work.

34. EyeEm

EyeEm works much like Foap. You download your photos, which are then available to customers and clients who use the app. In addition, EyeEm hosts weekly photo competitions as another means for winners to earn more money.

You earn royalties on those photos as they’re selected by clients.

35. Amuse

Amuse is a mobile record company that does for music what Shutterstock, Foap, and EyeEm do for photos. It allows unsigned artists to distribute their music to digital platforms. It also provides an opportunity for the creator to be signed based on data-tracking hit potential. It’s a fairly new app, having only been launched in 2017. But it could be a real opportunity for musical talent to find its way to the mainstream.

36. Udemy

Udemy is a platform that enables you to create courses. For example, let’s say you want to create a course on playing a musical instrument. Do it on the web platform, and even have Udemy help you market the course to users.

You’ll share some of the profits with the platform, but it’ll be a significant earning opportunity if you have a specialty you’d like to arrange into a course to be sold to potential students.

Final Thoughts on the Best Passive Income Apps

Some of the apps on this list do require an investment up front to generate a passive income.

But there are a lot more that could help you capitalize on talents or even hobbies that you have. Whether it’s creating photos, videos, or even courses, you can create it, then watch it generate steady cash flow for a very long time.

Creating multiple income sources is becoming more important all the time. Passive income streams are the best sources of income because they ultimately require little or no effort going forward. Pick one or more of these apps, and get your passive income started.