Top 10 Money Earning Apps Without Investment

best apps to make money

One of the primary goals in our life is to make money. However, it needs hard work along with a lot of investments to earn money. However, most people search for ways to make money without investing a penny.

It might seem impossible to earn money without investment, but there are some ways to do it. Well, you do not have to invest money, but there are apps that can help you earn by investing some time. 

Yes, there are some very popular apps available that are legit and reliable. However, you need to know the process and the name of these apps to start earning. Are you curious to find out about these apps? We have handpicked the 10 best apps to earn without any investment. 

10 Best Apps To Earn Money Without Any Investment 

As mentioned above, there are many apps available in the market that can help you to earn without any investment. However, most of them are not reliable enough to provide you with money.

Additionally, there are some apps available that might be harmful to your device or personal information. So, if you are looking for apps to make money, you need to be very careful. Here are the best 10 apps that are reliable and require zero investment to earn money.

1. Survey Junkey 

You might have heard the name of this app before in ads or from others. As the name suggests, all you have to do is provide surveys to earn some extra bucks.

The online survey is one of the most trending things in 2021 that enables people to take a little bit of time to influence a brand or provide feedback. 

While these surveys help a brand get the opportunity to learn their weak areas and improve them, it helps you earn more money. Survey Junkie is a similar app where you can provide your opinion through surveys to earn money. However, you will not get real money. 

Instead, it will be a virtual point reward that you can redeem and turn into e-gift cards. You have the option to transfer them through PayPal or in a bank account as well.

This is one of the best apps to make money without any investment. It is a free-to-use app and is available in Google Play Store. 

Key Features:

  • Quick Estimate – You have the option to check how long it takes to complete the survey and how much you can earn. 
  • Extensive Gift Cards – It offers gift cards for companies like Starbucks, Amazon, Walmart, Sephora, iTunes, Target, and others. 

2. Swagbucks 

It is also a similar app that provides you the option to make money without any investment. It is a top-rated and trustable app, and you can check the rating and reviews as well.

Using this app, you will be able to earn money while browsing the internet, shopping online, watching videos, and others. Apart from that, you can also participate in other things to start making money, such as polls, online surveys, online games, etc.

The reward is exchangeable as particular merchandise, cash, or gift cards. It is one of the most chosen and best apps to earn money. You can earn gift cards in different ways from Swagbucks, such as:

  • Shopping from Walmart, Amazon, Starbucks, Target, and other online retailers 
  • Play online games and make in-game purchases
  • Watching videos 
  • Answering online surveys 
  • Browsing the search engine of Swagbucks powered by Yahoo 
  • Great discounts and exclusive offers 

It is available in Canada, the USA, India, France, UK, Spain, Portugal, Germany, and Australia. You can use the application for free and register using a personal email or Facebook account. Using referrals can help you to earn more points. 

Key Features 

  • Daily Poll – Earn 1 Swagbucks point daily by answering a question every day. 
  • Gold Surveys – Gold Surveys provide much more point-earning opportunities to help you earn more. 
  • Cash Out Early – You do not have to wait to reach a certain point; you can transfer as low as $3  

3. M1 Finance

If you are not into surveys that much, then M1 Finance is the best app to earn money. It lets you earn money by providing a wide range of financial tools. You can use these tools to manage investing, borrowing, and spending.

Apart from that, it assists you to rebalance and manage the portfolio. Intelligent automation provides the best tools to invest and some of the cheapest options to lend money. 

With as low as a $10,000 investment, you can create a credit line to borrow with just as low as 2%. Also, you can spend one dollar to earn 1% and the national average x 25 APY.

The amount that will take years to earn from a bank takes as low as 2 weeks from M1 Finance. It is well available in Google Play Store to download. 

Key Features

  • No Commission Investment – You can get all the services without investment commission or management fees 
  • Afternoon Trade Window – If you have more than $25,000 portfolio investment, then you can invest both afternoon and morning  

4. Wikibuy

It is one of the best apps to earn money that helps you to get the cheapest deals from stores and websites. After installing this app on your browser, you will be able to get the best deals from all the eCommerce stores. You will also get plenty of offers available on the purchase. 

The mobile app lets you scan the barcodes and get the best stores offering the same products at a much lower price. This app also automatically provides you the coupon codes to provide the credits for the purchases on different sites like eBay, Walmart, and others. Apart from that, by shopping from the partner vendors and merchants, you can earn a lot of rewards. 

One of the best things about Wikibuy is that it helps you know, shopping from which retailers will help you earn bonus rewards. If you are buying a product online, Wikibuy will search for the product at a lower price and help you to know if any are found. Here are some key features that make it very popular. 

Key Features:

  • Mobile App – You can also get the mobile app in Android and iOS that helps scan the barcodes. It will help you to get the best shops and the best deals from them. 
  • Browser Add-On – Wikibuy’s browser comes with an add-on that automatically sifts through many websites to get the best prices and deals. 

5. Acorns

Acorns is also another best app to earn money, which you can choose to earn a lot of money. This is not really an app that provides your result without investing, but you can earn a lot by investing the spare change. You can invest all the money that you get in change on this app. 

It takes less than a minute to set up an account and build your own portfolio. You can then use it to invest in bonds or stocks. Investment is available as low as $1. With Acorns, you can invest in more than 7000 bonds and stocks of the best companies. 

You do not have to worry about the money as well as they provide high security like banks to keep the money safe with 256-bit encryption. If you have any queries about investment, you can take the help of videos and articles. This is one of the best apps to earn money with zero investment. 

Key Features

  • Advisory – You can invest in the right funds in Acorns with the help of qualified advisors to help you to achieve all your goals. 
  • Acorns Later – It helps build a healthy corpus for retirement by automating your investment in a few minutes. 

6. Google Opinion Rewards

Coming at the 6th spot, this is one of the most famous and best apps to earn money from Google. Using the Google opinion app, you can earn extra money in seconds. It asks some basic and easy questions based on your activity. You just have to provide your opinion in the app and complete the survey to win some money for answering. 

The surveys appear randomly when you visit some hotels, merchants, events, and others. Most of the time, you will have to answer about the experience or review places to improve the Google services. However, you need to withdraw the money in 12 months, otherwise, it will expire. 

You will get a notification when the credits are about to expire. Options are available to transfer the money to PayPal and Google Play. It is available for free in Google Play Store; here are some key features that you need to know. 

Key Features:

  • Availability – This app is available on Android as well as iOS. You can receive the payout on the PayPal account. 
  • Time Limit – Each survey is available in the app for 1 day or 24 hours. After that, they expire.
  • Play Store Credits – You can use the reward to redeem as Play Store credit to invest in books, games, movie rentals, or apps. 

7. Airbnb

If you are someone who travels quite often, then you might have heard the name of this app somewhere. Airbnb is very popular and one of the best apps to earn money by renting your property.

You can use this app to rent the extra space and earn some quick money. By posting the property, you will be able to reach out to billions of customers. Without any promotion or marketing, you will be able to sell your property space to others easily.

As the app is used by a lot of people, there is no need for promotion. From securing bookings to marketing, Airbnb can help you with everything. Apart from that, you will get property damage protection and an accident against the insurance of $1M. You can share the experience and take people on local tours.

Apart from that, you can earn some extra money by offering people other services like cultural activities, dining, transport, and additional services. Here are some of the key features that you need to know about this app. 

Key Features 

  • Control The Hosting Days – You have full control to host the space or keep it vacant for a few days. You can change it in the app whenever you want. 
  • Online Experiences – Help people get local experience with culture, culinary expertise, and tourist spots in the local area. 

8. Robinhood

The name might sound a little confusing, but as the title suggests, you will be able to use this popular and one of the best apps to earn money.

Similar to M1 Finance, you will be able to invest in stocks, crypto, and ETFs trading without any commission. After providing the details and other information, you will be able to sign up for the app. 

You also need to link your bank by providing the bank details. When these steps are complete, the application offers you to get free stock. Robinhood allows you to own stocks with blue chips such as Microsoft and Google.

So, for example, if you have $10, you can invest that to own a Google or Microsoft partial stock. 

Another very good thing about the app is it lets you access the cryptocurrency market. You can buy and sell plenty of different currencies such as Ethereum, Bitcoin, Dogecoin, etc. Trading is available in minimum quantities with all of these cryptocurrencies. 

This app is user-friendly and completely free to use. You will be able to get this app from Google Play Store. Here are some of the key features that help it appear on the list of the best apps to earn money.

Key Features

  • Real-Time Trade – This app comes in both Android and iOS to help you trade from anywhere in real-time.
  • Instant Cash – You will get access to the cash that you earned from the sales instantly 

9. Turo

This is completely different from all the other ones on this list, this is one of the best apps to earn money without investing any money.

If you travel by car to a 9 to 5 job and let the car sit in the parking lot for those hours, this app can benefit you. You can use the car in that free time to earn some extra money with the help of Turo. 

It is an American car-sharing company that lets you rent your car to others. All you have to do is list your card in the Turo app to reach the users. So, if your car is in the garage or not getting used, you can make an average of $706 every month with the help of Turo. This app is available in more than 5500 cities in the US, Canada, and the UK. 

You do not have to worry about your car getting stolen or damaged during the rent; it is all covered by the protection of Turo in the contract. Additionally, they offer liability insurance of $750,000 as well.

The application is available in Google Play Store for free. Here are some of the key features of this app given below. 

Key Features 

  • Set The Price – This app allows you to determine the daily cost of rent of the car. So, you can make the price attractive or high based on your requirement. 
  • Two-way Reviews – You will be able to get both the reviews of customers and hosts to learn how it works and other details before choosing it.  

10. MyPoints

Last on the list of best apps to earn money is MyPoints. It is also a very popular app that can help you earn a lot of money without investing single money. Instead, you can earn points by simply shopping online or offline, paid earnings, dining out, and other ways. 

Some of the other options available to earn points as well, such as playing games, reading email, watching movies, etc. Once you have collected the points, you can redeem them as cash or gift cards.

The website and app are available in only Canada and the USA. Using some simple steps, you can register in MyPoints and start earning points today. 

There are plenty of ways available in this app to earn rewards, and the withdrawal process is also very easy. The app is free to use and available in Google Play Store.

If you are looking for the best apps to earn money, then consider trying out this one. Here are some of the key features of this app given below. 

Key Features

  • PayPal Transfer – You can transfer all the earned points from this app to your PayPal account. For every 3970 points, you will get a $25 payment. 
  • Joining Bonus – As a welcome bonus, you will get $10 after creating the account for free. 

Frequently Asked Questions

Q1. Which app gives real money? 

There are plenty of apps available that can provide you the opportunity to earn real money. Some of the best apps to earn money include InboxDollars, Swagbucks, Branded Surveys, Google Opinion Rewards, etc. 

Q2. How can I make $100 a day online without investment? 

You can make $100 per day without any investment by choosing the best apps to earn money. These apps ask you to complete some surveys, provide feedback, shop to earn points, and do other tasks. Completing these tasks will help you to earn a lot of rewards, including cash. 

Q3. Which is no 1 earning app? 

Among all the other best apps to earn money, Google Opinion Rewards is one of the most famous ones. In this app, you have to answer the surveys to win cash. Once you have earned the cash, you can redeem it through PayPal or Google Play. It provides different surveys based on your recent activities such as dining in, events, check-in, and others. 

Q4. How can I earn fast money? 

One of the most common ways to earn fast money is by choosing the best apps for earning money. It provides you with a lot of opportunities to earn money without investing. There are plenty of apps available that provide you points for shopping, completing surveys, playing games, and watching videos. You can utilize them to earn money without making any extra effort. 


Earning money is quite a hard process and requires some investment. If you are looking for some best apps to earn money, there are plenty of options available. However, choosing the wrong ones might harm your device and put your data at risk. So, choosing the right ones is very important to get the best experience without worrying about fraud. 

Here we have talked about the 10 best money-earning apps that come with plenty of features and a lot of reliability. You can try out all of these apps to find the best one and start earning money with zero investment. All you need is some time to learn the process. Then, if you liked it, make sure to share it with others. 

Read More:

Mashum Mollah
Mashum Mollah is an entrepreneur by profession and passionate blogger by heart. He is on a mission to help small businesses grow online. He shares his journey, insights, and experiences in this blog.

You may also like

Leave a reply

Your email address will not be published. Required fields are marked *