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Home » Make Money

30 Top Passive Income Apps To Make Money Instantly

Kelan Kline | Updated February 20, 2023 Make Money

We all know that passive income is the holy grail of making money online, but it's so hard to get started. Passive income apps are everywhere these days and they promise to help you make more money by doing less work. But how many times have you tried a new app only to find out that it doesn't fit your needs or there's no support available?
Happy Woman Holding Cash Made From Survey App
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You are not alone! Many people are looking for ways to generate passive income.

The good news is that there are tons of legitimate passive income apps out that will help you increase your income without a doubt!

These apps all require very little work on your part to up your income, and many even pay you in cash!

If you are interested in making money while shopping online, surfing the web, playing games, and watching videos, you should check out this list.

In this blog post, I will provide you with a list of 30 different money-making passive income apps that allow you to make money passively.

Table of Contents

  • 6 Investing Passive Income Apps
    • 1. Robinhood
    • 2. M1 Finance
    • 3. Betterment
    • 4. Fundrise
    • 5. Acorns
    • 6. Stash
  • 7 Cash Back Passive Income Apps
    • 1. Ibotta
    • 2. Honey
    • 3. Rakuten 
    • 4. Capital One Shopping 
    • 5. Drop
    • 6. Tada 
    • 7. Dosh
  • 9 Paid Survey Passive Income Apps
    • 1. Swagbucks 
    • 2.InboxDollars 
    • 3. Opinion Outpost 
    • 4. Survey Junkie
    • 5. Pinecone Research
    • 6. Toluna
    • 7. MyPoints Surveys
    • 8. American Consumer Opinion
    • 9. PrizeRebel
  • 8 Unique Passive Income Apps
    • 1. Neilsen Computer and Mobile Panel
    • 2. Udemy
    • 3. Truebill
    • 4. MobileXpression
    • 5. Sweatcoin
    • 6. Airbnb
    • 7. Neighbor Storage
    • 8. Decluttr
  • Final Thoughts

6 Investing Passive Income Apps

M1 Finance Review Hand of woman watering small plant in pot shaped like growing graph

Several of the best investments can help you earn passive income if you know how to invest wisely. 

These are money-making opportunities that can grow your wealth quickly with the money you’ve already earned!

And if you didn’t know, you can also sign up for Empower (formerly Personal Capital), an app that can manage your investments and even give you investment advice to improve your portfolio. 

1. Robinhood

pone with real cryptocoins next to it

Robinhood doesn’t charge any fees on trades, making it one of the best passive income apps on the market to use to build an investment portfolio.

With the Robinhood investment app, once your account is set up, you can trade stocks, options, and ETFs without any commission fees. It also offers 0.3% APY on your uninvested cash balances!

If you’re looking for some extra features and benefits on Robinhood’s platform, you might want to consider upgrading to Robinhood Gold.

For just $5 a month, you’ll get access to bigger instant deposits, Morningstar research, Nasdaq Level II market data, and margin investing.

Find out more in our honest review of Robinhood!

2. M1 Finance

M1 Finance is an excellent app for anyone looking to invest in their future and build their investment portfolio.

It offers low minimum investments and no fees on any of your investments.

Plus you can buy fractional shares of big stock names and automation tools to help you stay disciplined with investing over the long term.

Learn more about their features in our M1 Finance review!

3. Betterment

Betterment is another excellent app for those looking to invest in their future by earning passive income easily.

It offers low minimum investments, no fees on any of your investments, and you can buy fractional shares of big stock names.

Plus, it has some automation tools to help you stay disciplined with investing over the long term.

If you’re someone who’s looking for automated investing, then Betterment might be the perfect app for you.

4. Fundrise

how to save for a house

Fundrise is a real estate crowdfunding platform for real estate investors to invest in real estate properties across the United States.

Plus, this great passive income app is a great way to get started in the real estate market without investing a lot of money. Investments in Fundrise begin at just $10.

However, if you’re looking for a solid long-term investment, then this app is worth checking out! Find out more in our review of Fundrise!

5. Acorns

The best micro-investing app we’ve found is Acorns. Micro-investing means you can start investing with just a little money, even just a few cents here and there!

With this app, you can invest your spare change into stocks and funds with just one swipe of your card whenever you buy anything using linked credit or debit cards.

And while investing is always risky, Acorns has made it easy by automating the process so that they only take a small amount of money from you at a time.

You can also get a free $5 sign-up bonus too!

Not sure whether you want to try Robinhood or Acorns? Our comparison review can help!

6. Stash

woman holding money after earning fast cash

Stash is an investment app that allows you to invest in pre-built portfolios or pick which stocks and ETFs (exchange-traded funds) you want, based on personal values and financial goals.

The best part about this app is that it’s user-friendly and provides excellent educational tools, so even beginners will feel confident investing in it. With just $5, users can start investing right away!

The monthly subscription fees are $3 and $9 for the two account types. The monthly fee depends on how much money you want to invest each month. There are also no account minimums with Stash so that anyone can get started.

7 Cash Back Passive Income Apps

cash in wallet

Cash-back apps are a great way to make a passive income today. It’s a great way to save money on groceries, clothes, and other everyday items.

1. Ibotta

Ibotta is one of the most popular cash back apps available where you can earn money by simply scanning your receipt after making a purchase or linking your store loyalty card.

The money you expect to earn back depends on your spending. If you spend $1,000 a month, and Ibotta can get you 4% back, that’s $40 back into your pocket with almost no effort on your part!

Ibotta also offers cash back on online purchases, making it a great choice for anyone who shops online frequently. Plus, they offer bonuses for referring friends and completing different tasks.

Once you reach $20 in your account, you can either transfer your balance to a bank account or get paid via PayPal.

2. Honey

Honey is another cash back app that works with almost every online retailer, and it’s pretty passive for you since their browser extension will pop up to remind you of deals and coupons!

It’s easy to save money when shopping with Honey. It automatically applies the best coupon codes to your purchase and lets you know about price drops, ensuring that you get the best deal possible.

Just add Honey to your Google Chrome, Firefox, Safari, or Opera browser or your mobile phone apps- it’s free! Honey will start working automatically on participating websites and notify you when a better deal is available.

3. Rakuten 

things to sell to make money Beautiful young woman wearing sweater standing isolated over beige background, showing money banknotes

Rakuten is a popular cash back app available from the Google Play Store or App Store. Formerly known as Ebates, Rakuten allows you to earn cash backs up to 40% on your regular online purchases at over 3,500 stores.

You can shop online at places like Amazon, Macy’s, Target, and more.

Refer a friend through their program, and you can get a $30 Referral Bonus when the friend becomes a Rakuten member!

You can get a sign-up bonus of $10 too so why not check it out? 

4. Capital One Shopping 

Capital One Shopping is a great passive income app. It is a free online service for anyone interested in saving money through price protection, a browser extension, and more.

You don’t have to be a Capital One customer or account holder to use Capital One Shopping.

A significant feature of Capital One Shopping is price protection. If an item you purchased drops in price, some merchants will give you a refund; Capital One Shopping also helps you find incredible deals at jaw-dropping prices.

Be sure to check out our honest review of Capital One Shopping!

5. Drop

Drop is another cash back app that works with online retailers. You earn points for each purchase you make after you have the app installed and also link your credit or debit card.

In addition to earning points as described above, the app also offers some other ways of accumulating points. A cash back shopping portal, a games area, and paid surveys are just a few examples of how you can use the app to earn more points.

Once you reach the minimum payout amount of $25, your money can be redeemed for gift cards. However, at this time, PayPal, CashApp, Venmo, Chime, KOHO, Varo, and Plastiq are not compatible with Drop.

6. Tada 

success is the best revenge money cute kid in business attired with a bunch of money

Tada is a passive income app that offers cash back for more than 3,000 stores! You can use the website to search for where you want to shop and you’ll be set knowing you’ll be getting money back on your purchase.

As a new Tada member, you are eligible for up to $10 in Welcome Bonus, so you get free money right off the bat in addition to the passive income it adds to your wallet!

The Tada app has cash back at nearly 3,000 stores. Once you have earned a $10 minimum withdrawal amount, you can redeem it for gift cards or have the money transferred to your PayPal.  

7. Dosh

Dosh is a passive income app that allows you to earn money back while shopping online. It works by paying you cash back after each purchase.

You link your store loyalty cards. Each store partnered with the Dosh app will then pay a particular percentage of cash back when you shop using the app.

Another way to earn with Dosh is by booking stays with one of the hotels that partners with Dosh. You can earn 40% cash back for your stay.

When you have $25 in earnings, funds can be transferred into your bank account, PayPal or Venmo or donated to charity.

9 Paid Survey Passive Income Apps

Best Survey Sites young woman outside with phone in hand happily making a fist and smiling at phone

Taking surveys with market research apps is a great way to use an app to make money online.

Market research apps use your email to complete your sign-up, and then you can start earning money right away. Most of them are available through Google Play, usable for Android and iOS phones.

Check out this list of the best survey apps for making money today!

1. Swagbucks 

Swagbucks is a site you can use to earn passive income by doing things like taking online surveys, watching videos, and playing video games.

You earn Swagbucks with your survey answers, plus other activities like watching videos and playing games. Then you redeem your Swagbucks for gift cards or cash via PayPal.

The Swagbucks app has been around for now, and users love it! There’s also a browser extension that you can use to take surveys, shop, and claim Swag Codes.

There’s a $10 sign-up bonus (free money!) so sign up now!

2.InboxDollars 

InboxDollars is another excellent way to make money just by taking surveys.

They also have videos and games that you can play on your phone or computer and a mobile app to earn even more points called InboxDollars Cash Back.

You get a $5 sign-up bonus just for joining!

InboxDollars also has a great referral program. When you refer someone to InboxDollars, you will earn $1.00 for each referral, up to 5 referrals.

After the referral signs up, you can earn “an additional 30% on all qualified earnings” the referral makes!

3. Opinion Outpost 

On Opinion Outpost, you can take surveys and get paid for them just like the rest (which is why Brittany and I use a few survey sites!).

You will need to complete your profile so that the website knows what kind of products or services appeal to you most, but after that, it’s smooth sailing!

To make money with Opinion Outpost, you need a minimum of 30 points ($3) to cash out. Once you have this amount of cash in your account, you can request payment via Amazon gift card, PayPal, or one of the other great gift cards available.

4. Survey Junkie

survey junkie completion screenshot

Survey Junkie is a great app that allows you to make money by taking surveys. It’s one of the most popular survey apps out there, and for a good reason!

Once you sign up, Survey Junkie will give you a list of surveys to complete.

You can complete these surveys on your computer or phone. The more detailed the survey is, the more points you will earn.

Each completed survey takes between 5 – 25 minutes and will give you anywhere from between 10 – 100 points ($0.10 – $1).

You can also cash out your earnings at 1,000 points, which equals $10.

5. Pinecone Research

If you are looking for a way to make money by giving your opinion, joining Pinecone Research is one of the best options of all the money-making apps.

The sign-up process is easy and only takes just a few minutes. However, membership is exclusive and only opens up a couple of times throughout the year.

Pinecone Research pays a minimum of $3 per survey which is more than other survey sites. As one of the top survey sites online, this site offers many ways to earn points to exchange for cash via PayPal or gift cards.

Pinecone Research also has regular contests where members compete for weekly and monthly prizes in addition to their regular earnings!

6. Toluna

Toluna is another top opinion for answering surveys (sorry no games on this site!), with a payout of $1 – $5 per survey.

Some surveys tend to be longer, but longer surveys mean more cash for you!

We found that with some short surveys, we earned about $1 – $2 per hour, which isn’t a lot, but I’m sure with longer surveys you could earn more.

The payout can be in PayPal or gift cards, just like we like it.

7. MyPoints Surveys

MyPoints Paid Online Surveys Dashboard

A great way to earn money online is with the survey site MyPoints. There are many ways to make money with MyPoints, including taking surveys and reading emails.

MyPoints has from 20 – 50 survey opportunities available daily, and you can complete them on your computer or phone.

Each completed survey takes between 15 – 25 minutes and will give you anywhere between 70 – 250 points ($0.07 – $0.25).

MyPoints offers a variety of ways to redeem your points, including cash via PayPal and gift cards with a minimum redemption level of 700 points or $.

8. American Consumer Opinion

American Consumer Opinion allows you to earn cash quickly and easily.

Sign-up is quick and easy. You can choose to take surveys or answer emails.

When you sign up, the app will ask for your demographic information to know what products and services appeal to you most.

The longer and more detailed a survey is, the higher your chance of earning points with it! Points can be redeemed for cash payments via PayPal with a minimum redemption of 1,000 points.

9. PrizeRebel

PrizeRebel is another excellent app that offers a variety of ways to earn cash passively.

With PrizeRebel, you can earn points for taking surveys or completing offers. You can also refer your friends and family to the app to get bonus points!

To redeem PrizeRebel points:

  • For every 500 points, you earn while completing PrizeRebel responsibilities, you’ll receive $5 in your PayPal account.
  • For 200 points, PrizeRebel will mail you a $2 gift card.
  • Online gamers can redeem their points for game credits, including Xbox Live, Nintendo eShop, Steam Wallet codes, and Roblox Robux.

8 Unique Passive Income Apps

money-saving challenges Woman Putting Coin In Piggy Bank, Indoors

Several other passive income apps to make money include apps that allow you to rent out your home, sell the stuff around your house you don’t want anymore, or even sell your clothes and shoes.

Take a look at even more money-making apps that are available!

1. Neilsen Computer and Mobile Panel

If you’re willing to install the Nielsen Computer and Mobile Panel on your phone, tablet, or computer and allow it to track what other apps you use while connected to WiFi, Nielsen will pay you $50 per year via Paypal or gift cards for this service.

You can install the Nielsen Computer and Mobile Panel app on up to five devices, so if you have a few gadgets lying around, this is an easy way to make some extra cash.

After you have the app installed, you will need to keep it on the phone and use your phone in order for it to track the apps you use.

Nielsen automatically enters each participant in a sweepstake each month where you can win extra money. Panelists can also earn game tokens to win instant rewards by scratching off games.

2. Udemy

Cosmetology and online video translation concept. Female cosmetologist blogging before breakfast, having her personal online journal in internet, making photos for it while using camera with tripod

Udemy is an online education platform where anyone can upload courses and make a semi-passive income stream.

There are over 183,000 online video courses on Udemy taught by industry experts. So if you have the skill to teach others, this could be your passive income ticket.

Classes that are selling well include learning how to crochet or draw manga characters to learning about cryptocurrency!

You can set up your online courses and charge people to enroll. Udemy provides the platform for uploading videos of any length or file size, so it’s easy to upload lectures, presentations, screencasts, etc.

3. Truebill

If you’re the type of person who’s always forgetting to cancel a monthly subscription or pay back your friends after buying something in a group, then Truebill might be the passive income app for you!

The app tracks all of your online subscriptions and allows you to add recurring bills such as Netflix, Hulu Plus, Spotify Premium, etc. This way, you’ll never forget to cancel a subscription again, and you can avoid late payment fees.

4. MobileXpression

happy woman saving money through her phone by using trim

If you’re willing to install the MobileXpression app on your phone and use your phone to allow it to track your internet usage, you can earn some extra cash.

The app runs in the same way as Embee Meter. It runs in the background and collects data about your internet activity (which sites you visit, how long you stay on each site, etc.) to help mobile advertisers understand how to target their ads better.

You will earn a $5 Amazon gift card during the first week. MobileXpression also runs a $100,000 sweepstakes that you can enter.

5. Sweatcoin

Sweatcoin turns your steps into coins that can be exchanged for rewards.

To get started with the app, you have to download the app and allow access to your phone’s GPS location data. Then, whenever your phone detects movement, it will track and convert your steps into Sweatcoins.

You’ll receive more Sweatcoins for walking. Start walking a lot and earn those Sweatcoins!  

6. Airbnb

If you’re looking for another passive income stream that doesn’t require much effort, look into renting out your home on Airbnb. You can earn an income while you take a vacation or even rent out your place when you’re in town and need a break from your home.

Airbnb provides a platform for hosts to list their properties and guests to find accommodations worldwide.

Airbnb has a rental calculator to see how much you can get paid for renting your home depending on your location and the size of your property.

7. Neighbor Storage

Beautiful young woman near rack with hangers

If you have a room to rent out, why not consider Neighbor Storage as well?

Rather than have guests use your spare room (or house), you can rent out free space for people to store their stuff.

You can rent out some space in your shed, a spot in your driveway, and so much more with Neighbor.

This is a great passive income idea to use your house wisely- you can easily make $100 a month with some rentals!

8. Decluttr

Decluttr is a company that buys your old CDs, DVDs, video games, books, cell phones, Legos, and electronics.

Once you fill out the Decluttr online form with your stuff for sale, they’ll give you an instant quote on what they’re willing to pay.

Decluttr offers free shipping labels, so all you have to do is package up your items in a box or mailer and send them off!

The whole process should take less than 10 minutes of work on your end. And best of all? You get paid fast too!

Decluttr will transfer the money directly into your bank account, PayPal, check, or donate the money to charity, usually within one business day after receiving your shipment. So if you need some extra cash today, then this app has got it covered!

Final Thoughts

tello review

When you think of passive income, apps and websites probably aren’t the first things that come to mind. Side hustles usually are usually the first thing to come to mind, but there are so many income-generating assets and apps you could work with- or do no work!

These are the best passive income apps out there that can help you earn some extra cash with little effort on your part!

There are many other ways to earn passive income online – these are 30 of the best passive income apps and are just a few examples of how it can be done.

If you’re looking for a way to make some extra money in your spare time, one of these apps might be the perfect solution for you and help you earn $100 a day!

All of these passive income apps work and offer unique opportunities and benefits, so be sure to try them all! Who knows – you might find your new favorite passive income app to make extra income!

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About Kelan Kline

Hi, I'm Kelan Kline! A personal finance expert, entrepreneur, and passionate money nerd. With my bachelor's degree in business and finance, my drive in life is to help others learn how to make money online, create passive streams of income, and reach financial freedom! I have been featured in online publications like Forbes, TIME, USA Today, Huffington Post, Business Insider, Marie Claire, CNBC, Acorns, The Penny Hoarder, Bankrate, Nerd Wallet, Yahoo Finance, MSN, GoBankingRates, Her Money, Thrive Global, The Simple Dollar, Money Crashers, Readers Digest, FinCon, Best Company, Rent Cafe, Romper, Intuit Turbo, Opp Loans, CreditCards.com, Debt.com, Discover, LifeLock, Quick Sprout, Money Geek and many more! Click here to read all of my posts.

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