Top 10 money-making apps & 2024 guide

Are you looking to make some extra cash in 2024? With the rise of technology, there are now numerous money-making apps that can help you earn money right from your smartphone. But which apps are the best? Which ones offer the highest payouts and the most opportunities?

In this article, we will reveal the top 10 money-earning apps of 2024 that can help you make some serious money. Whether you’re interested in taking surveys, completing tasks, or selling unwanted items, we’ve got you covered. Get ready to unlock the secrets of the best money-making apps and discover how you can earn extra cash in the palm of your hand.

So, do you want to know which apps are the highest paying and offer the best opportunities for earning money? Let’s dive in and find out!

Swagbucks – Best for Earning Gift Cards

Are you looking for an easy way to earn gift cards while using your favorite money-making apps? Look no further than Swagbucks! With Swagbucks, you can earn points by completing various tasks, such as taking surveys, watching videos, and even shopping online.

One of the best things about Swagbucks is that you can redeem your points for gift cards to popular retailers like Amazon and Walmart. This means you can treat yourself or someone special to a shopping spree without spending your hard-earned cash. If you prefer cash back, Swagbucks also offers the option to receive your earnings through PayPal.

While Swagbucks provides multiple ways to earn points, it’s important to manage your expectations. The earnings potential may be lower compared to other apps. However, if you’re someone who enjoys completing tasks in your spare time and prefers the flexibility of gift cards or cash back, then Swagbucks is the perfect app for you.

Why Choose Swagbucks?

  • Earn points by taking surveys, watching videos, and shopping online
  • Redeem points for gift cards to popular retailers or choose cash back through PayPal
  • Flexibility to earn rewards in your free time
  • Multiple ways to earn points and maximize your earnings potential
  • Join a large and active community of Swagbucks users

Swagbucks Earnings Example:

Task Earnings
Complete a Survey 100 points
Watch Videos 5 points per video
Shop Online Up to 10% cash back
Refer a Friend 10% of their earnings

As you can see, earning with Swagbucks is as simple as completing tasks and accumulating points. The more tasks you complete, the more points you’ll earn. It’s a great way to turn your free time into something rewarding. So why wait? Start earning gift cards or cash back with Swagbucks today!

Survey Junkey – Best for Online Surveys

If you’re looking to earn money by taking surveys, Survey Junkey is the perfect option for you. This online market research community offers members the opportunity to earn virtual points by providing their opinions and feedback through surveys.

Once you complete surveys on Survey Junkey, you can instantly redeem your virtual points for e-gift cards or PayPal payments. This means you can treat yourself to your favorite online stores or receive cash directly into your PayPal account.

While taking surveys may not make you rich overnight, Survey Junkey claims that users have the potential to earn up to $40 per month by completing just three surveys a day. So, if you’re consistent and dedicated, Survey Junkey can be a great way to earn some extra cash.

Why choose Survey Junkey?

  • Earn virtual points for completing surveys
  • Redeem points for e-gift cards or PayPal payments
  • Potential to earn up to $40 per month
  • Flexible and convenient way to make money

Survey Junkey is trusted by millions of users who appreciate the opportunity to share their opinions and earn rewards. So why not join the Survey Junkey community and start earning money by taking surveys today?

Rocket Money – Best for Keeping Track of Finances

When it comes to managing your money effectively, having a reliable money management app is essential. That’s where Rocket Money comes in. This powerful app is designed to help you keep track of your finances, create budgets, automate your savings, and even monitor your credit scores. With its user-friendly interface and comprehensive features, Rocket Money is a top choice for individuals looking to take control of their financial journey.

Features of Rocket Money

  • All-in-One Financial Overview: Rocket Money allows you to connect all your financial accounts in one place, giving you a clear and comprehensive view of your financial situation. Whether it’s your bank accounts, credit cards, or investments, you can effortlessly monitor your balances and transactions.
  • Budgeting Made Easy: With Rocket Money, budgeting becomes a breeze. The app provides intuitive tools to create customized budgets based on your income and expenses. You can easily track your spending and see where your money is going, helping you make smarter financial decisions.
  • Automatic Savings: Saving money can be challenging, but Rocket Money makes it simple. The app enables you to set savings goals and automate your savings contributions. You can choose to round up your purchases and save the spare change, or set recurring transfers to build your savings effortlessly.
  • Credit Score Monitoring: Keeping an eye on your credit score is crucial for your financial well-being. Rocket Money offers credit score monitoring, providing you with regular updates on your credit health. You can track your progress, identify areas for improvement, and take steps to boost your credit score.

In addition to these core features, Rocket Money also provides credit reports, spending analysis, and transaction categorization to help you gain deeper insights into your financial habits. With its robust set of tools, Rocket Money empowers you to save more, spend wisely, and achieve your financial goals.

Premium Services

While Rocket Money is free to use, it also offers premium services for users seeking additional benefits. These premium services may include enhanced features, personalized financial advice, or priority customer support. The exact offerings and pricing may vary, so it’s important to explore the options and decide if the additional benefits align with your financial needs.

Ready to take control of your finances? Download Rocket Money and experience the power of effective money management!

Key Features Benefits
All-in-One Financial Overview Get a comprehensive view of your finances in one place.
Budgeting Made Easy Create customized budgets and track your spending effortlessly.
Automatic Savings Automate your savings contributions and reach your financial goals faster.
Credit Score Monitoring Stay informed about your credit health and make informed decisions.

DoorDash – Best for Delivery Drivers

Looking to earn money on your own terms? DoorDash is the perfect app for delivery drivers. With DoorDash, you can make money by delivering products from a variety of establishments, including restaurants, convenience stores, and grocery stores.

One of the greatest benefits of DoorDash is the flexibility it offers. You have the freedom to set your own hours and work whenever it’s convenient for you. Whether you’re a student looking to earn extra cash or someone seeking a flexible side gig, DoorDash allows you to create a schedule that fits your lifestyle.

So, how exactly does DoorDash work? It’s simple. Once you sign up as a Dasher, the delivery opportunities are endless. When a customer places an order through the DoorDash app, you’ll receive a notification with the details. You can then choose to accept or decline the delivery request based on your availability.

Once you accept an order, all you need to do is pick up the items from the designated location and deliver them to the customer’s address. It’s that easy! And the best part is, you’ll earn a base rate for each order, plus tips. The more deliveries you make, the more money you can earn.

While there are vehicle costs involved, such as gas and maintenance, the earning potential with DoorDash can be quite lucrative. Many Dashers report making a significant income by utilizing the app. Plus, you have the opportunity to earn additional income through customer tips.

Why Choose DoorDash?

DoorDash offers several advantages that make it an excellent choice for delivery drivers:

  • Flexible hours: Work when it suits you, whether it’s during the day, in the evening, or on weekends.
  • Competitive earnings: Earn a base rate for each delivery, with the potential to increase your income through tips.
  • Variety of delivery options: Deliver food, groceries, and other items from a wide range of establishments.
  • User-friendly app: The DoorDash app is intuitive and easy to use, making your delivery experience hassle-free.

With all these benefits, it’s no wonder why DoorDash is a top choice for many delivery drivers. If you’re looking to earn money on your own terms and enjoy the flexibility of setting your own hours, DoorDash is the perfect app for you.

Rakuten Rewards – Best for Cash Back

Looking to earn some cash back while shopping online? Look no further than Rakuten Rewards (formerly known as Ebates). With over 3,500 stores to choose from, Rakuten Rewards offers users the opportunity to earn cash back, access exclusive deals, and enjoy valuable coupons.

When you shop through the Rakuten website or app, you can earn cash back on a wide range of purchases, including clothing, electronics, restaurants, ridesharing, and more. It’s a simple and convenient way to save money while indulging in your favorite online shopping.

But how does it work? It’s easy! Just follow these steps:

  1. Sign up for a free Rakuten Rewards account.
  2. Visit the Rakuten website or open the app.
  3. Browse through the extensive list of partner stores.
  4. Click on a store to be redirected to their website.
  5. Shop as usual and make your purchase.

Once your purchase is confirmed by the retailer, you’ll start earning cash back. Cash back rates vary depending on the store and any ongoing promotions, so be sure to keep an eye out for enticing offers.

But wait, there’s more! Every three months, Rakuten Rewards will send you a cash back payment in the form of a check or a PayPal transfer. It’s like getting paid to shop!

Still not convinced? Check out what some happy Rakuten Rewards users have to say:

“I love Rakuten Rewards! I consistently earn cash back on my online purchases, and it’s like getting a little bonus every time.” – Maria

“I joined Rakuten Rewards a few months ago, and I’m amazed at how much money I’ve saved. It’s so simple to use, and the cash back really adds up!” – David

Ready to start earning cash back with Rakuten Rewards? Sign up today and start saving!

Benefits of Rakuten Rewards Drawbacks of Rakuten Rewards
  • Earn cash back on purchases
  • Access to exclusive deals
  • Wide range of partner stores
  • Simple and convenient to use
  • Cash back payments every three months
  • Cash back rates may vary
  • Payment received every three months

Upside – Best for Gas Station Rewards

When it comes to saving money at the pump, Upside is the app you need. With its personalized cash back offers and focus on gas station rewards, you can earn while you fill up.

Upside has partnered with businesses nationwide to provide you with exclusive cash back offers tailored to your area. Whether you need to fuel up for your daily commute or a road trip, Upside helps you save on every gallon.

To start earning cash back with Upside, simply download the app and browse the available offers in your vicinity. Once you find an offer you like, claim it and head to the participating gas station. When it’s time to pay, use your credit or debit card linked to the app to make your purchase. The cash back will be automatically added to your Upside account.

Here’s how Upside works:

  1. Download the Upside app on your smartphone.
  2. Browse and claim personalized cash back offers for gas stations in your area.
  3. Pay for your fuel using a linked credit or debit card.
  4. Enjoy cash back rewards deposited into your Upside account.

With Upside, you have multiple options to cash out your earnings. Whether you prefer a bank transfer, PayPal, or gift cards, you can choose the method that suits you best.

Start saving on gas today with Upside and enjoy personalized cash back offers designed to put money back in your pocket.

Upwork – Best for Freelancers

Are you looking for freelance opportunities to showcase your skills and monetize your expertise? Upwork is the perfect freelancing marketplace for you. With millions of registered users, Upwork connects gig workers like you with clients from various industries, allowing you to offer your services and pitch projects. On Upwork, you can bid for jobs that align with your skills and interests, giving you the freedom to choose projects that you are passionate about.

Creating a profile on Upwork is easy and straightforward. Highlight your skills, experience, and portfolio to attract potential clients. Once your profile is set up, you can start pitching projects by submitting proposals that demonstrate your abilities and understanding of the client’s needs. The more compelling your pitch, the higher your chances of landing the job.

Upwork offers payment protection to ensure that freelancers get paid for their work. Once you’ve completed a project, you can request payment through multiple options, including direct deposit, PayPal, and more. With Upwork, you have the flexibility to choose how you want to receive your hard-earned money.

Join the vibrant community of freelancers on Upwork and unlock countless opportunities to grow your freelance career. Whether you’re a writer, designer, developer, or any other professional, Upwork provides a platform for you to thrive and showcase your talent.

TradeStation – Best for Active Traders and Investors

If you’re an active trader or investor looking for an app with advanced tools and features, TradeStation is the perfect choice. With TradeStation, you can access real-time data, advanced charting capabilities, and track your orders with ease. This trading app offers a comprehensive range of trading options, including stocks, options, futures, and even cryptocurrency.

TradeStation provides a user-friendly interface that allows you to execute trades quickly and efficiently. Whether you’re a seasoned trader or just starting out, TradeStation’s advanced tools will help you analyze the market and make informed decisions. The app also offers commission-free trades, allowing you to save on trading costs and maximize your profits.

While TradeStation’s mobile app may not be as feature-rich as its desktop platform, it still provides valuable features for traders on the go. You can stay connected to the market and manage your trades wherever you are. Whether you’re commuting or traveling, TradeStation’s mobile app keeps you in control of your investments.

So, if you’re serious about trading and want access to advanced tools and commission-free trades, TradeStation is the trading app for you. Take advantage of its advanced features and elevate your trading experience.

Why Choose TradeStation?

  • Access real-time data and advanced charting capabilities
  • Trade a wide range of assets including stocks, options, futures, and cryptocurrency
  • Execute trades efficiently with TradeStation’s user-friendly interface
  • Enjoy commission-free trades and save on trading costs
  • Stay connected to the market with TradeStation’s mobile app

M1 Finance – Best for Passive Investors

Looking for a low-cost robo-advisor that offers seamless investment management and convenient banking features? Look no further than M1 Finance. This innovative app is designed with self-directed investors in mind, offering a comprehensive platform to manage all aspects of your finances in one place.

One of the standout features of M1 Finance is its ability to combine investment management with banking. With this app, you can easily track and manage your investment portfolio, while also taking advantage of banking features such as FDIC-insured savings accounts, a Visa credit card with cash back rewards, and no-fee personal loans.

M1 Finance is ideal for passive investors who want to simplify their financial lives. The app’s automation and dynamic rebalancing features help you maintain a well-diversified investment portfolio without the need for constant monitoring and manual adjustments.

The Features of M1 Finance

M1 Finance offers a range of features that make it an attractive option for passive investors:

  • Integration of investment management and banking features
  • FDIC-insured savings accounts for peace of mind
  • Visa credit card with cash back rewards
  • No-fee personal loans to meet your borrowing needs
  • Automation and dynamic rebalancing for easy portfolio management

With M1 Finance, you can take control of your investments and finances while benefiting from a user-friendly interface and comprehensive range of features. Whether you’re a new or experienced investor, M1 Finance offers a convenient and efficient way to grow and manage your wealth.

Table 10.1: A Comparison of M1 Finance and Other Robo-Advisors

Features M1 Finance Competitor A Competitor B
Investment Management
Banking Features
Dynamic Rebalancing

Table 10.1 compares the key features of M1 Finance with two competitors. As you can see, M1 Finance stands out by offering both investment management and banking features, along with automation and dynamic rebalancing.

Decluttr – Best for Selling Tech and Media

Are you tired of your old smartphones, laptops, DVDs, and video games collecting dust? Decluttr is the perfect solution for selling your unwanted tech and media products. With this reputable resale app, you can easily turn your clutter into quick cash.

Decluttr simplifies the selling process by allowing you to scan or search for your items and get an instant price quote. Say goodbye to the hassle of creating listings and negotiating with potential buyers. With Decluttr, you can enjoy a streamlined selling experience.

Not only does Decluttr offer convenience, but it also provides free shipping for your items. No need to worry about extra costs eating into your profits. Once your items are received, payments are swiftly processed within 24 hours.

Choose between direct deposit or PayPal payments, ensuring quick and secure transactions. With Decluttr, you can rest easy knowing that you’ll receive your payment promptly.

Selling Tech and Media: Decluttr vs. Competitor X

Features Decluttr Competitor X
Instant Price Quotes Yes No
Free Shipping Yes No
Payment Processing Time Within 24 hours 2-3 business days
Payout Options Direct Deposit or PayPal Check or Store Credit

As you can see from the comparison table above, Decluttr offers unique advantages when it comes to selling tech and media products. It provides instant price quotes, free shipping, and faster payment processing compared to Competitor X. Choose Decluttr for a seamless and rewarding selling experience.


Money-making apps can be a great way to earn extra cash and supplement your income. While these apps may not make you rich overnight, they offer flexibility and a wide range of tasks that can fit various skills and preferences. By utilizing a combination of different money-making apps, you can maximize your earnings potential and create a steady stream of supplemental income.

It’s important to set realistic expectations when using money-making apps. While some apps may promise huge earnings, it’s crucial to remember that the amount you earn will depend on your efforts and the opportunities available. Treat app-based income as a supplemental source of funds rather than a get-rich-quick scheme.

When using money-making apps, always prioritize your financial goals. Set aside time each day or week to focus on completing tasks and earning extra cash. Determine how much time you can realistically devote to these apps and choose tasks that align with your skills and interests. Whether it’s completing surveys, delivering products, or selling unwanted items, find the apps and tasks that work best for you.

In conclusion, money-making apps offer a convenient and flexible way to earn extra cash and supplement your income. With the right combination of apps and realistic expectations, you can generate a steady stream of supplemental income to support your financial goals and aspirations.


What is Swagbucks?

Swagbucks is a popular app that allows users to earn points by completing tasks such as surveys, watching videos, and shopping online. These points can be redeemed for gift cards to popular retailers like Amazon and Walmart, or users can choose to receive cash back through PayPal.

What is Survey Junkey?

Survey Junkey is an online market research community where members can earn virtual points by completing surveys. These points can be instantly redeemed for e-gift cards or PayPal payments. Users can earn up to per month by completing three surveys a day.

What is Rocket Money?

Rocket Money is a money management and budgeting app that allows users to see all their financial accounts in one place, create budgets, automate savings, and monitor credit scores. The app offers various features such as credit reports and tracking to help users save more, spend less, and stay on track with their financial goals.

What is DoorDash?

DoorDash is a popular app that allows individuals to make money by delivering products from various establishments such as restaurants, convenience stores, and grocery stores. Dashers can choose their own hours and earn a base rate for each order, plus tips.

What is Rakuten Rewards?

Rakuten Rewards, formerly known as Ebates, offers users cash back, deals, and coupons at over 3,500 stores. Users can shop through the Rakuten website or app to earn cash back on purchases ranging from clothing and electronics to restaurants and ridesharing.

What is Upside?

Upside partners with businesses nationwide to provide personalized cash back offers, with a focus on saving at gas stations. Users can download the app, find and claim offers in their area, and pay with a credit or debit card to earn cash back.

What is Upwork?

Upwork is a freelancing marketplace where gig workers can connect with clients and offer their skills and services. Freelancers can create a profile, pitch projects, and bid for jobs in various industries.

What is TradeStation?

TradeStation is a trading app that offers advanced tools and trade execution for active traders and investors. Users can access real-time data, advanced charting, order tracking, and more. The app supports various trading options including stocks, options, futures, and cryptocurrency.

What is M1 Finance?

M1 Finance is a low-cost robo-advisor that allows self-directed investors to manage their investing, banking, and borrowing in one app. The app offers features such as FDIC-insured savings accounts, a Visa credit card with cash back rewards, and no-fee personal loans.

What is Decluttr?

Decluttr is a resale app that allows users to sell their unwanted tech and media products such as smartphones, laptops, DVDs, and video games. Users can simply scan or search for their item, get an instant price quote, and ship it for free. Payments are made within 24 hours of receiving the item, either through direct deposit or PayPal.