Best 14 Daily Earning Apps Without Money Investment

Let me reveal a secret – you don’t necessarily need money to earn money. Many amazing money-making apps offer an opportunity to earn some extra cash every day without any investments whatsoever. 

Completing surveys, playing games, watching videos, and collecting cashback are just a few examples of how you can start earning cash in your free time. While no money-making app (with the exception of freelancing platforms) will enable you to quit your daytime job, they have the potential to become a steady source of passive income.

Top 14 Daily Earning Apps Without Investment

Dozens of apps promise cash rewards or prizes when you redeem points. Others promise to connect you with high-paying work projects. Not all of them are worth your time, and testing every available app isn’t profitable either. We did the research, so you won’t have to. 

The best money-making apps have decent potential earnings, varied payment methods, low payout thresholds, and far-reaching availability. Here’s a list of the best money-making apps fitting such criteria.

Top 5 Money-Making Apps

• Best overall: Pawns.app
• Best for cashback: Monetha
• Best for games: Mistplay
• Best for freelancing: Fiverr
• Best for e-commerce: OfferUp

Pawns.app

• Potential earnings: $10-$50 per month
• Payout methods: PayPal, Bitcoin, virtual gift cards
• Payout threshold: $5
• Availability: Worldwide
• Platforms: Android, iOS, Windows, MacOS, Linux

Pawns.app checks all the boxes for an app to start making money without investments. It’s reliable for anyone worldwide to earn money by completing surveys, sharing unused internet bandwidth, referring other users, and performing simple quests. Other fun ways to generate income include games, lucky draws, and the leaderboard, where the top three weekly users enjoy bonuses of $50, $100, and $150!

The payout threshold of $5 is easy to reach, even with occasional use. Your cash rewards are paid straight to your Visa card or PayPal account unless you want them converted into gift cards or Bitcoin.

If you want to learn more, check out this video:

How Much Can I Earn?

Two main ways to start making money with the Pawns.app are to complete surveys and share internet access. Survey value depends on the topic and your demographics but averages around $1. Sharing your bandwidth is even easier. You only need to flip a switch to allow others to access the web from your location.

With a rate of 0.2$ per 1GB, sharing one IP address 24/7 can bring you $9.60 per month. If you add a couple of surveys per day, you’ll reach around $15 per month without breaking a sweat with this money-making app.

Your earnings can be significantly increased by doubling down on the number of IPs you share and surveys you complete or by accomplishing simple tasks on the Pawns.app. For example, inviting referrals brings 10% of what they earn FOREVER, along with a $3 bonus for you and the invitee.

Pros

• Completely legitimate

Over two million people from over 190 different countries earn money from it every day.

• Guaranteed payouts

The low payout threshold and various payment methods ensure everyone can reach and receive their earnings.

• Fully passive income

You can earn money just by flipping a switch on the main dashboard and answering quick surveys.

• Private and secure

The app doesn’t require you to share any of your personal data and is monitored 24/7.

Cons

• Regional differences

As with all money-making apps, potential earnings and payout options may vary based on your location. The team is working hard to expand available options.

2. Monetha

• Potential earnings: Up to 70% of monthly spending
• Payout methods: Gift cards, discounts, free gifts, various cryptocurrencies (BTC, ETH, BNB, USDT, and more)
• Payout threshold: None
• Availability: Worldwide
• Platforms: Android and iOS

Monetha is a money-making app centered around cashback. By shopping via the platform, you can save up to 70% of your purchases, answer surveys, and engage with companies via other in-app activities.

The Monetha platform is full of known vendors – from online retail stores and software providers to bars and restaurants. Each interaction helps you earn cashback, which can be converted into gift cards you can use at 5,000 vendors, at least four types of cryptocurrencies, and charity donations. You can also use your cashback for future purchases.

How Much Can I Earn?

Monetha promises a high cashback return rate (as much as 70%), but it all depends on how invested you are in the platform. Taking surveys, sharing your profile, and referring friends will help you earn points much faster.

You can almost triple your cashback rate by spending Monetha tokens to boost earnings. Boosts are also rather easy to acquire with daily activities. If you’re smart about it, you can get back around $50 from the $100 you spend.

Pros

• High cashback rate

If you play your cards right, you can receive most of what you spend back.

• Lots of popular brands

Monetha shop is full of known brands and local stores you are likely shopping at anyway.

• Great for acquiring crypto

You can build a crypto investment portfolio in your Binance wallet by receiving cashback in Bitcoin, Ethereum, Tether, and others.

Cons

• No PayPal cash payouts

If you want to earn fiat currencies, Monetha isn’t for you.

• Learning curve

Learning how to boost earnings and get the best rewards takes time.

3. Mistplay

• Potential earnings: $15 per month
• Payout methods: Gift cards, PayPal top-ups
• Payout threshold: $5
• Availability: United States, Canada, United Kingdom, France, Germany, Australia, New Zealand, Spain, Italy, and South Korea
• Platforms: Android

Anyone who plays games on their Android device should use Mistplay. It’s an effective play-and-earn platform that allows users to discover over 400 games and earn rewards. Most of the time, you simply need to play a game.

Occasionally, you’ll also provide feedback or will need to reach certain milestones to increase the number of points (loyalty units) you receive. There’s also a referral program and profitable contests.

How Much Can I Earn?

The amount of Mistplay units you earn increases with more gameplay. Although there’s a two-hour daily cap, consistent use can earn you a $5 gift card each week.

The app increases with your earnings unit multipliers, daily play challenges, bonus tasks, boosted games, and other factors. You should also be on the lookout for Mistcodes, as they provide various rewards.

Pros

• Good for leisure

Unlike some other money-making apps, the games are actually fun to play on Mistplay.

• A large variety of games

It’s quite surprising that there are hundreds of games paying for you to play them.

• Popular payout vendors

You can get rewards from known brands, such as Amazon, eBay, Xbox, and many others.

Cons

• Limited regional availability

Currently, the app only works in selected countries in Europe, North America, and Asia.

• Only on Android

Mistplay is only available on the Google Play Store, but there are signs that an iOS version is in the works.

4. Sweatcoin

• Potential earnings: $20 per month
• Payout methods: Gift cards and discounts on purchases
• Payout threshold: Around $5
• Availability: United States
• Platforms: Android and iOS

Out of all passive money-making apps, Sweatcoin is the most active. It rewards users for walking or running. The free mobile app tracks your movements using your smartphone or Apple watch. Each verified movement is then converted into Sweatcoins.

You can donate them to charities or spend in the marketplace for gift cards, sports gear, and other products. Many purchases can be covered fully by Sweatcoins or exchanged for a hefty discount.

How Much Can I Earn?

The value of a Sweatcoin fluctuates, but it’s roughly about $0.01. It’s not much if you want to build an investment portfolio, but it’s worthwhile for simply walking. One thousand steps is equal to 0.95 Sweatcoins.

If you’re an active person, you’ll make at least 10,000 steps per day, which translates to around 300 Sweatcoins per month. You can increase how much you earn by participating in challenges, boosts, or inviting friends. However, the most effective option is getting a paid premium subscription, which doubles the amount of Sweatcoins earned.

Pros

• No hidden catches

You walk, you receive Sweatcoin. Millions of people are already using it.

• Innovative solution

Sweatcoin won’t make you rich, but not many money-making apps reward you for walking.

• Accurately counts steps

The app isn’t any worse at counting your movements than those that won’t earn money for you.

Cons

• Marketplace lacks offers

Most valuable offers get sold out rather quickly.

• No cash payouts

There is no possibility of cashing out Sweatcoins to your bank or PayPal account.

5. Receipt Pal

• Potential earnings: $10 per month
• Payout methods: Gift cards, cash prizes
• Payout threshold: $5
• Availability: United States
• Platforms: Android and iOS

Receipt Pal shows that money-making apps don’t need many features to be good. One effective way to earn money is enough. Receipt Pal pays to upload e-receipts or take pictures of physical ones. 

Each receipt earns you points, which can be redeemed for gift cards from many popular retailers. Points also earn you entry to weekly sweepstakes for winning $250.

How Much Can I Earn?

Every four receipts fill one green point card worth $0.25. It isn’t much, but you’ll visit a store at least 20 times per month anyway. You might as well earn an additional $5 with Receipt Pal.

You can maximize these earnings by participating in weekly bonus games. They’ll earn you more points or a place in cash prize contests. However, you shouldn’t count on winning them often.

Pros

• Easy to get started

Simply install the app, scan receipts, earn points, and redeem gift cards.

• Quick receipt confirmation

Most paper and online receipts are qualified as valid within 24 hours.

• Many gift card options

Lots of popular vendors are available in different denominations, including virtual Visa.

Cons

• Modest earnings

With $0.25 per four receipts, Receipt Pal makes it difficult to achieve significant income.

• Only one way to earn points

Other apps offer many more methods to earn money.

6. Givvy

• Potential earnings: $5 per month
• Payout methods: Crypto, gift cards, and various cashout options
• Payout threshold: $0.35
• Availability: Worldwide
• Platforms: Android

Givvy isn’t just one app. It’s a whole brand of money-making apps. There’s a daily earn money app for playing games, watching video ads, listening to music, filling out surveys, completing tasks, and more. 

Every app works quite similarly and is designed to be an addictive way to make extra cash. Each activity allows you to earn Givvy coins, which can be exchanged for gift cards, cryptocurrency, or cash in your bank account.

How Much Can I Earn?

Just by downloading one of the money-making apps and registering, you’ll earn coins. Playing a couple of games or watching a few videos will accumulate you around 3500 Givy points. At the time of writing, $0,01 equals 10000 Givy points. 

It’s quite realistic to earn around $5 per month using the app daily. Options to increase your earnings include referring friends, downloading other apps, or engaging with Givy on social media.

Pros

• Entertaining

Watching YouTube or playing games on Givvy is as fun as doing the same without getting paid.

• Many payment providers

There’s an abundance of payout options if you want to cash out to your bank account.

• Low payout threshold

Most payment options start from $0,35, but there are even lower ones.

Cons

• Modest earnings

The amount of bonus actions you have quickly run out, and you get capped at a couple of dollars per month.

• Could have one app

Multiple money-making apps make it more difficult to reach significant payout thresholds.

7. Swagbucks

• Potential earnings: $40 per month
• Payout methods: Gift cards, PayPal top-ups
• Payout threshold: $2-$5
• Availability: Worldwide
• Platforms: Android and iOS

Swagbucks is one of the oldest and most popular money-making apps. It lets users from all over the world take surveys, play games, and get cashback from online purchases.

Each activity on the app will earn you points (called SB), which can be redeemed for PayPal money, donations, or gift cards from popular providers like Amazon. You can find rewards with a Payout threshold as low as $2, but the most valuable options are over $5.

How Much Can I Earn?

Realistically, you can earn around $40 per month with a couple of hours on Swagbucks every day. Perhaps due to its popularity and partnerships, only users from Western Europe and the United States can earn such an amount easily.

An average survey, for example, earns you just around 50 SB, an equivalent of $0.50. Actively referring friends, participating in contests, and reaching goals will earn you SwagUps, which doubles your earnings or significantly increases your SB count in other ways.

Pros

• Legitimate

Swagbucks is trusted by millions of users and has a proven track record of paying out rewards.

• Various money-making activities

There’s always something profitable to do at Swagbucks.

• Easy-to-reach payout threshold

Although payouts vary, you can find options for as low as $2.

Cons

• Unbalanced earning potential

Although Swagbucks is available in Europe, the Americas, Asia, and parts of Africa, earning possibilities are sparse for the latter two.

• Videos and games

The platform no longer offers videos, and most games have unreasonable goals.

8. Shopkick

• Potential earnings: $20 per month
• Payout methods: Gift cards, discounts, PayPal cash
• Payout threshold: Around $5
• Availability: United States
• Platforms: Android and iOS

Shopkick is a rewards and cashback app for both online and in-store purchases. It allows you to earn points by visiting stores, linking your payment card, checking in to locations, scanning barcodes or receipts, inviting friends, and more.

Shopkick points, called kicks, can be exchanged into gift cards, discounts, and PayPal account top-ups. The best rewards can be redeemed when you accumulate around $5 worth of kicks.

How Much Can I Earn?

Accumulating 3,750 kicks, which is equivalent to $15 per month, is achievable with active daily use of the app. The amount of kicks you earn from actions varies based on available in-store offers, seasonal promotions, and how much you use the money-making app. Most actions are worth at least 250 kicks while inviting one friend will give you 500 kicks.

Pros

• Fun and convenient

It’s one of the most intuitive money-making apps, and you won’t get bored with the variety of simple tasks it offers.

• Great selection of payouts

Many gift cards, discounts, and cash rewards are available.

• Effortless

If you link your payment card, earning kicks are almost effortless.

Cons

• Kick value differences

Same value PayPal payout, for example, requires more kicks than other methods.

• Impulse buying

Barcode scanning and walk-ins encourage purchasing what you might not need.

9. Rakuten

• Potential earnings: 20%-40% of monthly spending
• Payout methods: Gift cards, mailed checks, or Paypal payments
• Payout threshold: $5
• Availability: United States, Japan, France, Germany, the United Kingdom, and Spain
• Platforms: Android and iOS

Rakuten is one of the most well-established cashback platforms. It returns up to 40% of your spending on purchases from numerous top food delivery services, cafés, and retailers. All you need to do is use the Rakuten app, website, or browser extension to complete your purchases. 

In-store cashback is also available once you link your payment card to your Rakuten account. Cashback rewards are delivered as PayPal top-ups and gift cards, donations, or physical checks.

How Much Can I Earn?

After your first Rakuten shopping trip of more than $5, you will be eligible for a payout after 15 days. Later, Rakuten automatically sends you cashback payments every three months. 

The best way to increase your cashback rate is to look for offers to boost it. They can even double the speed at which you are making money. Boosts are limited-time offers and can expire, but the more you use Rakuten, the more you get them.

Pros

• Trusted brand

Rakuten goes back to 1998 and has served millions of users.

• Browser extension

You can continue shopping online the way you always did and still get the cashback with the add-on available on most web browsers.

• Seamless experience

You might even forget you are using Rakuten until you receive a payment.

Cons

• Low cashback rate

Compared to other money-making apps, Rakuten’s offers are quite low.

• Limited availability

The app is available only in six countries and lacks local stores.

10. Branded Surveys

• Potential earnings: $30 per month
• Payout methods: Gift cards, PayPal, bank transfer
• Payout threshold: $5
• Availability: Canada, United Kingdom, United States
• Platforms: Android and iOS

The money-making app of Branded Surveys is worth a look if you can’t get enough surveys. They have a large selection of fun questionnaires and polls that take around 20 minutes to complete.

Filling out surveys helps you earn points, which can be redeemed as vouchers, charity donations, or straight into your bank or Paypal account.

How Much Can I Earn?

You can start withdrawing money from Branded Surveys when you reach 500 points. Most surveys are worth from 25 to 50 points (around $0.50). 

Earning more is possible by completing poll and survey streaks with the Branded Elite program, which increases the number of points gained. Climbing up the leaderboard ranks also brings you some rewards, but the most profitable boost is referring friends.

Pros

• Local currency payouts

The platform conveniently exchanges currencies.

• Lots of surveys

Branded Surveys have a lot of paid surveys to apply for.

Cons

• Low payouts

Competitors have better value surveys to offer.

• Hard to qualify

Most surveys, especially better-paying ones, are difficult to qualify for.

• Available only in a few countries

Most countries aren’t supported by Branded Surveys or have little opportunities to offer.

11. Meesho

• Potential earnings: $100 per month
• Payout methods: Bank transfers
• Payout threshold: None
• Availability: India
• Platforms: Android and iOS

Meesho might not hold the massive sway of Amazon or Aliexpress. However, it’s the fastest growing e-commerce platform in India, a country with the world’s biggest population. On Meesho, customers can find clothes, toys, household products, skincare items, and more. 

To make money on Meesho, you’ll need to register as a retailer. After that, create a catalog of products with rich descriptions and clear, enticing images. Don’t forget to promote your items on Facebook, Instagram, and TikTok. Upon a successful sale, retailers receive funds 15 days after delivery.

We can attribute the platform’s rapid growth due to its commitment to low commission rates (0% for most product categories), strong reliance on social media, and affordable prices. 

How Much Can I Earn?

On Meesho, retailers earn as much as they sell. Commission rates hover around 1.1-1.4% at the most. Furthermore, the platform includes shipping costs in the final price of products, thereby alleviating the burden on the retailer’s end.

Pros

• Low commission

Retailers pay some of the industry’s lowest rates to the platform. Therefore, they get to keep a higher percentage of revenue. 

• Penalty-free returns

Meesho does not penalize retailers for customer-initiated returns.

• Easy registration

The platform keeps things simple for retailers, regardless of size.

Cons

• Negative perception

Customers may associate substandard quality with all retailers related to Meesho due to past purchases.

• Slow deliveries

Customers who purchase from retailers opting for first-party fulfillment often receive their packages late.

12. Fiverr

• Potential earnings: $500-$1,000 per month
• Payout methods: PayPal, Fiverr Revenue Card, Bank Transfer, Direct Deposit, and Payoneer (with certain methods only available in selected countries)
• Payout threshold: $30
• Availability: Worldwide
• Platforms: Web, Android, and iOS

Fiverr is a marketplace for clients seeking copywriters, data entry workers, social media managers, and more. It’s an excellent platform for freelancers seeking to establish themselves in their industry, notably due to its global presence.

The highest-earning freelancers on Fiverr make it a point to deliver excellent customer service. They respond quickly and calmly to inquiries, resulting in good reviews and ratings. 

How Much Can I Earn?

Upon its founding in 2010, Fiverr set $5 as the asking price for all jobs on the platform. Today, the platform still has a minimum pay rate of $5. However, freelancers on the platform can earn up to thousands per job. 

Fiverr takes a 20% cut from all payments. This rate might seem exorbitant. Nonetheless, the platform offers freelancers guaranteed payments for completed jobs, connections to potential clients, and access to a team that handles disputes. 

Pros

• Flexibility

Freelancing on Fiverr means you only accept jobs that pique your interest and are worth your while.

• Guaranteed payment

Fiverr’s structure ensures that freelancers receive their due upon job completion.

Cons

• Fiverr’s cut

Freelancers have to forgo 20% of their earnings, which verges on the steep side.

• Challenging for beginners

It may take a while for new Fiverr freelancers to find clients.

• Subjective performance

Expectations differ, so a client might give a freelancer a low rating for a job done well by most standards.

13. OfferUp

• Potential earnings: 87.1%-100% of sales value
• Payout methods: Cash, app-based payments such as Venmo and Zelle, debit cards, and bank transfers
• Payout threshold: None
• Availability: United States
• Platforms: Android and iOS

Think of OfferUp as a platform similar to Craigslist, except with a better user experience. It is a marketplace for products and services. OfferUp also connects employers to job seekers. Many people use it to sell unwanted things lying around the house. 

If you want to become a seller on the platform, all you need to do is create an account and list your items. OfferUp has a messaging feature for secure communication, where buyers can discover more about the condition of an item and perhaps haggle on the price. Local transactions typically occur in-person.

How Much Can I Earn?

OfferUp is a free-to-use platform. That means zero fees, whether you’re a buyer or seller. For in-person transactions (handovers), you make 100% of your item’s price. 

However, some features on the platform do incur fees, such as nationwide shipping, item promotions, ad-free experience, and additional listings. Sellers who use OfferUp’s shipping service have to pay the platform 12.9% of the item’s final price. They will receive funds two days after item delivery (and acceptance).

Pros

• Excellent for decluttering

Things that are lying around no longer have to take up space around the home.

• Broad audience

One in five Americans regularly use OfferUp, so sellers have an easy time finding buyers.

Cons

• Safety concerns

While OfferUp does offer users secure locations for handovers, in-person transactions always come with some level of risk.

• Limited customer support

In the event of disputes, buyers and sellers are frequently left in limbo due to delayed responses or actions from OfferUp.

14. Upwork

• Potential earnings: $500-$1,000 per month
• Payout methods: Local and digital bank transfers, PayPal, Payoneer, and M-Pesa
• Payout threshold: None
• Availability: 180 countries (worldwide with exceptions such as Russia, Iran, and North Korea)
• Platforms: Web, Android, and iOS

Upwork is a freelancing platform much like Fiverr. However, it has a focus on larger projects in various industries, such as graphic designing, web developing, and marketing. These projects typically require more extensive back and forth communication between the client and freelancer compared to the shorter-term gig available on Fiverr. 

How Much Can I Earn?

Freelancers on Upwork use Connects to express interest in a job. Those on basic accounts receive 10 free Connects monthly. Additional Connects cost $0.15 each (and can be purchased in bundles). The platform charges freelancers a 10% service fee on all earnings. 

Pros

• Global clients

Upwork is a chance for freelancers to develop their skills and earn regardless of their location.

• Zero paperwork

Upwork handles the necessary paperwork, so freelancers only need to worry about doing a good job and meeting their client’s expectations.

• Useful work tracking tool

Freelancers have a built-in project manager on Upwork, helping them monitor progress and meet deadlines.

Cons

• High competition

Many Upwork freelancers report having to spend high amounts on Connects before landing a project.

• Scams abound

Upwork screens projects before showcasing them on the platform. However, scams still make their way through.

Conclusion

There you have it – the 10 best money-making apps in terms of how much you can earn without any initial investment. You can take the more serious route with Upwork or Fiverr, or have fun while earning on Pawns.app. Survey apps might not make you rich overnight, but they’re a great place to start monetizing your free time. Let these apps to earn money be the first steps you take toward financial freedom. You deserve it.

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