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25 Best Passive Income Apps to Make Money in 2024

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Written by: Kate Starr
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Key Takeaways

  • Passive income apps like PrizeRebel, Nielsen, and MobileXpression allow you to earn money by referring friends, sharing behavioral data, or simply installing an app on your phone. Potential earnings range from $5 to $100 per month.
  • Micro-investing apps such as Acorns, Fundrise, and Publicj enable users to generate passive income by automatically investing spare change or small amounts into stocks, real estate, or fractional shares, with average annual returns of 7.5% to 9%.
  • Cashback and rewards apps like Drop, Dosh, Ibotta, and Rakuten offer up to 40% cashback on everyday purchases, online shopping, or dining out, providing an effortless way to earn passive income on your regular spending habits.

25 Best Passive Income Apps

PrizeRebel – Refer Your Friends

PrizeRebel Summary

  • Up to $1 on average earnings per survey
  • Earn as much as a hundred each month
  • Rewards are sent in 24 hours
  • Up to 30% for referred user earnings
  • Cash out in Paypal, Bitcoins or Gift Cards
  • $30 million in rewards given

PrizeRebel is a leading paid online survey website that will pay you for sharing your opinion. Your feedback on the products and services you use can help businesses improve their products and services.

You can turn PrizeRebel into a source of passive income and earn up to $100 per month by referring your friends. Once your friends join the program, you will get at least 15% of all their earnings on the platform. The more friends you refer, the higher your income will be.

One of the best parts of this referral program is that the friends you refer will not experience lower earnings since the platform pays you directly.

Public – Become a Micro-Investor

Public is one of the most popular apps for downloading if you are interested in using investments to generate passive income.

Public lets you invest in: 

  • Stocks – either the entire share or fractional shares
  • Funds – invest in popular ETFs

One of Public’s unique features is that, unlike other micro-investing apps, it lets you connect with thought leaders within the app to learn about investing. If you are a beginner and wonder where to start, Public might be a good fit for you.

Nielsen – Share Your Behavioral Data

Nielsen Summary

  • Earn up to $60/year by installing an app
  • Earn up to $1000 from sweepstakes
  • 15 different types of rewards
  • Win up to $500 by downloading PC app

Nielsen is the most well-known market research firm worldwide. Although it specializes in tracking TV ratings, the company also offers the Nielsen Mobile & Computer Panel that gathers data about internet usage.

Once you register, you just have to keep the app installed and use your phone like you normally do. Nielsen keeps your privacy safe as it separates the information from your name.

You can earn up to $60 per year simply by sharing your behavioral data, which you cannot withdraw in cash but can exchange for physical prizes.

Although this may seem like a small amount, it is worth it since you do not need to do anything apart from downloading an app on your phone.

Acorns – Invest Your Loose Change

Acorns is a micro-investing app that is most popular for its Round-Up investing system. It takes your spare change and invests it automatically. Every time you purchase something with a linked credit or debit card, Acorns rounds it up to the nearest dollar and invests the difference in stocks of your choice.

For example, let us say you spend $10.50 on a meal. Acorns will round this purchase up to $11 and invest the remaining $0.50. Over time, these investments can add up to a significant amount.

With Acorns, you can expect an average of 7.5% return on your investments annually.

Fundrise – Invest in Real Estate

Real estate has always been one of the most profitable investment assets. Thus, you will find it in the portfolios of many successful investors. In addition, real estate is also known to generate the most passive income in the form of rental yields, and Fundrise is one of the best apps you can use to invest in real estate.

Fundrise is a crowdfunded investing platform that lets you invest your money in a portfolio of different properties. Portfolios have the potential to generate dividends quarterly, and shares in a portfolio can also grow in value over time.

On average, you can expect at least a 9% annual return when you invest with Fundrise. Simply download the app on Android or iOS to start investing. The app also provides insights like new construction updates, occupancy reports, market data trends, and project completions.

Note that all investing carries risk and that you may sometimes experience losses.

Drop – Earn Cashback on Your Daily Purchases

Drop Summary

  • Earn $10 from Drop Flash Deal offers
  • Get your reward within 3 days of redeeming
  • Earn up to $50 from referring friends
  • 5 different ways to earn rewards

Drop is one of the best passive income apps that allows you to earn cashback on your daily purchases effortlessly.

To start earning cashback with Drop, simply follow these steps:

  1. Download the app (on Android and iOS) and link your card when you are signing up.
  2. Choose five brands that you shop at the most. Drop features most major retailers, such as Walmart, Uber, Starbucks, Target, and more.
  3. Shop at affiliated merchants to earn cashback automatically.
  4. Redeem your Drop Points to gift cards from Amazon, Netflix, Starbucks, and more.

The amount of cashback you can earn will vary depending on the merchant. On average, most merchants offer 1% to 2% cashback. Although this may seem like a small amount, it means that you can earn $10 to $20 per month in free money if you spend $1000 that month. Thus, this makes Drop one of the easiest passive income apps to use.

Rocket Money – Save on Your Bills

Most people tend to forget that they are subscribed to various digital services, and they often get charged unnecessarily. Although Rocket Money does not technically help you earn a passive income, it is one of the best apps that can help you identify forgotten subscriptions so you can avoid wasting money on them.

Moreover, the app can also help you lower your bills to save money. Rocket Money negotiates with your cable TV, security, and other service providers so that you can enjoy lower monthly bills. On average, most Rocket Money users can save around $500 annually.

HoneyGain – Share Your Internet

Honeygain Summary

  • Earn $1 for every 10GB of data shared
  • Get $5 for each person you refer
  • Maximize earnings with more IP addresses
  • 2 payment options – PayPal and Bitcoin

Honeygain is one of the top passive income apps for internet plans with unlimited data. The app pays you to share your internet data for research purposes, helping internet companies improve their products and services.

When you share your internet connection through Honeygain, internet companies can access the web from your location. They use this connection to test how their content is shown in different parts of the world and make necessary upgrades.

On average, you can expect to earn around $10 per hour for Content Delivery and $1 for every 10GB of data you share.

Airbnb – Rent Out Your Home

Real estate has traditionally been one of the best sources of passive income. If you own an extra apartment or have a spare room in your house, you could rent it out for short-term stays to earn some extra cash with Airbnb.

The platform is very popular with short-term renters such as tourists. As a host, you can set the rental price per night for your property. On average, you can expect to earn up to $1000 or more per month.  

Your actual earnings will depend on the level of demand in your area. You can also use the AirDNA calculator to estimate your potential earnings based on your property type and location.

Sweatcoin – Get Paid to Walk

Sweatcoin Summary

  • Earn up to $20 per month once you reach highest membership tier
  • Get $0.25 per referred friend
  • You can transfer Sweatcoins between users
  • Accurate step counting

If you are looking for a way to get paid to walk, Sweatcoin is one of the best passive income apps you can consider. It is available on both Android and iOS and since Sweatcoin’s mission is to support a healthier life, it rewards you when you walk.

You can expect to earn around 0.95 Sweatcoins for every 1000 steps you walk. 20 Sweatcoins are worth $1, and you can exchange your Sweatcoins for prizes such as Amazon gift cards, clothing, and much more. Note that there are some limits on the amount of Sweatcoins you can earn depending on your subscription level.

Subscription LevelCostEarning Limit
MoverFree5 Sweatcoins per day
Shaker4.75 Sweatcoins per month10 Sweatcoins per day
Quaker20 Sweatcoins per month15 Sweatcoins per day
Breaker30 Sweatcoins per month20 Sweatcoins per day
Trouble Maker$0.99 per month50 Sweatcoins per day

Dosh – Get Rewarded on Your Spending

Dosh Summary

  • Data is secured with 256-bit encryption
  • $10 sign up bonus for new members
  • Get $10 for each friend you refer
  • Over 100,000 places to get cashback

Dosh is one of the most popular cashback apps. It allows you to earn an average of 1% to 5% cashback automatically.

Using Dosh is simple: you just need to download the app (on Android and iOS) and link your card to sign up. You will then automatically earn cashback when you spend at an affiliated merchant.

The platform works with over 10,000 merchants, including:

  • Walmart
  • Costco
  • Petsmart
  • Postamates
  • Starbucks
  • Dunkin Donuts
  • and many more

Some merchants like hotels will even give you up to 40% cashback on your bookings, making Dosh one of the highest-paying cashback apps you can use to earn a passive income. Once your earnings reach $25, you can transfer money to your bank, PayPal or Venmo.

MobileXpression – Share Your Internet Usage Data

MobileXpression Summary

  • Earn a $5 gift card every few weeks for keeping app acitve in background
  • Get paid $0.50 per survey
  • New members receive an entry into a $100,000 sweepstake
  • Donates tree if you keep your new account active for 90 days

MobileXpression is one of the best passive income apps out there. It pays you in exchange for tracking and collecting your internet usage data.

To start earnings with MobileXpression, you do not need to do anything other than download and activate the app. Then, use your phone as usual, and you will earn an average of 5 credits per week.

Redemption OptionCredits Required
$5 Gift Card10 credits
$10 Gift Card15 credits

You can redeem your earnings for gift cards from popular stores, such as:

  • Amazon
  • Target
  • Dunkin Donuts
  • AMC Theaters
  • Home Depot
  • Cold Stone Creamery
  • and many more

Pro tip: save your credits and redeem them when you have 15 credits to get a better conversion rate.

Betterment – Use a Robo-Advisor

Betterment is a robust investing app with a Robo-advisor built into the platform. If you are new to investing, you can simply follow the portfolios recommended to you by the Robo-advisor. Depending on what you intend to achieve from investing, the platform will recommend the most suitable portfolio for you.

According to the company, users can stand to earn up to 38.8% annual returns on their investments.

Ibotta – Upload Your Receipts

Ibotta Summary

  • 2 ways to earn – app or browser extension
  • Earn up to 30% cash back on purchases
  • Get a $5 bonus by referring friends
  • Over 1500 stores you can earn cash back at

Ibotta is a savings app that will offer you up to 15% cashback on your regular shopping either online or in-store. The company partners with various popular brands such as Walmart, Target, Sephora, and many more to give you some of the best deals available.

To get cashback on your purchases, you need to upload a photo of your receipt after you finish shopping. Your earnings will vary based on your overall spending habits, although the average cashback amount is between 3% and 8%.

M1 Finance – Invest in Fractional Shares

M1 Finance is one of the best passive income apps for beginner investors. It allows you to invest in fractional shares, starting with as little as $1. With fractional shares, you can buy a stake in stocks and ETFs based on your investment amount rather than the share price.

The app also enables you to create investment portfolios known as Pies. You can use these Pies to split your investment amount into different industries.

Overall, micro-investing with M1 Finance will not get you rich overnight. Nonetheless, you can generate passive income over time if you invest money regularly.

Your rate of returns may vary depending on several factors, such as market performance and portfolio allocation. Nonetheless, if you invest in a relatively stable portfolio such as the S&P 500, you can earn average annual returns of over 10%.

Rakuten – Earn Cashback on Online Purchases

Rakuten Summary

  • High cashback potential of up to 40%
  • Earn cashback at over 2500 online stores
  • 6 different ways to earn cashback
  • Get $10 for free just for signing up

Rakuten is the largest online shopping marketplace that partners with gigantic brands like Amazon, Sephora, Macy’s, and many more. The app allows you to earn up to 10% cashback on your online purchases, making it the best cashback app if you spend a lot online.

Here is how you can start earning cashback on Rakuten:

  • First, start by signing up for an account with Rakuten.
  • Secondly, choose a store you want to shop at on the Rakuten website.
  • Lastly, shop as you normally would, and your earnings will automatically be credited to your account.

The platform also offers a $10 sign-up bonus if you earn $25 in cashback within your first 90 days of joining.

Robinhood – Invest in Cryptocurrency

Robinhood is one of the most popular apps for investing in stocks, ETFs, options, cryptocurrency, and other financial instruments to earn a passive income. The platform does not charge any commissions, and it also does not have a minimum account balance requirement. These factors make it a good fit for beginner investors.

Additionally, Robinhood offers a competitive interest of 0.30% on your uninvested cash to give you more flexibility with your brokerage account.

Turo – Rent Out Your Car

If you own a car that you don’t use often, you can rent it out for passive income when you are not using it. Turo is one of the best passive income apps for renting out your vehicle for cash to someone who wants to use it.

As a renter, you can set the daily price for your listing manually or let the Turo automatic pricing feature do it for you. On average, you can expect to earn between $40 and $60 per day, depending on several factors, including the make and model of your vehicle, the year, and the demand for car rentals in your area.

You can use the online calculator tool on the Turo website to estimate your potential earnings.

OnMyWay – Drive Safely

If you drive regularly or daily, OnMyWay offers one of the easiest ways to earn some extra passive income. OnMyWay’s goal is to improve road safety by discouraging texting and driving. Thus, the app will pay you $0.05 for every mile that you drive safely.

To start earning, simply download the OnMyWay app (available on both Android and iOS) and sign up for an account. OnMyWay will automatically activate when you drive over 10 MPH

Seated App – Get Cashback when Dining Out

Seated App Summary

  • High rewards from top restaurants
  • Free to sign up and use
  • Simple and easy to use
  • Great referral bonus

If you dine out frequently, Seated App can be a great way to earn some passive income. The app (available for both Android and iOS) offers you up to 30% cashback when you dine at a restaurant.

You can redeem your earnings for gift cards from:

  • Amazon
  • Uber
  • Airbnb
  • Sephora
  • Nordstrom
  • Delta
  • and many more

Native App – Complete Simple Tasks

Native Apps can be great ways to generate passive income by sharing data, habits, and behavior with companies you shop with.

The app will assign you various simple tasks that you can complete to earn money. Some of these tasks may be dependent on your location, such as tasks that require you to check the price of an item at a supermarket. You need to complete the tasks as instructed to earn rewards and payments.

Your potential earnings start from $0.03, although most tasks on the app tend to be very simple. More complex and time-consuming tasks can pay more.

Note that Native App is currently available only on Android devices.

LendingClub – Lend Out Your Extra Cash

If you’re interested in earning a passive income by lending out your extra cash, LendingClub is one of the best peer-to-peer lending apps that you can join.

Here’s how it works:

  1. Borrowers apply for loans.
  2. As an investor, you can choose to lend your money to borrowers. You can spread out your investments across different loans to reduce your risk and diversify your portfolio.
  3. You can either choose the default investment plan or create it manually and select the loans that can pay you the best interest.
  4. Every month you receive principal and interest as borrowers pay back their loans

On average, you can expect to earn around 5% annual interest on the default investment plan. If you opt to choose your loans, you can stand to earn even more, although you run the risk of a borrower defaulting on their loan.

SavvyConnect – Share Your Mobile Browsing Data

SavvyConnect is one of the most popular passive income apps. It rewards you for sharing data about your internet browsing habits, which is then used to help companies improve their marketing efforts.

Simply follow these steps to start earning money with SavvyConnect:

  1. Install the SavvyConnect app
  2. Browse the internet as you normally would using your devices
  3. Earn $5 per month for every device you have downloaded the app on
  4. Cash-out your earnings via check

Fronto – Watch Ads

If you use an Android phone and are willing to watch ads on your phone for extra passive income, Fronto is one of the best apps you can download.

To start earning money by watching ads with Fronto, simply follow these steps:

  • Install the Fronto app—it will automatically become your lock screen. Sliding your finger towards the right shows ads, and you can pay up to $2 per interaction.
  • Use your smartphone as usual.
  • Earn 20 cents daily for just checking the app.
  • You can cash out your earnings via PayPal or redeem them for gift cards from Amazon, Google Play, Target, Walmart, iTunes, and Steam Wallet.

How Do Passive Income Apps Work?

Passive income refers to a means of income that does not require you to put in significant amounts of effort each day.

Most of the passive income apps on this list are easy to use. Plus, they mostly take less than 10 minutes to set up. After setting the apps up, there is not much else you will need to do before you start earning regularly.

How Can I Make Passive Income Fast?

If you want to make passive income fast, you can consider using a combination of the different apps on this list. Most of the apps on this list enable you to earn passive income differently. Thus, you can use more than one at the same time to maximize your earnings.

Some of the top passive income apps you can use include:

  • PrizeRebel
  • Nielsen
  • Acorns
  • Sweatcoin
  • Robinhood
  • Rakuten
  • Drop
  • Rocket Money

Nonetheless, you should still remember that passive income does not require you to put in much effort, but it is also not instant. You are unlikely to earn a large amount of passive income in a short time, although the total amount you can earn in the long run is quite significant.

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Kate Starr


About the author:

Kate Starr is a personal finance, FinTech and MarTech writer. Her areas of expertise include making money, investing, and money management.

From earning money as a beginner entrepreneur to advanced investing in the stock market, Kate’s guides can help you to get more ideas on how to earn income online and increase your wealth.

The content on is for informational and educational purposes only and cannot replace any professional financial advice.
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