15 Best Money Making Apps for 2019

Estimated Read Time: 3 minutes

Sometimes you need extra cash for bills. We’ve all been there, especially if you live in an expensive city.  Maybe you are trying to save up for something special.  If you are wondering how to make money today or what apps pay you real money, you’ve come to the right place.

The Millennial Money team conducted a detailed review of the Best Money Making Apps to earn extra cash fast in 2019.

By the end of the post, you will be prepared with 15 new strategies to make extra money with only a few clicks on your smartphone!

Before we go any further, you need to know that these money making apps are not a substitute for your day job. That said, they are a great way way to supplement income in the short term. Luckily, 2019 has never been a better time to utilize apps and technology to make extra money fast.

Best Money Making Apps You Need in 2019

  1. Survey Junkie
  2. Swagbucks
  3. Mypoints
  4. Ibotta
  5. Rakuten
  6. Acorns
  7. Stash
  8. Paribus
  9. Trim
  10. Earny
  11. Betterment
  12. Wealthfront
  13. Blooom
  14. AirBnb
  15. Fundrise

We broken these money making apps into 6 categories to help simplify your money making journey:

  • Apps To Make Money By Sharing Your Opinion
  • Save and Make Money Shopping Apps
  • Rounding Up Money Making Apps
  • Take Back Your Money Apps
  • Investment Apps That Pay Dividends And Will Grow Your Money
  • Real Estate Money Apps

Apps To Make Money By Sharing Your Opinion

The best apps to make money taking surveys from your phone. Sign up for these free apps to make money online.

1. Survey Junkie

Survey Junkie is a legitimate way to earn extra cash while you are waiting for the bus, on your lunch break, or even when vegging on the couch. I like to take earn money with Survey Junkie as I wake up in the morning. Survey Junkie is 100% free and easy to sign up. Once signed up, (which takes less than 1 minute), you can start taking surveys on the go, from anywhere on your phone!

Why is Survey Junkie the worth your time?

Simple. With Survey Junkie, you can make the most money in the least amount of time (compared with many other sites)!

Plus, you can take surveys and make money on your phone!

Using my specially design Survey Junkie Point-to-Time Ratio Calculator, you can easily identify which surveys are the most valuable to take.

Once you are signed up, and ready to take surveys, use this ROI calculator to prioritize surveys to complete.

The key to success is to only take surveys that have the highest time to point (payout) ratio. In other words, it’s important to identify the surveys that will pay the most for the least amount of time.

Check out Millennial Money’s survey review post.

Pros of Survey Junkie:

  • You will receive a sign up bonus with this link when you register for free!
  • 100% free to join and participate. Survey Junkie will never ask you to pay money. You will only get money!!
  • When you take surveys, you earn points which can be paid out in cash via PayPal, or via Amazon Gift Card!
  • Legit online survey site that will pay you to be an influencer, and share your opinion to help brands deliver better products.
  • Security. All answers are completely anonymous!
  • Some surveys will pay up to $50 per survey, and some will take you less than 5 minutes to complete!
  • You can utilize the Points to Time Ratio ROI calculator above to optimize efficiency.
  • There will be times when you are not eligible for a survey. That’s OK! You will still earn points


  • In order to receive a payout, you will need to earn enough points equivalent to $10 (this will only take a day or so!)
  • Only users from US, UK, Canada, and Australia are eligible.


Survey Junkie - Get Paid to Take Surveys Price: FREE Survey Junkie is the most reputable online survey company and an easy way to make some extra money in your free time. Learn More Survey Junkie - Get Paid to Take Surveys

2. Swagbucks

Swagbucks is the fun rewards program that gives you free gift cards and cash when you redeem points online. Additionally, you can use Swagbucks to take surveys online to earn points in exchange for cash!

It’s really simple. Just press a few buttons in your free time and boom! Money! This is such a great money app to earn cash.

Once you sign up to become a free Swagbucks member, you can start taking surveys to share opinions.

You will earn Swagbucks points or SB points. Swagbucks will reward you with cash back or free gift cards.

Like Survey Junkie, Swagbucks is one of the best paying survey sites that will earn you money from your phone and pay via PayPal.

Swagbucks is known as the premier destination to take paid surveys to earn money for giving their opinion online. They give access to tens of thousands of paid survey opportunities each day.

With every online survey, you are influencing decision-makers from premier companies and organizations.

Pros of Swagbucks:

  • You can download the Swagbucks smartphone app to make money taking surveys in your spare time.
  • In addition to surveys, you can participate in simple takes such as watching videos.
  • When you complete tasks, you earn points which can be paid out in cash via PayPal.
  • Using the points to time ratio, you will be able to be efficient with your time and optimize your earnings.
  • A legit money-making app that will pay you to be an influencer, and share your opinion to help brands deliver better products.
  • Some surveys will pay up to $35 per survey.
  • Security: All answers are completely anonymous
  • You will receive a $5 sign up bonus.


  • Sometimes your cash out can take a few days.


Swagbucks - Easy Online Reward & Surveys Price: FREE Swagbucks is a legit money-making app where you can make money taking surveys, watching videos, and more. Learn More Swagbucks - Easy Online Reward & Surveys


3. MyPoints

MyPoints is a platform that allows you to you earn gift cards for answering surveys, taking polls, watching videos, and many other online activities!

You’ll earn a $5 bonus when you complete your first five surveys.

Furthermore, MyPoints will pay you to shop online! Get paid to shop online! Just by signing up and making your first purchase of $20 or more, you will receive a $10 Free Amazon Gift Card. or an endless commute. With a MyPoints account you can earn free gift cards when you shop online at over 2,000 top retailers like Walmart, eBay, and Amazon. It is a great way to cash in on long lines.

Here’s how to get a FREE $10 Amazon gift card with MyPoints:

  1. Sign up for MyPoints (name and email address only).
  2. Confirm your email address. Make sure to click the link in the email to get your free gift card.
  3. Spend $20 worth from 1,900+ top retailers like Walmart, eBay, & Amazon.

You’re going to buy things anyway, you may as well buy it through MyPoints to save money and earn that free gift card!


MyPoints - Get Paid To Shop Online Price: FREE MyPoints pays you when you shop online at your favorite retailers and delivers the rewards through free gift cards. Get Your FREE $10 Now MyPoints - Get Paid To Shop Online


Save and Make Money Shopping Apps

Do you like to save money while shopping? These apps, literally do just that. Sort of like extreme digital couponing, but better.

4. Ibotta

Ibotta app is 100% free to use. Seriously, you do not have to pay for anything.

All you have to do is create a new Ibotta Account, Sign Up, and then you’ll get a FREE $10 Bonus when you redeem your first rebate in the first 15 days!

Seriously, this is legit. You gotta try the Ibotta App! Over time, I continuously accumulate cash back on everyday purchases. After a large grocery shop, boom! cash back. After a trip to the mall, cash back!. Even after shopping for some items on Amazon, boom, CASH BACK!

CASH BACK FOR EVERY TYPE OF SHOPPER, including products and services from online and in-store retailers. Read more in my Ibotta Review.


Ibotta Price: FREE Ibotta let's you get paid for shopping...It's that simple. Get started saving today. Get Your FREE $10 Now Ibotta

5. Rakuten

Rakuten is a cash back/coupon shopping site. If you shop online through Rakuten you can earn cash back on your purchases.

Seriously, it’s super easy to use, and you will see savings immediately.

Download the free money saving Rakuten app today and receive a $10 Signup Bonus that you can use on Amazon!

Rounding Up Money Making Apps

These sweet money making apps will help you save up money through purchase roundups, and then invest it into low cost index funds

6. Acorns

Acorns helped me hid and invest my money last year. What does that even mean, you say? Well, with Acorns, you can set up this best money making app to round up your purchases to the nearest dollar. They take this cash and invest it into ETFs. Honestly, it’s pretty sweet.

Say you bought a pint at the pub (no, I am not British) which cost you $6.90 (more like $10.90 if you live in an expensive city as I do). Once you download the Acorns App, it will automatically, round up to the nearest dollar and invest that 10 cents! This adds up over time.

With the Acorns app, you can build an investment portfolio one dime at a time.

This money making app is definitely a millennial investing strategy. You can set it and forget it, and build your investment portfolio without even knowing it.

You can also direct additional funds into the Acorns app for investment. Really its a tool to help you invest more money, and an investment platform.

Sign up today and try it risk-free! You will receive a $5 sign-up bonus by signing up with this link.


Acorns - Invest Your Spare Change Price: $1 Per Month With Acorns, you will be investing without even knowing it just by rounding up your purchases. Start Investing Today Acorns - Invest Your Spare Change

7. Stash

Stash makes investing simple. Similar to Acorns, Stash is a money saving and making app that will roundup your purchases and invest.

As far as investments go, Stash allows you to put your money where it matters. Invest in innovation, the environment, or anything that matters to you. Investing, simplified!

With Stash, you can invest in stocks and ETFs that are carefully selected to reduce the expense ratio. Take a look at this quick 30 second video to learn why this best money making app is right for you!

You can take control of your financial future.

Take Back Your Money Apps

Because having more money in your pocket is always a good thing!

8. Paribus

Paribus just secured 2 free months of Amazon prime for my mom. How is that possible you ask? Well, with the money-saving Paribus App, you can take back your money and refunded for things that you already bought!

Yes, you read that correctly. It is possible that a store owes you money!

If you purchased something online within the past year, and that item decreased in cost, the store might owe you a refund.

Online shopping continues to increase in 2019, especially if you live in an expansive city.

If you are someone who shops online frequently (I certainly am), then you might be looking at a quick refund! This is a great way to make an extra, $20, $30, or even to make $300 fast!

You gotta check out Paribus. Paribus is 100% free to use. And it does all the work!

How does it work? See for yourself in this quick video:

Paribus | Get Money Back When Price Drop, Effortlessly

9. Earny

Get money back automatically when prices drop on your purchases. Earny is similar to Paribus, but they operate with different algorithms, so it’s possible that Earny will find you further cash back. They will go into your mailbox and look for recent purchases for which you may be entitled to a refund.

Take back your money with Earny. It’s as easy as 1-2-3!

  1. Head over to Earny.co
  2. Log into your email.
  3. Earny will search our receipts, track any price drops on past purchases, claim the difference, and notify you of a refund.
Earny Testimonials

10. Trim

Trim is essentially an Artificial Intelligent assistant that automatically organizes your financial life. Ashton Kutcher was an early investor of Trim, which piqued my interest in the product.

Back in 2015, this money saving app was limited to the easy stuff. It would go into your emails and linked subscription accounts and identify if you are paying more than you should. The money-saving app would serve as a negotiator with the companies and get you a reduced rate for the subscription.

Now, Trim is becoming a money making app AI assistant that will help you reach retirement goals, help with credit card optimization selections, and identify the best insurance providers.

Trims users saved over $1,000,000 in the last month. Get your results in less than a minute.

Oh yeah, it’s free to set up and secured with bank-level security with 256-bit SSL encryption!

Trim your expenses and start making more money with this app!

Best Investment Apps

These best money making apps will help reach your financial goals

11. Betterment

Betterment is a robo-advisor that uses an algorithm to manage and re-balance an investors portfolio. I spent 1 year using Betterment. While I am not currently a Betterment user, I do recommend the platform for both people who are learning how to start investing and more experienced investors who are looking for an easy to use hands-off investing platform with an exceptional user experience.

As more Millennial investors are starting to look for where to start investing, the team at Betterment have done an exceptional job marketing their service Millennials. Anytime I am searching online about personal finance and investing it is hard not see Betterment ads across most websites.

A number of top financial bloggers also use the platform themselves, including Mr. Money Mustache who’s $100,000 investment into Betterment generated a spirited discussion in the comments on his website. Betterment is a solid choice for new investors who are looking to an easy to use platform and a simple way to start investing.

Betterment - Get up to 1 year Free No matter your investing acumen, Betterment offers a robust and easy to use platform to help you retire well. Learn More About Betterment Betterment - Get up to 1 year Free

12. Wealthfront

Wealthfront is one of the most well established automated investment service firms on the market. Their goal is to help your money grow with by reducing risk, taxes, and fees.  As of 2019, they manage over $10 billion in assets.

The great thing about Wealthfront is that they have extremely low fees. They can help you plan for retirement, invest your savings, plan for a home purchase, and plan for college.

Wealthfront has been managing my after-tax and IRA investments since 2016.

Wealthfront Wealthfront is one of the top rated robo-advisors and worth exploring if you want a hands off approach to managing your money. Learn More Wealthfront


13. Blooom


I started using Blooom to manage my employer sponsored 401k investment in early 2018. In less than a few minutes, Blooom analyzed my current 401k and identified risks and diversification issues.

For less than $10 per month (if you purchase a year subscription) Blooom now manages my investment mix.

Blooom estimates that I will make over $200,000 more by the time of retirement than with my current employer-sponsored target fund.

Blooom - Optimize Your 401(k) Blooom helps you optimize your 401(k), which is most people's largest retirement account. It works with almost any account no matter who you work for. Learn More Blooom - Optimize Your 401(k)

Real Estate Money Apps

Make money by renting out a spare room, but also through real estate investing!

14. AirBnb

If you do not have the AirBnb app, do yourself a travel favor and download it for free today.

Wherever I travel, I check the Airbnb app for the best place to stay. But, I also use the AirBnb app to make money. When I was living and working abroad, I rented out my house using Airbnb.

I was able to cover the mortgage easily. Furthermore, when I was living in the house, I would rent out rooms during peak college football season at a mighty premium.

You can make so much money by renting out rooms with Airbnb.


15. Fundrise

Fundrise is the crowdsourcing real estate investment platform that allows you to invest in real estate for on $500. If you are interested in investing in Fundrise, you can follow my link to invest with only $500 today!

They expect an 8-11% annual return. In 2017, my annual return was 9%. I believe in this product and only recommend things that I’ve personally tried.

A great alternative to entering into the real estate market. Fundrise allows you invest in real estate for only $500! This can be a solid return on investment and a great way to diversify your traditional stock and bond investment allocation.

Additionally, Fundrise is a great way to invest in the real estate market while you are saving up for a downpayment for your future home! I have been investing with Fundrise for over a year now.

Furthermore, I am an early iPO investor which means I own shares of the company. I believe in the Fundrise investment platform, so want to share it with you!

Is Everyone Searching For The Best Apps To Make Money?

Yes. In the age of online side hustling, everyone and their mother are trying to take advantage of smartphone to make extra money online.

I know this because I am a nerd and spend a lot of time analyzing Google Searches to help identify user needs.

The goal of this quantitative endeavor is to answer questions and come up with the best solutions for Millennial Money readers.

Check it out, these are the most searched phrases on Google related to “Best Money Making Apps in 2019”:

  1. What are some Money making apps?
  2. What were the Best Money Making Apps for 2017?
  3. Best Money Making Apps 2019?
  4. Best money making apps for android?
  5. List of apps to make money?
  6. Best apps to make money.
  7. Apps to earn money.
  8. Make money with apps.
  9. Apps that make YOU money.
  10. I want to make money on my smartphone

Over 200,000 people search these terms each month. Clearly, there is a need to learn how to make money using app on your iPhone or Android smartphone! While there are many pages online that try to answer this question, this post lists out the 15 top ways to make money with apps on your phone.

Grant Sabatier

Creator of Millennial Money and Author of Financial Freedom (Penguin Random House). Dubbed "The Millennial Millionaire" by CNBC, Grant went from $2.26 to over $1 million in 5 years, reaching financial independence at age 30. Grant has been featured in The New York Times, Wall Street Journal, BBC, NPR, Money Magazine and many others. He uses Personal Capital to manage his money in 10 minutes a month.

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