18 Best Money Making Apps for 2021

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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, or add to your investments.  If you are wondering how to make money today or the best money making apps available right now, 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 2021.

By the end of the post, you will be prepared with 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 to supplement income in the short term.

Luckily, 2021 has never been a better time to utilize apps and technology to make extra money fast. These legit apps are essential to your money-making journey.

Best Money Making Apps You Need in 2021

Here are the top 18 apps that can make you money:

  1. 🏆 Survey Junkie
  2. InboxDollars
  3. Acorns
  4. Paribus
  5. Public
  6. Swagbucks
  7. Capital One Shopping
  8. Mypoints
  9. Fundrise
  10. Postmates
  11. Truebill
  12. AirBnb
  13. Neighbor
  14. Ibotta
  15. DiversyFund
  16. Stash
  17. Blooom
  18. M1 Finance

1. Survey Junkie

Survey Junkie is one of the easiest money making apps to extra cash. You can make money while you are waiting for the bus, on your lunch break, or even when vegging on the couch.

Signing up for Survey Junkie is 100% free and takes less that 1 minute. Once signed up, you can start taking surveys on the go, from anywhere on your phone! Their mobile app is extremely intuitive.

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

Check out Millennial Money’s list of best survey sites.


  • Receive a sign-up bonus with this link
  • 100% free to join and participate. Survey Junkie will never ask you to pay money.
  • You earn points that can be paid out in cash via PayPal or 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.
  • All answers are completely anonymous!
  • Some surveys will pay up to $50 per survey, and many take less than 5 minutes to complete!
  • 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.

Learn More:

2. InboxDollars – $5 Signup Bonus

InboxDollars is a cash rewards app and website that pays its members in exchange for completing online tasks, playing games, filling out surveys, and more!

First-time users can earn a $5 Sign-up bonus after verifying their email address. InboxDollars doesn’t use a “points” based earning system like other money making apps. Instead, your earnings are shown in dollars, making it easy to know exactly how much real money you’re making.

The InboxDollars mobile app is also one of the easiest to use, with a very simple interface.


  • Free $5 sign-up bonus with this link
  • 100% free to join and make money right now
  • Offers cash out via PayPal or Amazon Gift Cards
  • Been in business for over 20+ years, so you know it’s legit!
  • Easy to use website and mobile app
  • Multiple activities available for making money (not just a survey app)


  • Minimum payout threshold of $30 must be met before cashing out earned money
  • Could take up to 2 weeks to claim money
  • Some of the “free surveys” require you to buy something, so they aren’t actually free.

Learn More:

3. Acorns

Acorns helped me hide and invest my money last year. What does that even mean, you say? Well, with Acorns, you can set up this free mobile 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 it’s a tool to help you invest more money and an investment platform.

Try it risk-free! Receive a $5 sign-up bonus by signing up below.



  • Flat fees are high for low balance accounts
  • Requires spending money to save money
  • Limited investment options

Learn More:

4. Paribus

If you purchased something online within the past year, and that item decreased in cost, the store might owe you a refund. With the money-saving Paribus App, you can take back your money and get refunded for things that you’ve already bought!

Yes, you read that correctly. It is possible that stores owe you money! Paribus just secured 2 free months of Amazon prime for my mom (compensation methods for late deliveries can vary).

Online shopping continues to increase, 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!

Refunds are typically processed very quickly, usually 3-7 business days. Retailers will issue the credit back to your original method of payment, like your credit card or debit card that you paid with.

You gotta check out Paribus. Paribus is 100% free to use and does the heavy lifting for you!


  • 100% free to sign up and claim refunds.
  • Safe, secure and legit! (Paribus is owned by Capital One)
  • Refunds happen quickly, typically 3-7 business days


  • Not every retailer participates
  • Must allow access to your email inbox

Learn More:

Paribus compensates us when you sign up for Paribus using the links provided.

Best Side Hustles for 2021

If you're looking for how to get started earning cash on top your 9-5, you're in luck! We just published our completed guide "The Best Side Hustles for 2021." It features our top 23 side hustles that can earn anything from a little extra spending money to thousands of dollars per month! Just enter your e-mail below and we'll send you the full guide!

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5. Public.com

Public’s iOS and Android app let you connect with other investors much like you connect with friends on social media. Interacting with more experienced traders can help you if you’re just starting out and not sure where to invest.

The platform has about 50 investing themes that bundle similar companies together. Maybe you want to invest in women-led businesses or environmentally conscious companies? Public has a theme for that, helping you invest with your heart along with your head with other app users.

One of its coolest features is the ability to invest in slices. Say you want to own a part of Apple or Amazon, but don’t have thousands of dollars. With slices, you can buy “fractional shares” to make things a little more affordable when you’re just starting out.

Public has a super-sleek interface and the free app is very user-friendly. There’s no minimum to get started, no trade fees, and the free app is available from Google Play or the Apple App Store.


  • Invest in small increments
  • no trade fees
  • Social interface, allowing you to connect with like minded investors
  • Fractional share investments
  • Offers a referral program


  • Not all companies are available for investment (no OTC stock)
  • Fees apply for money transfers, wires, and some statements or checks
  • Not ideal for day trading

Learn More:

6. Swagbucks

Swagbucks is known as a legit money app to take surveys for money and for giving your opinion online. They give access to tens of thousands of paid survey opportunities each day. They even offer plenty of ways to earn money while shopping online.

It’s really simple. Just press a few buttons in your free time and boom! Money!

Swagbucks is one of the best paying survey sites that will earn you money from your phone and pay via PayPal or gift cards.

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


  • Receive a $5 sign up bonus.
  • Free Mobile App, available on Android device or iPhone
  • In addition to surveys, you can participate in simple tasks such as watching videos.
  • Earn points that can be paid out in cash via PayPal account.
  • 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.
  • All answers are completely anonymous
  • Referral program allows for potential passive income


  • Sometimes your cash out can take a few days.
  • Low return on time investment

Learn More:

7. Capital One Shopping

Capital One Shopping (formerly Wikibuy) is a savings/coupon shopping app and browser extension that lets you compare prices among various online retailers, find better coupon codes and even find better deals among the multiple sellers within Amazon.

If you shop online through Capital One Shopping you can earn credits on your purchases that can be redeemed for gift cards. For example, you can get 1% back on purchases made at Dell.com, 2% from Walmart.com, 9% on purchases at JCPenney, or 4% from Groupon.

Saving money is making money.

Just start your purchase journey through the Capital One Shopping app and earn rewards. Average credits at many stores are 2.0% – 10% with some stores offering limited-time double rewards!


  • 100% free to sign up and use
  • Easy to add (or remove) browser extensions
  • Does in-store comparisons with free mobile app
  • Automatically adds promo codes at checkout
  • Price drop alerts on wishlist items


  • Tracks your online activity (although very secure)

Learn More:

Capital One Shopping compensates us when you sign up for Capital One Shopping using the links we provide.

8. MyPoints

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

MyPoints will also pay you to shop online! Earn free gift cards when you shop online at over 2,000 top retailers like Walmart, eBay, and 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!

$5 Sign-up Bonus: Complete five surveys.
$10 Task Bonus: Make your first purchase of $20 or more and receive a $10 Amazon Gift Card.


  • Legit and trustworthy company
  • 100% Free to sign up and use
  • Multiple redemption options like real money, or gift cards
  • Large network of participating partners and retailers


  • Surveys and video options (like with most survey sites) are probably not the best use of your time
  • Requires purchases to get cash back
  • Limited customer support options

Learn More:

9. Fundrise

Fundrise is a crowdsourcing real estate investment platform that allows you to invest in real estate for as little as $500.

They expect an 8-11% annual return on most investments. In 2017, my annual return was 9%. 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 4 years now. I believe in this product and only recommend things that I’ve personally tried.


  • Easy to use platform and mobile application
  • Reasonable fees
  • Invest with as little as $500 in a real estate project
  • Projects are well vetted and researched
  • Innovative business and monetization model


  • Investments are not liquid
  • Requires capital to begin investing
  • Some real estate knowledge is recommended

Learn More:

10. Postmates

If you live in a city, you will agree that people are spending less time in stores. The COVID-9 coronavirus pandemic has only exacerbated this. The delivery industry is on the rise, so take advantage and get paid!

Use your spare time (or even your lunch break) to side hustle for extra cash.

Can you really earn $18 – $25 an hour with delivery app jobs?

YES. By delivering for Postmates, I saved up enough money to buy an engagement ring! Seriously – you can easily make $500 this week by completing 50 deliveries.

Another service similar to PostMates, but centered around food delivery, is DoorDash. This service is really starting to take off, so lots of earning opportunities depending on where you live. Check out our full list of delivery app jobs here.


  • Available in most cities and states in the US
  • Extremely popular, and fast growing industry
  • Car not needed, you can complete jobs on foot or by bicycle
  • Get paid weekly, direct deposit to your bank account
  • Earning potential up at $50k per year! (if done full time)


  • Background a screening check required
  • Tipping culture is not great in some cities

Learn More:

11. Truebill

Have you ever signed up for a service — an online magazine or an obscure video streaming service, maybe — and then forgot you subscribed?

Well, that service’s billing department won’t be so forgetful. It’ll keep charging you, month after month. If it’s a small enough fee, you may not notice it for a few months.

Truebill would like to notice for you. Download the free Truebill app, connect your main checking account or any bank account, and let the app get to work.

The app will analyze your spending habits and identify recurring charges which you may want to eliminate. If you want to keep paying a bill, that’s fine. If you don’t, Truebill can cancel the subscription for you.

And there’s more to this app. Truebill can negotiate with service providers on your behalf to lower your monthly fees. The service can also monitor your utilities such as cable to report outages and seek refunds.

Truebill has a free version, but here’s the catch: Truebill will keep 40 percent of what it saves you. If the service saves you $500 a year, it’ll claim $200 of those savings.

Still, in this scenario, you’d be saving $300 a year without doing the work.

To get the most out of Truebill you’d have to subscribe. (Ironic, right?) It’s about $5 a month (or $36 paid upfront for a year).


  • Free version available
  • Will catch old subscriptions and forgotten service charged
  • Offers trends, insights and price reductions.


  • Keeps a large % of your savings (free version)
  • Must allow access to bank account and transaction history (although very secure)

Learn More:

12. Airbnb

Wherever I travel, I check the Airbnb app for the best places to stay.

I also use the Airbnb app to make money. When I was living and working abroad, I rented out my house using Airbnb. It’s crazy to think that your house can be earning money while you travel!

I was able to cover my mortgage payments very 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. Earning money will be pretty easy if you live in a desirable travel city, or near a popular vacation destination.


  • Make money renting unused space, rooms, or while traveling
  • Set your own rates, manage your own schedule
  • Quick to set up, easy to manage via the free mobile app
  • Trustworthy company with rating systems, well-vetted applicants, and security deposits.


  • Heavily regulated in some locations
  • Highly competitive industry in some locations
  • Risks involved with theft, damage and ware to your home

Learn More:

13. Neighbor

Neighbor is like the Airbnb of storage. Instead of renting your home or room out to strangers, you can convert unused space into storage income.

It’s easy to turn your basement, garage, spare office room, even closet, into passive income or a great side hustle earning up to several hundred dollars a month. In New York City, they estimate a spare basement rental to generate almost $10,000 per year!

What’s even better is both the renter and host are protected from mishaps. Neighbor’s Host Guarantee protects you up to $1,000,000 for personal liability and renters are eligible for up to $25,000 in case items are damaged during storage.

List your space on Neighbor today!


  • Make money from your unused space!
  • Free to list your storage space
  • You set the rates, access times and availability schedule
  • Insurance options provided by Neighbor


  • Demand varies greatly by location
  • Storage can be inconvenient, or an eyesore in your neighborhood for large items.

14. Ibotta

Ibotta app is 100% free to use.

After a large grocery shop, boom! Instant 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 online and in-store retailers.

Seriously, this Ibotta app is legit. You gotta try the Ibotta App, I continuously accumulate cash back on everyday purchases. There is really no downside.

Receive a FREE $20 Bonus when you redeem 10 offers in the first 2 weeks!


  • 100% Free to sign up and use
  • HUGE network of participating retailers
  • Easy way of earning money while making everyday purchases
  • Available in Play Store for an Android Phone, or App Store for iPhone


  • App tracks your location while inside stores
  • Limited customer support for disputes or issues

Learn More:

15. DiversyFund

DiversyFund is another crowdsourcing real estate investment platform that allows you to invest in real estate for only $500.

They expect an 11-18% annual return. This can be a solid return on investment and a great way to diversify your traditional stock and bond investment allocation.

Additionally, DiversyFund is a great way to invest in the real estate market while you are saving up for a downpayment for your future home! They have a free mobile app, but it’s newly released and still has features being made by the app developer. Sign up now to begin using the online platform.

Learn More:

16. Stash

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

Stash allows you to invest your money where it matters to you. Invest in innovation, the environment, or anything else you choose. Investing, simplified!

With Stash, you can invest automatically in stocks and ETFs that are carefully selected to reduce the expense ratio.


  • Exceptional mobile app and experience
  • Very competitive fees
  • Excellent security
  • A TON of education services available
  • Fractional shares, and low cost to start


  • No Free version available
  • Regular bank account interest is low for uninvested funds

Learn More:

17. Blooom

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

For less than $10 per month (if you purchase a year subscription) Blooom can manage your 401k investments. I’ve tested a few 401k analyzer products and Blooom is by far the best if you’re looking for inefficiencies in your 401k.


  • Automated account management
  • Advanced security (with text alerts for fraudulent or suspicious activity)
  • Referral program available for earning additional money
  • Transparent ad flat fee structure


  • Limited account support (no phone – mostly chat and email support)
  • Minimum effort investing could potentially yield minimal results; if you have the time, I encourage you to take responsibility for retirement investing and manage it yourself

Learn More:

18. M1 Finance

M1 Finance is a Robo-advisor that uses an algorithm to manage and re-balance an investor’s portfolio. I spent 1-year using Betterment.

While I am not currently a M1 Finance 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 exceptional user experience.

As more Millennial investors are starting to look for where to start investing, the team at M1 Finance has done an exceptional job marketing their service Millennials. Anytime I am searching online about personal finance and investing it is hard not to see M1 Finance ads across most websites.

M1 Finance is a solid choice for new investors who are looking for an easy-to-use platform and a simple way to start investing.


  • Free trades and no Assets Under Management Fees
  • Invest, borrow, or trade money all in one place
  • Very intuitive mobile app, and web platform suited for savvy investors


  • Limited customer support
  • No human advisory services – robo only
  • Limited trade windows

Learn More:

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 the 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”:

  1. What are some Money making apps?
  2. What were the Best Money Making Apps for 2017?
  3. Best Money Making Apps 2020?
  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 an app on your iPhone or Android smartphone! While there are many pages online that try to answer this question, this post lists out the 16 top ways to make money with apps on your phone.

Read Comments

  • Comment Author image blank Holly Hanger says:

    Thank you so much for you info on money making apps. It truly helps millons of people🌟🌟

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