21 Best Money Making Apps for 2022 [Increase Income FAST]

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the millennial money woman blog post "best money making apps"

Today I’m going to show you the 21 best money making apps for 2022.

In fact, these apps that make you money have helped me add $1,000s to my bank account.

So, if you want to:

  • Earn cash back rewards
  • Make more money
  • Save more money

…Then you’ll LOVE this blog post.

In this article

All you need to start making money is:

  • Your wifi
  • Your brain
  • Your phone
  • Your computer

The money making apps I’ve described below are my favorites – and I’ve used all of these at one point in my life before, so I know what I’m talking about.

Let’s get started!

Best Money Making Apps

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Axos Bank

I’m thinking outside of the box here. 

Axos Bank is a high-yield savings account that offers competitive market rates, FDIC insurance, and 24/7 access to your cash. 

Here’s what you’ll need:

  • $250 to open an account

And here’s why Axos Bank is pretty awesome:

  • No monthly fees
  • Competitive high-interest rates
  • No minimum balance requirement

Here’s a word to the wise: The Axos Bank checking account typically yields a higher interest rate than the Axos Bank CD (so if you’re going to open an account with Axos, open the checking account). 

And think about it – if you have $500 with a rate of return (from your high interest savings account) of 0.50%, you could earn $2.50 without even moving a finger on your $500. 

That’s how you use money to make money.


If you want to earn money while:

  • In bed
  • Watching TV
  • In your pajamas

…Then ySense is the money making app for you. 

Yes, it’s a legit app that helps you make small amounts of money online. 

And by small, I mean anywhere typically around $0.75 per project. 

You earn money by:

  • Micro tasks
  • Online surveys
  • Completing offers

One slight hiccup I’ve found is that qualifying to take surveys may be a little more difficult, for example. 

That’s because ySense is looking for a certain demographic to complete their specific surveys.

But think about it, let’s say you consistently earn $2 a day, spending 30 minutes to 1 hour on ySense. 

You could earn:

  • $2 per day
  • $14 per week
  • $56 per month
  • $672 per year

So, if you’re strapped for a little bit of cash – don’t make any more excuses. 

ySense is an opportunity for you to earn money today.


Even if you steered clear of all things related to finance, you’ve probably heard about cryptocurrency.

If you’re familiar with the term cryptocurrency, then you’re probably familiar with the following types of cryptocurrencies:

  • Bitcoin
  • Dogecoin
  • Ethereum

Coinbase is a cryptocurrency exchange platform – which in plain English means you can buy and sell cryptocurrencies via Coinbase. 

Coinbase, in fact, claims to insure your cryptocurrency (any type of cryptocurrency) against hackers, since it only stores 2% of its customers’ cryptocurrencies online, while the rest is stored offline – which is virtually impossible for hackers to gain access to.

I signed up to Coinbase and it took me about 15 minutes to complete the sign-up process.

The fact that Coinbase is insured is a reason why I’m a pretty big fan of the platform.

Recommended Reading: Coinbase Review


Why is BlockFi so good? 

BlockFi is similar to a high-yield savings account – just for cryptocurrency. 

And, instead of providing only a 0.50% or 0.60% as with regular high yield savings accounts, BlockFi offers you up to 8.6% of interest!

Regular High Yield Savings Account BlockFi High Yield Cryptocurrency Savings Account
Typical Interest Rate
Up to 8.6%

That’s a big difference… and that means you can earn A LOT more cash with BlockFi. 

BlockFi also offers:

  • $0 monthly fees
  • $0 minimum deposit
  • Promotions of up to $250

You can earn interest on many different types of cryptocurrency with BlockFi – not just Bitcoin. 

BlockFi is another easy way for you to earn [significant] money – passively – without moving a finger.

Recommended Reading: BlockFi Review

M1 Finance

If you want your money to make you money in your sleep, then I’d suggest to consider investing with M1 Finance.

M1 Finance is a fantastic investment app that gives you the chance to:

  • Invest at no cost 
  • Automate your investments
  • Customize your investments

Depending on your risk tolerance, M1 Finance gives you the chance to customize your allocation. 

  • If you’re a risky investor, you’ll be investing a large portion in stocks
  • If you’re a non-risky, or conservative, investor, you’ll be investing a large portion in bonds

When should you consider M1 Finance?

  • If you’re a moderate to experienced investor
  • If you want a low-cost investment platform
  • If you want to customize your investments
  • If you want to automate your investments

M1 Finance, for me, is my favorite investment app mainly because I hate paying fees – and M1 finance has a $0 fee policy.

Keep in mind that with M1 Finance, you will not receive investment advice and that you will need a minimum of $100 to open an account.

Inbox Dollars

Imagine the following scenario:

  • You’re in bed
  • It’s a weekend
  • It’s early morning 
  • It’s raining outside
  • The weather is on the cooler side

The last thing you want to do is jump out of bed and face the day head-on. 

Now, if you’re in it to win it, then you’re probably always on the look-out to earn more money. 

If you want to earn money while:

  • In bed
  • In your pajamas

Then Inbox Dollars may be the right money making app for you. 

You earn money (it’s not much, typically between $0.25 to $1 per task) for:

  • Playing games
  • Reading emails
  • Online shopping 
  • Watching videos
  • Taking paid online surveys 

Inbox Dollars has already paid out $59 million in cash rewards to users… so what’s holding you up from joining the money making fun and boosting your cash flow? 

Imagine what you could do with the extra cash:

…Or use your extra cash for some “fun money.”

Now keep in mind that chances are you won’t be earning the “big bucks” if you sign up for Inbox Dollars – meaning you likely won’t be earning $100 per day with the app – but you could earn around $1 to $5 per day, which can compound over time.


I have the perfect app for you if you are:

  • Starting your investing journey
  • Ready to save wherever possible
  • Don’t have $1,000s or $100s to invest – yet
  • Aren’t familiar in what you should invest

And that app is called… you guessed it… Acorns.

Acorns is an investment app that makes it super easy for you to save – and invest – money from your purchases. 

Here’s how Acorns helps you build your wealth:

  • It helps you invest
  • It tracks your expenses 
  • It rounds up your expenses to the nearest $1
  • After Acorns calculated $5 of rounded-up expenses, it automatically pulls in the $5 and invests that amount

You don’t have to do anything. Acorns does it all – from tracking to investing. 

Here are some pros:

  • User friendly 
  • $0 account minimum
  • Spare change is automatically invested

Here are some cons:

  • Small number of investment options
  • Account fees, starting at $1 per month

You should really consider using Acorns if you’re the type of person who has a lot of trouble saving and investing money. That’s because Acorns does it automatically for you.

Best Cashback Apps

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Ibotta is my favorite cashback app that helps you save and earn money potentially wherever and whenever you shop for everyday items. 

Ibotta has more than 1,500 partner brands, and you can earn and save money on many categories, such as:

  • Clothing
  • Groceries
  • Pet products
  • Entertainment

With Ibotta, you can earn your cash back through either of the following 3 steps:

  • Submit your receipt to the app after shopping
  • Link a partner company loyalty account
  • Buy a partner company gift card

You may have to wait up to 90 days to see your cashback rewards from Ibotta, but if you’re using this app consistently, you’ll see your cash flow increase in no time.


MyPoints is another excellent cashback rewards app, where you can earn money in your pajamas, while watching your favorite TV series (or in my case, while watching the Super Bowl!).

Below are some ways you can make money with this cashback app:

  • Taking surveys
  • Watching videos
  • Playing video games

Typically speaking, you can redeem your MyPoints cash when you have earned 700 points – which is equal to about $5. 


Dosh is another free-to-download cashback app, where you can save…wait for it… nearly 40% on your big-ticket travel purchases and potentially other, general purchases! 

When I first heard that statistic, I was hooked.

You should download Dosh if you want to make and save money when you’re:

  • Shopping
  • Travelling
  • Eating out

All you do with Dosh is link your debit or credit card and Dosh tracks the rest. 

Literally – Dosh is automatic and you don’t have to do anything else… which is why I love Dosh.

You can get your cashback through PayPal, Venmo or directly sent to your bank account. (Or even to charity).


Slide is another one of my favorite cashback apps that gives users the chance to earn up to a 4% cashback with everyday purchases.

Here’s how you start earning money with Slide:

  • Connect your credit card
  • Spend money
  • Earn 4%

Similar to Dosh, you can earn your cashback with Slide when you:

  • Go shopping
  • Go traveling
  • Go eating out

You can earn your cashback rewards either by sending your earned money to your PayPal or to your Venmo accounts – or by using your earned money for your next payment with Slide.

Money Saving Apps

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COVID has changed our shopping behavior – and it certainly has changed mine. 

Now, I shop online for just about anything:

  • Clothing
  • Groceries
  • Restaurants
  • …Even auto parts

Now, being your savvy shopper, I typically asked the cashier to see if the stores had any promos or secret discounts running that day, but since I’ve transitioned to an online shopping world, things have changed… for the better.

Now you can use Honey to save money while you do your everyday online purchases. 

Honey is an app that:

  • Is  downloaded onto your desktop
  • Works with Google Chrome
  • Is used while you shop

As you browse online, Honey indicates when items or services have:

  • Deals
  • Promos
  • Coupons
  • Discounts

Both my mom and I use Honey and we love the app. 

It’s easy to download and from there, we just continue to shop with the added benefit of saving money.


Have you ever heard of the phrase “cut the cord?”

Cutting the cord refers to getting rid of cable TV because of the ridiculous expenses associated with cable TV (my parents paid north of $150 PER MONTH).

That’s about $1,800 per year on cable TV… when we only watch like 2 channels anyway.

Talk about a waste of money.

Enter Philo, an American internet TV company that offers:

  • 63 top channels
  • Charges $20 per month
  • Unlimited DVR recording

Philo is such an easy way to save (and hopefully invest) money ASAP.

Personal Capital

Personal Capital offers a fantastic money saving app through their free budgeting app.

If you want to know how you can:

  • Track monthly expenses
  • Maintain oversight of your monthly income
  • Develop a cost-cutting strategy to save money

Then I’d suggest to check out Personal Capital’s free budget app.

I’ve downloaded it and appreciate how user-friendly it is and how you can maintain oversight of your expenses. 

Now, the cost-cutting and money saving part is up to you, though. The app is just that – an app. 

It doesn’t actually help you save money. That’s on you. 

Related Reading: How to Create a Budget


Let’s say you just downloaded Personal Capital’s Free Budget Tracker and had the chance to review your expenses. 

Believe it or not, the major one-time purchases typically don’t sink the ship.

"It’s the smaller, but recurring expenses that tend to sink the financial ship."

And when my husband and I combed through our budget to weed out those small, seemingly insignificant expenses, we found quite a few that we immediately slashed.

For example, every month, we spent $9 for a mobile app… which is equal to:

  • $108 per year
  • $1,080 every 10 years

We could have been saving and investing that money for our future, instead. 

Enter Truebill, which takes over those recurring monthly bills and aims to slash those costs by a large percentage. 

Truebill aims to cut the cost of your:

  • Internet bills
  • Service bills
  • Wifi bills
  • TV bills

Truebill can help you save big on bills and the only time you pay is when Truebill successfully reduces your bill for you. 

You pay 40% of any savings they can negotiate on your behalf. 

Otherwise, you don’t pay a cent.