Top 10 Money Earning App Without Investment in 2025

In the digital era earning money has become a piece of cake. In the digitalized world money can be earned without any investment through the click of a button. Yes, you read it right! You no longer have to hustle more to earn income and extra money. Whether you are seeking for side hustle or looking for ways to leverage your skills to earn money numerous ways and apps allow you to earn money without having to invest. Right from online videos, freelancing gigs, surveys, and cashable games to affiliate marketing some ways and apps offer legal ways to generate income right from the comfort of your home. If you’re looking for some of the best options, check out the Top 10 Money earning apps without investment.

What are real money-earning apps?

Ever imagined how wonderful it would be if you could transform your smartphone into a money-minting machine without any investment? Sounds interesting, right? Well, that is what real money earning apps do. They allow you to just make money through your smartphones. No matter whether you are riding a bus in class, or in between work breaks all you need is this app to boost your monthly income. These apps while entertaining allow you to earn side by income. Yes, you read it right! The real money-earning apps reward you with cash, gift cards, and redeemable points for completing simple tasks such as taking surveys, rating apps, or playing in-app games. The best part of these apps is that one needs no upfront investment to start earning all that you need is a smartphone and a strong internet connection. Another advantage of the app is that the earnings can be withdrawn through Paytm, UPI, or a bank account.

In this blog, we have brought you a customized list of the top 10 money earning apps that require zero investment and enable you to earn money immediately. No matter whether you are a student, housewife, or someone looking for side income these reliable apps offer simple yet dynamic ways to earn more money. Let’s dive in!

Top 10 Money Earning App Without Investment

1. Upwork

Upwork is a reowned app offering freelancing gigs to freelancers. The portal connects freelancers with relevant clients looking for their skills and services across various domains such as content writing, graphic designing, and website development. Anyone can easily create their profile on the portal, upload their past work, and bid on projects of their desire. Once their bid is selected they can complete the task and get paid for the work. One can easily earn between $10-$100 per hour using their skills on upwork.

How to Earn on Upwork:

1. Create a Profile: Sign up and showcase your skills, experience, and past work.​
2. Find Projects: Browse job listings that match your expertise and submit proposals to potential clients.​
3. Set Your Rates: You can choose how much to charge per hour or per project.​
4. Complete Work and Get Paid: Once hired, finish the task, submit it, and receive payment through Upwork’s secure system.

Pros:

• Variety of Jobs: Upwork offers a wide range of projects in different fields.​
• Flexible Schedule: You can work at times that suit you.​
• Global Clients: Access to clients from all over the world.

Cons:

• High Competition: Many freelancers compete for the same jobs, making it challenging to secure projects.​ Reddit
• Service Fees: Upwork charges a fee on your earnings, which can be between 5% to 20%, depending on your total billings with a client. ​NerdWallet
• Inconsistent Work: There might be times when finding new projects is difficult.

User Experiences:

• Positive Feedback: Many users appreciate Upwork’s user-friendly interface and organizational features. One freelancer noted, “I love how easy the website and app are to use. It’s very well organized and user friendly.” ​G2
• Challenges: Some freelancers express concerns about the competitive nature of the platform and the service fees. A user mentioned, “Clients can be a hit or a miss, and Upwork takes too much of a fee, but this is a good place to get started with freelancing and build a portfolio.” ​Job Search | Indeed

Trusted Platform Reviews:

• G2: Upwork has received positive reviews for its ease of use and functionality. Users have praised its well-organized interface and user-friendly experience. ​G2
• TrustRadius: The platform is noted for being beneficial for freelancers working on digital projects, particularly due to features like time tracking. However, it may not be as suitable for physical work engagements. ​TrustRadius
• Better Business Bureau (BBB): Some users have reported issues with payment protection and customer support. A reviewer stated, “Upwork is a SCAM now. They use freelancers as a source of revenue rather than support them. They have no systems in place to prevent freelancers getting scammed and do not honor their hourly protection.” ​Better Business Bureau

2. RozDhan

RozDhan is an app that offers multiple earning options while also entertaining. Users can earn money on RozDhan through daily check-ins, playing in-app games, completing tasks such as taking surveys, rating other apps, and referring to friends. Users can earn from Rs10-500 per week on the app and can withdraw the earnings by linking their Paytm account to it.

Pros:

• Multiple Earning Opportunities: Users can accumulate rewards through diverse activities, including daily check-ins, reading articles, playing games, and participating in surveys.​
• User-Friendly Interface: The app is designed with an intuitive interface, making it easy for users to navigate and engage with the available tasks.​
• Referral Program: RozDhan offers incentives for users who refer friends to the platform, providing additional earning opportunities.​

Cons:

• Low Earning Potential: The rewards for individual tasks are relatively modest, requiring significant time and effort to accumulate substantial earnings.​
• High Withdrawal Threshold: Users must reach a minimum balance before they can withdraw their earnings, which some may find challenging to achieve.​
• Technical Issues: Some users have reported experiencing glitches and performance issues within the app.​

Trusted Platform Reviews and Ratings:

• Google Play Store: RozDhan has received mixed reviews from users, with some praising its earning potential and others expressing dissatisfaction with the app’s performance and reward system.​
• MouthShut.com: The app has garnered a low rating, with users citing concerns about its legitimacy and the effectiveness of its earning mechanisms.

User Feedback:

• Positive Experiences: Some users appreciate the variety of tasks available and find the app to be a legitimate way to earn small amounts of money during their free time.​
• Negative Experiences: Numerous users have expressed frustration over the low earnings, high withdrawal limits, and technical issues. Some have questioned the app’s credibility, labeling it as a potential scam.

3. MPL

MPL is a well-known online gaming platform where users can play games and earn rewards. The app users can play fantasy sports such as cricket, solve puzzles, and have fun with arcade games to earn real-time cash. Users can earn from Rs500-5000 per month and withdraw their earnings through Paytm or a bank account.

Pros:

• Diverse Game Selection: MPL provides a range of games across multiple categories, catering to different user preferences.​
• User-Friendly Interface: The platform is designed to be intuitive, making it easy for users to navigate and engage with various games.​
• Cash Competitions: Players have the opportunity to participate in cash tournaments, potentially earning real money rewards.​

Cons:

• Regional Restrictions: Cash games are not available in certain U.S. states, limiting access for some users. ​Apple
• Inconsistent Payouts: Some users have reported issues with payouts and account suspensions without clear explanations. ​
• Potential for Financial Loss: As with any platform involving real money, there’s a risk of losing the funds you invest in cash competitions.​

Trusted Platform Reviews and Ratings:

• App Store: MPL has received an average rating of 4.5 out of 5 stars from over 23,000 users, indicating a generally positive reception among iOS users. ​FinanceBuzz
• MouthShut.com: The platform has mixed reviews, with some users expressing dissatisfaction regarding game fairness and payout processes. ​Reddit

User Feedback:

• Positive Experiences: Some users have reported successfully earning money through the platform and appreciate the variety of games available. ​
• Negative Experiences: Other users have raised concerns about the platform’s legitimacy, citing issues such as unexplained account bans and inconsistent payouts. ​FinanceBuzz

4. CashKaro

CashKaro is a money-earning app that gives users cashback and lucrative rewards for shopping on sites like Amazon, Flipkart, and Myntra and making payments through their platforms. The cashback earned can be transferred directly to a user’s bank account. Users can earn from Rs2000-Rs50,000 per month. Additionally, the app also gives cashback for referrals.

Pros:

• Wide Range of Retailers: CashKaro partners with over 1,500 brands, offering users a broad spectrum of shopping options. ​Apple
• Real Cash Rewards: Unlike some platforms that offer points or vouchers, CashKaro provides actual cash that can be transferred to a bank account or redeemed as gift cards.
• User-Friendly Interface: The platform is designed to be intuitive, making it easy for users to navigate and find deals. ​

Cons:

• Cashback Tracking Issues: Some users have reported inconsistencies in cashback tracking, leading to uncredited rewards.
• Delayed Payouts: There are instances where users experience delays in receiving their cashback, which can undermine trust in the platform. ​MouthShut
• Customer Service Concerns: Some users have expressed dissatisfaction with the responsiveness and effectiveness of CashKaro’s customer support. ​

Trusted Platform Reviews and Ratings:

• Google Play Store: CashKaro has a significant number of downloads, indicating a large user base. ​Google Play
• MouthShut.com: The platform has received mixed reviews, with an overall low rating based on user feedback highlighting issues with cashback tracking and customer service. ​
• PissedConsumer.com: CashKaro holds a low rating, with users expressing dissatisfaction regarding cashback tracking and customer support. ​

User Feedback:

• Positive Experiences: Many users appreciate the additional savings and have successfully received cashback on their purchases. Testimonials on CashKaro’s website highlight user satisfaction with the platform’s offers and services. ​CashKaro
• Negative Experiences: Conversely, some users have reported issues such as untracked cashback, delayed payments, and unresponsive customer service, leading to frustration and mistrust. Discussions on platforms like Reddit and MouthShut.com reflect these concerns. ​MouthShut

5. EarnKaro

Earnkaro is an app that allows one to earn money by sharing product links from e-commerce platforms to attain a commission. Whenever anyone makes a purchase using the shared link the user earns a commission.  This app allows users to earn from Rs2000- Rs5000 per month.

Pros:

• Wide Range of Affiliate Programs: EarnKaro offers access to numerous affiliate programs across diverse categories, providing ample opportunities for users to earn commissions.
• User-Friendly Interface: The platform is designed to be intuitive, making it accessible for both beginners and experienced affiliate marketers. ​
• Low Withdrawal Threshold: Users can request payouts once they have accumulated a minimum of ₹10 in confirmed earnings, which is relatively low compared to other platforms.

Cons:

• Tracking Issues: Some users have reported challenges with tracking transactions, leading to uncredited commissions.
• Customer Support Concerns: There have been instances where users faced delays or difficulties in receiving assistance from the support team. ​Android Apps
• Limited Payment Options: The platform primarily supports bank transfers for payouts, which may not be convenient for all users.

Trusted Platform Reviews and Ratings:

• Affpaying.com: EarnKaro has received positive feedback on this affiliate network review site, with users praising its reliability, diverse offers, and supportive customer service. ​Affpaying
• Scamadviser.com: The platform is deemed legitimate and reliable, with a high trust score based on factors like domain age, SSL certification, and user reviews. ​ScamAdviser
• Google Play Store: The EarnKaro app has a significant number of downloads, indicating a large user base. ​Google Play

User Feedback:

• Positive Experiences: Many users appreciate the platform’s ease of use and the potential to earn passive income by sharing deals within their networks. Testimonials on EarnKaro’s website highlight users earning substantial amounts through regular use.
• Negative Experiences: Some users have expressed frustration over issues like untracked transactions and delays in receiving commissions. Discussions on platforms like Reddit reflect these concerns.

6. Swagbucks

Swagbucks is an application that rewards users for accomplishing tasks such as watching ads, completing surveys, shopping online, or even playing in-app games. Swagbucks for every task completed offers Swagbucks points which can be easily converted into PayPal cash or gift cards. The users can earn from $50-$200 per month on the app.

Pros:

• Multiple Earning Opportunities: Users can earn SB through diverse activities, providing flexibility in how they accumulate rewards.​
• Wide Range of Rewards: Swagbucks offers various redemption options, including gift cards from major retailers and PayPal cash. ​SiteJabber
• User-Friendly Interface: The platform is designed to be intuitive, making it accessible for users with varying levels of technical proficiency.​

Cons:

• Low Earning Potential: The average earnings per hour are relatively modest. ​Reddit
• Survey Disqualifications: Users may invest time in surveys only to be disqualified partway through, resulting in no earnings for that time spent.​ Apple
• Customer Support Concerns: Some users have reported issues with customer service responsiveness, particularly regarding account suspensions and uncredited earnings.​

Trusted Platform Reviews and Ratings:

• Trustpilot: Swagbucks has an overall rating of 4.3 out of 5 stars, based on over 25,000 reviews, indicating a generally positive reception among users.
• Sitejabber: The platform holds a rating of 2.7 out of 5 stars from 9,045 reviews, suggesting mixed user experiences. ​SiteJabber
• Google Play Store: The Swagbucks app has a rating of 4.2 out of 5 stars, based on user reviews, reflecting a favorable view among Android users.

User Feedback:

• Positive Experiences: Many users appreciate the variety of tasks available and the potential to earn rewards during their spare time.​
• Negative Experiences: Some users express frustration over low earnings, survey disqualifications, and occasional technical issues within the app.

7. Fiverr

Fiverr is another well-known freelancing platform offering freelance projects. Freelancers can offer their services of content writing, graphic designing, UI, UX designing, logo designing, animation, website development, coding, and many more on the app and get connected with clients looking for these services.  The users need to create their profile on the app, portray their work, set rates for every gig work, and contact clients to start earning. Users can earn from $10-$100 per gig.

Pros:

• Diverse Service Offerings: Fiverr hosts a vast array of services, allowing clients to find freelancers for almost any project.​
• Flexible Pricing: Sellers can set their own prices, and buyers can choose gigs that fit their budgets, providing flexibility for both parties.​
• User-Friendly Interface: The platform is designed to be intuitive, making it easy for users to navigate, search for services, and communicate with each other.​

Cons:

• Variable Service Quality: Due to the open marketplace nature of Fiverr, the quality of services can vary significantly between sellers.​
• High Competition for Sellers: New freelancers may find it challenging to stand out and secure orders due to the high number of sellers offering similar services.​
• Service Fees: Fiverr charges a service fee on transactions, which some users feel is relatively high compared to other platforms.​

User Experiences:

• Positive Feedback: Many users have reported successful collaborations and appreciate the platform’s ease of use. For instance, a Reddit user mentioned having great success by thoroughly reviewing seller profiles and communicating clearly before placing orders.​
• Negative Feedback: Conversely, some users have encountered issues such as subpar service quality and difficulties in resolving disputes. A review on Reviews.io highlighted frustration with unhelpful automated responses and lack of accountability for freelancers who fail to deliver.​

Trusted Platform Reviews and Ratings:

• Trustpilot: Fiverr has an average rating based on user reviews, indicating mixed experiences among users.​
• Sitejabber: The platform holds a moderate rating, reflecting a balance of positive and negative user feedback.

8. Google Opinion Rewards

Google Opinion Rewards allows users to earn a side income by completing short surveys on a wide range of topics. Be it a student or a homemaker anyone can survey to earn money. For every survey completed google gifts rewards which can be redeemed through Google Play credits and Paypal cash. Users can earn from $1-$5 per survey.

Pros:

• User-Friendly Interface: The app features a straightforward design, making it easy for users to navigate and complete surveys.​
• Quick Surveys: Surveys are typically short, often taking less than 20 seconds to complete, allowing users to earn rewards with minimal time investment. ​Apple
• Legitimate and Secure: Developed by Google, the app is trustworthy, ensuring user data is handled securely.​

Cons:

• Inconsistent Survey Availability: The frequency of surveys varies among users, leading to irregular earning opportunities. ​Apple
• Modest Earnings: Compensation per survey ranges from $0.10 to $1.00, which may not be substantial for some users. ​Wikipedia
• Credit Expiration: Earned credits expire one year from the date of issuance, requiring users to redeem them within this timeframe. ​SurveyPolice

User Experiences:

• Positive Feedback: Many users appreciate the app’s ease of use and the opportunity to earn rewards for minimal effort. For instance, a Reddit user mentioned earning over $500, which they used to offset subscription costs. ​Reddit
• Negative Feedback: Some users express frustration over the sporadic nature of survey availability and the relatively low compensation per survey. ​Apple

Trusted Platform Reviews and Ratings:

• Google Play Store: The app has over 100 million downloads, indicating a large user base. ​
• App Store: The app is available for iOS users, offering similar functionality with PayPal as the payment method.

ShareChat

Do you love creating memes, or making short videos then consider using ShareChat. The app not only allows users to share posts, memes, and videos but also earn money by sharing content. The earnings are made from paid partnerships, through affiliate links and brand campaigns.  ShareChat offers better visibility of content across various Indian languages. The users can earn from Rs 10-5000 per month.

Pros:

• Regional Language Support: ShareChat supports multiple Indian languages, allowing users to interact and consume content in their preferred language.​
• Diverse Content: The platform offers a wide array of content, including videos, memes, and status updates, catering to varied interests.
• Community Engagement: Users can participate in chatrooms and connect with others sharing similar interests, fostering a sense of community.​Apple

Cons:

• Content Moderation Issues: Some users have reported encountering inappropriate or offensive content, indicating challenges in content moderation.​
• App Performance: There are occasional reports of app crashes and slow performance, affecting user experience.​
• Privacy Concerns: Some users have expressed concerns regarding data privacy and security on the platform.​

User Experiences:

• Positive Feedback: Many users appreciate the platform’s focus on regional languages and the variety of content available. For instance, a user on MouthShut.com stated, “It is the best app for status and entertainment; I also use this app for videos.” ​Apple
• Negative Feedback: Conversely, some users have raised issues related to account security and customer support responsiveness. A reviewer on PissedConsumer.com mentioned, “My ShareChat account is hacked; please help me, sir.” ​PissedConsumer

Trusted Platform Reviews and Ratings:

• Google Play Store: ShareChat has over 100 million downloads, reflecting its widespread popularity. ​
• Apple App Store: The app holds a rating of 4.3 out of 5 stars, based on over 143,000 reviews, indicating a generally positive reception among iOS users. ​Apple
• Glassdoor: From an employee perspective, ShareChat has a rating of 3.5 out of 5 stars, based on 678 reviews, suggesting a moderately positive work environment. ​Glassdoor

Loco

Loco is a well-known app known for offering fun games for users. The users can play games and earn real cash. The users can live stream, and earn through ad revenue. Content creators can live stream games on the app to earn money. Loco has introduced a new payment system where creators can get Rs 4 per hour for their first 10,000 watch hours and later it drops to Rs 2 per watch hour. The users can earn up to Rs 20,000 on Loco.

Pros:

• Localized Content: Loco caters specifically to the Indian gaming community, offering content that resonates with local audiences.​
• Interactive Features: The platform allows real-time interaction between streamers and viewers through live chat, enhancing user engagement.
• Support for Emerging Streamers: Loco provides opportunities for new and aspiring gamers to showcase their skills and build a following.​

Cons:

• Limited Global Reach: While focusing on the Indian market, Loco may have limited content diversity compared to global platforms.​
• Technical Issues: Some users have reported occasional app crashes and performance issues, which can affect the viewing experience.​
• Content Moderation: Ensuring appropriate content and managing community guidelines can be challenging, leading to potential exposure to unsuitable material.​

User Experiences:

• Positive Feedback: Users appreciate Loco’s focus on the Indian gaming scene and its support for regional gamers. The platform’s emphasis on local content has been well-received by the community.​ Reddit
• Negative Feedback: Some users have expressed concerns about the app’s performance, including issues like app crashes and audio quality. Discussions on platforms like Reddit highlight these challenges. ​

Trusted Platform Reviews and Ratings:

• Google Play Store: Loco has been downloaded over 10 million times, indicating a significant user base. ​Google Play
• LinkedIn: From a corporate perspective, Loco is recognized as a leading independent live gaming streaming and esports platform, with a growing team based in Bengaluru, Karnataka. ​LinkedIn

Types of Money Earning Apps

Money-earning apps can be categorized into several types based on how users earn money. Here are the most common types:

1. Survey and Reward Apps: Users earn money by completing surveys, watching ads, or participating in market research. Examples: Swagbucks, Google Opinion Rewards.
2. Cashback and Shopping Apps: Users earn cashback or rewards for shopping through these apps. Examples: CashKaro, EarnKaro.
3. Freelancing and Gig Apps: Users offer their skills or services to earn money. Examples: Upwork, Fiverr.
4. Gaming Apps: Users earn money by playing games or participating in tournaments. Examples: MPL, Loco.
5. Referral and Social Media Apps: Users earn by referring friends or creating content. Examples: ShareChat, RozDhan.
6. Microtask Apps: Users complete small tasks like data entry, app testing, or transcription to earn money. Examples: Amazon Mechanical Turk, Clickworker.

Growth in Demand for Earning Apps

The demand for money-earning apps has seen exponential growth over the past five years. According to Google Trends, searches for “earning apps” have increased from 10 daily searches to over 10,000+ daily searches. This surge in popularity can be attributed to:

1. Increased Smartphone Penetration: With more people owning smartphones, access to earning apps has become easier.
2. Awareness of Side Income Opportunities: People are increasingly looking for ways to supplement their primary income, and earning apps provide a convenient solution.
3. Flexibility and Convenience: These apps allow users to earn money from anywhere, at any time, making them highly appealing.
4. Diverse Earning Options: From surveys to gaming, there are apps catering to a wide range of interests and skills.
5. Trust and Reliability: As more legitimate apps gain popularity, users are becoming more confident in using them.

Things to Keep in Mind While Earning Money Through These Apps

1. Research the App: Read reviews and comments from other users to ensure the app is legitimate and trustworthy.
2. Read Terms and Conditions: Understand the app’s policies, payment methods, and withdrawal limits.
3. Avoid Upfront Fees: Legitimate earning apps are free to join. Be cautious of apps that ask for payment.
4. Set Realistic Expectations: Most earning apps provide supplemental income, not a full-time salary.
5. Protect Personal Information: Avoid sharing sensitive data unless the app is reputable and secure.

Final Thoughts

Earning money online without investment is no longer a distant dream now it is easily possible all thanks to the digitalized world and real money-earning apps. Begin earning today! Let us know which apps you are trying in the comments below.