Top 22 Apps for Earning Passive Income Effortlessly

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You can only work so many hours each day, so if you want to build wealth, you need to find ways to earn money even while you sleep. This means you need to create passive income streams. Unfortunately, generating passive income can seem daunting since it often requires a good bit of money or effort upfront before you see any returns. Thankfully, there are many passive income apps available to help you create additional income sources without adding much extra work to your schedule. Here are 22 apps that can help you make money passively.

1. Fundrise
   Real estate investing can be a great way to earn extra income, but being a landlord involves a lot of work. With Fundrise, you can invest in real estate without the hassles of property management. You only need a $10 minimum investment to get started and can join forces with other investors to access larger projects.

2. HappyNest
   HappyNest is similar to Fundrise and lets you invest in commercial real estate with just $10. You can round up your purchases to the nearest dollar and invest the spare change, making it an effortless way to grow your investments.

3. Groundfloor
   Groundfloor blends saving and investing, promising an annual return of 10%. With options to invest in renovation loans or use automated tools, you can see returns every 4-12 months, which is quicker than many other real estate investing apps.

4. Mainvest
   Mainvest lets you invest in small businesses with as little as $100, promising potential returns of 10-25%. You can customize your portfolio based on various preferences, and you’ll receive quarterly repayments.

5. Acorns
   Acorns helps you invest spare change automatically by rounding up your purchases. This app offers diversified portfolios managed by financial experts and lets you start investing for just a $3 monthly fee.

6. Yieldstreet
   Yieldstreet offers investment opportunities in various asset classes, such as commercial property and art. You get exposure to potential passive income from unique sources based on your investment and risk tolerance.

7. Public
   Public makes zero-commission trades and connects you with other investors. You can start without a minimum account balance and invest in stocks, ETFs, crypto, contemporary art, and more.

8. Robinhood
   Known for commission-free trading, Robinhood lets you invest in ETFs and stocks without account fees or minimums. You can earn passive income with dividends and even get a free stock when you sign up.

9. M1 Finance
   M1 Finance offers automated investment tools and curated portfolios to make generating passive income easier. You can purchase fractional shares if you don’t have enough to invest in whole shares of specific companies.

10. Airbnb
    If you have extra space, Airbnb lets you earn passive income by renting it out. You can automate many tasks like check-ins and cleaning to make the process smoother and more efficient.

11. Neighbor
    Neighbor lets you rent out extra space for storage. You can list spaces like driveways, sheds, or closets and earn money with minimal effort.

12. Swagbucks
    Swagbucks lets you earn points through activities like online shopping, playing games, and browsing the web. Those points can then be exchanged for gift cards or cash back.

13. Drop
    Drop rewards you with points for shopping at your favorite stores. You can redeem these points for gift cards, crypto, and more.

14. Dosh
    Dosh offers automatic cash back from various retailers. You only need to download the app, and it takes care of the rest, providing cash directly to your PayPal, Venmo, or bank account once you hit $15.

15. Rakuten
    Rakuten gives you cash back for shopping at thousands of stores by tracking your online purchases with a browser extension. You get paid via PayPal every three months and receive a $10 bonus when you spend your first $25.

16. Upside
    Upside pays cash back on gas purchases at over 50,000 locations. It’s free to join, and you get paid in cash for something you’re already buying.

17. Trim
    Trim helps you save money by analyzing your spending and negotiating lower bills. While not a direct source of income, it can help you retain more money by cutting your expenses.

18. Capital One Shopping
    Capital One Shopping rewards you with points for shopping at your favorite stores and finds lower prices for products you’re about to buy. It’s free even if you’re not a Capital One customer.

19. Rocket Money
    Rocket Money, formerly Truebill, saves you money by negotiating lower bills and canceling unused subscriptions. It also helps you manage your budget and spending.

20. Tada
    Tada is a cash-back app offering up to 20% back on purchases. You get paid via PayPal or gift cards, and it includes a browser extension for online shopping.

21. OnMyWay
    OnMyWay pays you to stay off your phone while driving, making it an easy way to earn some extra cash if you drive frequently. You can also refer friends to increase your income.

22. Earny
    Earny tracks prices on your recent purchases and gets you a refund if prices drop. It also alerts you about delayed Amazon deliveries, helping you save money on online shopping.

Are Passive Income Apps Legit?
The passive income apps mentioned above are widely used and have been proven to help people make or save money. The effort and commitment required vary among apps, and while none of them will make you rich overnight, they can help you create multiple streams of income.

The Final Word on Passive Income Apps
To boost your cash flow, explore the passive income opportunities available. By creating multiple income streams, you can gradually increase your earnings and potentially cover your expenses with passive income one day.