What Apps Can I Make Money On In The USA?

What Apps Can I Make Money On? If you’re searching for ways to boost your financial health and explore diverse income streams, money-central.com provides a comprehensive list of money-making apps tailored for the US market, covering everything from freelancing to selling used items. Discover the apps that align with your skills and interests, and start your journey toward financial empowerment with insights, resources, and expert advice. Let’s explore app-based earnings, income opportunities, and financial freedom.

1. Understanding the Landscape of Money-Making Apps

What apps can I make money on? Making money through apps has become increasingly popular, especially in the United States, due to its flexibility and accessibility. These apps offer a wide range of opportunities, from freelancing and completing short tasks to participating in the gig economy and selling personal items. The rise of smartphones and widespread internet access have made it easier than ever for individuals to supplement their income or even build a full-time career through these platforms. These platforms can improve financial planning, supplemental income, and earnings potential.

1.1. The Rise of the Gig Economy

The gig economy has transformed the way people work, providing opportunities for flexible, on-demand employment. According to research from New York University’s Stern School of Business, in July 2025, the gig economy continues to expand, with more Americans participating in freelance, contract, and temporary work arrangements.

This shift is driven by several factors:

• Technological Advancements: Apps and online platforms have streamlined the process of connecting workers with clients, making it easier to find and manage gigs.
• Changing Workforce Preferences: Many individuals seek greater autonomy and flexibility in their work lives, leading them to pursue gig work.
• Economic Factors: The gig economy offers an alternative source of income for those facing job insecurity or seeking to supplement their earnings.

1.2. Benefits of Using Money-Making Apps

Money-making apps offer numerous advantages for users:

• Flexibility: Work on your own schedule and set your own hours.
• Accessibility: Many apps are available on smartphones, allowing you to earn money from anywhere with an internet connection.
• Diverse Opportunities: Choose from a wide range of tasks and projects based on your skills and interests.
• Income Potential: Supplement your income or build a full-time career, depending on your dedication and effort.
• Skill Development: Gain new skills and experience through various tasks and projects.

1.3. Key Considerations Before Getting Started

Before diving into the world of money-making apps, it’s important to consider several factors:

• Legitimacy: Research the app and read reviews to ensure it’s a legitimate platform with a track record of paying users.
• Fees and Charges: Be aware of any fees or charges associated with using the app, such as transaction fees or subscription costs.
• Time Commitment: Assess the amount of time required to earn a meaningful income and whether it aligns with your schedule and goals.
• Payment Methods: Understand how you will be paid and whether the payment methods are convenient for you.
• Tax Implications: Be aware of the tax implications of earning money through apps and ensure you comply with all relevant tax laws.

1.4. Understanding Your Financial Goals

Before exploring specific apps, take some time to clarify your financial goals. What do you hope to achieve by using these apps? Are you looking to:

• Pay off debt?
• Save for a specific goal, such as a vacation or down payment on a house?
• Supplement your income to cover everyday expenses?
• Build a full-time career?

Having a clear understanding of your financial goals will help you choose the apps that best align with your needs and priorities. Money-central.com offers resources and tools to help you set and track your financial goals, ensuring you stay on track as you explore money-making opportunities.

2. Top Apps for Freelancing and Gig Work

What apps can I make money on through freelancing? Several apps connect freelancers with businesses and individuals seeking specific services. These platforms offer a wide range of opportunities for those with skills in writing, graphic design, programming, and more.

2.1. Upwork

Upwork is an online platform that connects businesses with freelancers for various projects and services. It offers a wide range of remote work opportunities and allows users to manage their projects and payments.

• Overview: Upwork provides a marketplace for freelancers to find projects in fields such as writing, web development, design, and customer service.
• Getting Started: Create a profile and submit an application. Acceptance may vary based on their criteria.
• Earning Potential: According to Upwork, U.S. freelancers earn an average of $20 per hour. Some professions earn $28 per hour.
• Payment Options: Direct-to-bank, wire transfer, and instant pay for US freelancers. Third-party payment vendors include Wise, PayPal, Payoneer, and M-Pesa.

Upwork platform showing various freelance job listings

2.2. Fiverr

Fiverr is a digital marketplace that connects freelancers with clients looking for various services, such as graphic design, writing, and programming. It offers affordable and efficient solutions for businesses and individuals seeking professional work.

• Overview: Fiverr allows freelancers to offer services (called “Gigs”) in categories like graphic design, writing, and digital marketing.
• Getting Started: Create a seller profile and a Gig describing the services you offer.
• Earning Potential: Earnest reports that the average Fiverr user makes around $103 per month, with a median income of $60 per month.
• Payment Options: PayPal, direct deposit, and Fiverr Revenue Card.

2.3. Freelancer.com

Freelancer.com is an online platform connecting businesses with skilled freelance professionals for various projects. It offers a wide range of services to help businesses grow and individuals find work opportunities, including web design, writing, marketing, and programming.

• Overview: Freelancer.com hosts projects in fields like web design, writing, and marketing.
• Getting Started: Registration is free, requiring a Facebook account or email address.
• Earning Potential: Similar to Upwork, freelancers can expect to make an average of $20 per hour.
• Payment Options: PayPal, Skrill, and bank transfers.

2.4. Toptal

Toptal is a selective platform that connects businesses with top freelance talent worldwide. Its rigorous screening process ensures clients receive top-quality work from the best professionals in their field.

• Overview: Toptal specializes in connecting companies with top freelance talent, particularly in tech and design.
• Getting Started: Successful Toptal freelancers typically have at least 2-3 years of relevant experience, excellent communication skills, and are able to quickly adapt to projects. The screening process may take multiple weeks.
• Earning Potential: Career Karma and Glassdoor report that freelancers at Toptal earn between $50,355 and $234,368 annually, depending on your field, rate, and the quantity and quality of jobs.
• Payment Options: Direct transfer, Payoneer, and wire transfers.

2.5. FlexJobs

FlexJobs is a job search platform that provides users with access to flexible and remote job opportunities. It aims to connect individuals seeking work-life balance with companies offering telecommuting, part-time, and freelance positions.

• Overview: FlexJobs focuses on flexible and remote job opportunities, including freelance positions.
• Getting Started: Sign up and create a resume profile to apply for featured jobs.
• Earning Potential: Glassdoor users report that the average salary is between $30,000 and $80,000 per year. Higher-up and more specialized positions earn over $100,000 per year.
• Payment Options: Salaries and payment methods vary by employer.

3. Apps for Completing Short Tasks

What apps can I make money on for short tasks? These apps offer opportunities to earn money by completing simple tasks, such as taking surveys, scanning receipts, and watching videos.

3.1. Ibotta

Ibotta is a cash-back app that allows users to earn money by making purchases at participating stores and scanning their receipts. It offers a convenient way for consumers to save money while shopping and has become popular for its various reward options.

• Overview: Ibotta offers cash back for purchases at participating stores when users scan their receipts.
• Getting Started: You will need a compatible device and a PayPal account. Alternatively, shoppers can collect rewards and cash them in to receive featured gift cards from select retailers if that is preferred over the cash option.
• Earning Potential: According to reviews, it’s very feasible to reach a $20 threshold each month.
• Payment Options: PayPal or gift cards.

Upwork platform showing various freelance job listings

3.2. Rakuten

Rakuten is a popular e-commerce platform and app that offers a wide range of products from various retailers. It also has deals and discounts for its users and features a cashback program where users can earn money on their purchases.

• Overview: Rakuten provides cashback rewards for online purchases at various retailers.
• Getting Started: Joining Rakuten is free, requiring only an email and password, a Facebook profile, a Google account, or an Apple account.
• Earning Potential: New users can earn a $10 bonus when $25 is spent in the first 90 days of membership.
• Payment Options: Check or PayPal every 3 months.

3.3. Swagbucks

Swagbucks is a popular rewards app that allows users to earn points by completing various tasks, including taking surveys and watching videos, which can then be redeemed for gift cards or cash. It offers a fun and easy way for people to make extra money while using their phones.

• Overview: Swagbucks allows users to earn points by completing surveys, watching videos, and more.
• Getting Started: You can join Swagbucks online or via their app. It should only take about 45 – 60 seconds to create your Swagbucks account.
• Earning Potential: Most Swagbucks members can make anywhere from a couple hundred to a couple thousand extra dollars a year. Daily income can average out to $1 to $5 a day.
• Payment Options: Gift cards or PayPal.

3.4. Survey Junkie

Survey Junkie is a survey platform that allows users to earn money by completing online surveys. It connects market researchers with consumers, providing rewards for both parties.

• Overview: Survey Junkie pays users for completing online surveys.
• Getting Started: When you sign up for Survey Junkie, you have the option to sign up for one or both of their information collection services. SJ Opinion is your standard survey and focus group option. SJ Pulse collects your browsing behavior.
• Earning Potential: The blog Money Done Right reports earnings of $3.18 per hour doing surveys.
• Payment Options: PayPal or e-gift cards.

3.5. Taskrabbit

Taskrabbit is an online platform that connects people with local freelancers to help with various tasks and errands. Users can post tasks, set their prices, and hire a “Tasker” to complete the task.

• Overview: Taskrabbit connects users with local freelancers for various tasks and errands.
• Getting Started: To become a Tasker, you must download the Tasker app, create an account, and make a profile with relevant information. You will also need to verify your identity using an ID and a photo of yourself.
• Earning Potential: Earnest reports that Taskrabbit users make an average of $380 per month, with a median income of $110 per month.
• Payment Options: Direct deposit.

4. Delivery and Taxi Apps

What apps can I make money on for deliveries? These apps allow you to earn money by providing delivery and transportation services, offering flexibility and the opportunity to work on your own schedule.

4.1. Uber

Uber is a popular transportation app that connects users with local drivers for on-demand rides. It offers a convenient and efficient alternative to traditional taxi services.

• Overview: Uber connects drivers with riders for on-demand transportation.
• Getting Started: You’ll need to be able to drive legally for this job. You’ll need a four-door car, a valid in-state license, vehicle insurance, proof of residency, and 1-3 years of driving experience.
• Earning Potential: Earnest reports that Uber drivers make an average of $364 per month, with a median income of $155 per month.
• Payment Options: Direct deposit.

Upwork platform showing various freelance job listings

4.2. Lyft

Lyft is a ridesharing app that allows users to request and pay for car rides from nearby drivers. It offers an alternative to traditional taxis and provides a convenient and affordable transportation option for users.

• Overview: Lyft is a ridesharing app similar to Uber, connecting drivers with riders.
• Getting Started: Like Uber, you’ll need a valid driver’s license, a background check, documents like insurance, and a car, which can be yours or a rental.
• Earning Potential: Earnest reports that Lyft drivers make an average of $377 per month, with a median income of $210 per month.
• Payment Options: Direct deposit.

4.3. DoorDash

DoorDash is a food delivery app that connects users with local restaurants for on-demand meal orders. It allows customers to browse menus, place and track orders, and have their food delivered right to their doorstep.

• Overview: DoorDash connects drivers with customers for food delivery from local restaurants.
• Getting Started: DoorDash dashers must be over 18, have access to a vehicle, and be able to provide documentation like an ID and SSN.
• Earning Potential: Earnest reports that DoorDash dashers make an average of $229 per month, with a median income of $100 per month.
• Payment Options: Direct deposit.

4.4. Instacart

Instacart is a grocery delivery app that allows users to order groceries from their favorite stores and have them delivered to their doorstep. It offers a convenient and time-saving solution for busy individuals or those unable to go to the store.

• Overview: Instacart allows shoppers to deliver groceries to customers from their favorite stores.
• Getting Started: To become a shopper for Instacart, you must be over 18 and eligible to work in the U.S. You should also have a vehicle, a driver’s license, and a bank account.
• Earning Potential: According to the blog Route4Me, shoppers make an average of $11-$16 per hour, or $16.06 per trip.
• Payment Options: Direct deposit.

5. Apps for Selling Your Stuff

What apps can I make money on for selling my stuff? These apps provide a platform for selling your unwanted items, from clothing and accessories to furniture and electronics.

5.1. Poshmark

Poshmark is a fashion marketplace app where users can buy and sell new or used clothing, accessories, and home goods. It offers a social media-like experience with features such as following other users, sharing items with your followers, and joining virtual shopping parties.

• Overview: Poshmark is a fashion marketplace app where users can buy and sell new or used clothing, accessories, and home goods
• Getting Started: Average seller can expect to earn about $500 a month. A dedicated, full-time user could make up to $5,000.
• Earning Potential: Digital or Check
• Payment Options: Poshmark ProTools

Upwork platform showing various freelance job listings

5.2. Facebook Marketplace

Facebook Marketplace is an online platform where individuals can buy and sell goods and services nearby. It provides a convenient way for users to connect with potential buyers or sellers in their community.

• Overview: Facebook Marketplace is an online platform where individuals can buy and sell goods and services nearby
• Getting Started: Marketplace users need a Facebook account to start selling. Facebook recommends that sellers take their own photos, write honest descriptions, provide original purchase documents, price products well, be professional, and stay up to date
• Earning Potential: Hard to get a good estimate of what you could make on Facebook Marketplace since it’s very region-specific
• Payment Options: Varies by seller, often cash or electronic transfers

5.3. OfferUp

OfferUp is a mobile marketplace app that connects buyers and sellers in their local area. Users can buy and sell a variety of items through the platform’s easy-to-use interface.

• Overview: OfferUp is a mobile marketplace app that connects buyers and sellers in their local area
• Getting Started: OfferUp needs access to an app or website, on which you can make an account with email, Facebook, Google, or Apple ID
• Earning Potential: Information about typical OfferUp earnings is not available online.
• Payment Options: Cash, electronic transfers

5.4. Vinted

Vinted is a mobile marketplace where users can buy and sell secondhand clothing, shoes, and accessories. It also offers features such as virtual closets, personalized recommendations, and social networking for fashion lovers.

• Overview: Vinted is a mobile marketplace where users can buy and sell secondhand clothing, shoes, and accessories
• Getting Started: Vinted needs you to verify your account with Google or Facebook and suggests you use a profile picture
• Earning Potential: It’s difficult to find individual earnings. Productmint reports that Vinted is valued at $4.5 billion with $562.3 million raised, making it a promising business venture
• Payment Options: Direct transfer to bank account

6. Maximizing Your Earnings and Staying Safe

What apps can I make money on and how can I maximize my earnings? Maximizing your earnings from money-making apps requires a strategic approach. Here are some tips to help you increase your income and stay safe while using these platforms:

6.1. Tips for Maximizing Earnings

• Be Consistent: Dedicate a specific amount of time each day or week to work on money-making apps. Consistency is key to building up your earnings over time.
• Diversify Your Efforts: Don’t rely on just one app. Explore multiple platforms to diversify your income streams and reduce the risk of relying on a single source.
• Optimize Your Profile: Create a professional and compelling profile on freelancing platforms to attract more clients. Highlight your skills, experience, and positive reviews.
• Set Competitive Prices: Research the going rates for your services on freelancing platforms and set competitive prices to attract clients.
• Provide Excellent Service: Deliver high-quality work and excellent customer service to earn positive reviews and repeat business.
• Take Advantage of Bonuses and Promotions: Many apps offer bonuses and promotions to incentivize users. Take advantage of these opportunities to boost your earnings.
• Refer Friends: Many apps offer referral bonuses when you invite friends to join the platform. Share your referral code with your network to earn extra money.
• Track Your Earnings: Keep track of your earnings from each app to monitor your progress and identify areas for improvement.

6.2. Ensuring Safety and Security

• Research the App: Before using any money-making app, research its reputation and read reviews from other users. Look for apps with a proven track record of paying users and protecting their privacy.
• Protect Your Personal Information: Be cautious about sharing personal information on money-making apps. Avoid providing sensitive data such as your Social Security number, bank account details, or credit card information unless absolutely necessary.
• Use Strong Passwords: Create strong, unique passwords for each of your money-making app accounts. Avoid using the same password for multiple accounts.
• Enable Two-Factor Authentication: Enable two-factor authentication (2FA) on your money-making app accounts to add an extra layer of security.
• Be Wary of Scams: Be cautious of scams and fraudulent schemes that promise unrealistic earnings or require you to pay money upfront. If an offer seems too good to be true, it probably is.
• Report Suspicious Activity: If you encounter any suspicious activity on a money-making app, report it to the platform’s support team immediately.
• Keep Your Apps Updated: Keep your money-making apps updated to the latest version to ensure you have the latest security features and bug fixes.

6.3. Leveraging Money-Central.com for Financial Guidance

Money-central.com is your go-to resource for financial guidance and resources. The site offers a wealth of information on topics such as budgeting, saving, investing, and debt management.

By visiting money-central.com, you can:

• Access Expert Advice: Get insights and advice from financial experts on how to manage your money effectively.
• Use Financial Tools and Calculators: Take advantage of free financial tools and calculators to help you budget, save, and invest.
• Read Informative Articles: Stay up-to-date on the latest financial news and trends with informative articles and blog posts.
• Connect with a Financial Advisor: Find a qualified financial advisor in your area to get personalized advice and support.

Address: 44 West Fourth Street, New York, NY 10012, United States.

Phone: +1 (212) 998-0000.

Website: money-central.com.

7. Case Studies: Real People Making Money with Apps

What apps can I make money on and what are some real case studies? To inspire you and demonstrate the potential of money-making apps, here are a few case studies of real people who have successfully used these platforms to earn money:

7.1. Sarah, the Freelance Writer

Sarah is a freelance writer who uses Upwork to find writing projects. She started by creating a profile showcasing her writing skills and experience. Over time, she built a strong reputation on the platform by delivering high-quality work and earning positive reviews.

Today, Sarah earns a full-time income as a freelance writer, working on projects that she enjoys and setting her own hours. She credits Upwork for providing her with the opportunity to pursue her passion and achieve financial independence.

7.2. John, the Rideshare Driver

John is a rideshare driver who uses Uber and Lyft to earn money in his spare time. He works as a driver on evenings and weekends, supplementing his income from his full-time job.

John enjoys the flexibility of being a rideshare driver and the opportunity to meet new people. He uses the money he earns to pay off debt and save for a down payment on a house.

7.3. Maria, the Online Seller

Maria is an online seller who uses Poshmark to sell clothing and accessories. She started by decluttering her closet and selling items she no longer wore. Over time, she built a successful online business, sourcing items from thrift stores and selling them for a profit.

Maria earns a significant income from her online selling business and enjoys the flexibility of working from home. She uses the money she earns to support her family and pursue her other interests.

7.4. David, the TaskRabbit Tasker

David is a Tasker on TaskRabbit who helps people with various tasks and errands. He offers services such as furniture assembly, home repairs, and moving assistance.

David enjoys the variety of tasks he gets to do as a Tasker and the opportunity to help people in his community. He uses the money he earns to pay for his education and build his savings.

7.5. Emily, the Survey Junkie Participant

Emily participates in surveys on Survey Junkie to earn extra money in her spare time. She spends a few minutes each day completing surveys and earns rewards that she redeems for gift cards and cash.

Emily uses the money she earns from Survey Junkie to treat herself to small luxuries and save for special occasions. She enjoys the convenience of being able to earn money from her phone while waiting in line or during her commute.

8. Navigating Tax Implications

What apps can I make money on and what are the tax implications? Earning money through apps is subject to taxation. It is important to understand your tax obligations and comply with all relevant tax laws.

8.1. Understanding Your Tax Obligations

As an independent contractor or freelancer, you are responsible for paying self-employment taxes, which include Social Security and Medicare taxes. You are also responsible for paying federal and state income taxes on your earnings.

8.2. Tracking Your Income and Expenses

It is important to keep accurate records of your income and expenses to properly calculate your tax liability. You can use accounting software or a spreadsheet to track your earnings and expenses.

8.3. Deducting Business Expenses

As an independent contractor or freelancer, you may be able to deduct certain business expenses from your taxable income. Common business expenses include:

• Home office expenses
• Internet and phone expenses
• Vehicle expenses
• Advertising and marketing expenses
• Software and subscription expenses

8.4. Consulting with a Tax Professional

If you are unsure about your tax obligations or how to properly track your income and expenses, it is advisable to consult with a tax professional. A tax professional can provide personalized advice and help you comply with all relevant tax laws.

9. Common Mistakes to Avoid

What apps can I make money on and what are the mistakes to avoid? To maximize your success with money-making apps, it’s important to avoid common mistakes that can hinder your progress. Here are some pitfalls to watch out for:

9.1. Ignoring the Terms and Conditions

Failing to read and understand the terms and conditions of money-making apps can lead to misunderstandings and potential issues. Pay attention to details such as payment schedules, fees, and rules for participation.

9.2. Overlooking Fees and Charges

Some money-making apps charge fees or commissions for using their platform. Be aware of these costs and factor them into your earnings calculations to avoid surprises.

9.3. Falling for Get-Rich-Quick Schemes

Be skeptical of apps that promise unrealistic earnings or require you to pay money upfront. These are often scams that will leave you disappointed and out of pocket.

9.4. Neglecting Customer Service

If you’re providing services through money-making apps, prioritize customer service. Respond promptly to inquiries, address concerns professionally, and strive to exceed expectations.

9.5. Failing to Track Your Time

Time is money, so it’s essential to track how long you spend on money-making activities. This will help you assess your hourly rate and make informed decisions about which tasks or platforms are most profitable.

9.6. Spreading Yourself Too Thin

Trying to juggle too many money-making apps at once can lead to burnout and decreased productivity. Focus on a few platforms that align with your skills and interests, and dedicate your time and energy to excelling in those areas.

10. The Future of Money-Making Apps

What apps can I make money on and what does the future hold? The future of money-making apps looks promising, with ongoing innovation and increasing opportunities for individuals to earn income through digital platforms. Here are some trends to watch for:

10.1. Growth of the Creator Economy

The creator economy, which encompasses individuals who create and share content online, is booming. Money-making apps are playing a key role in enabling creators to monetize their work and connect with their audience.

10.2. Rise of Micro-Tasking Apps

Micro-tasking apps, which offer small, quick tasks for users to complete in exchange for payment, are gaining popularity. These apps provide a convenient way for individuals to earn money during their downtime.

10.3. Integration of AI and Automation

Artificial intelligence (AI) and automation are transforming the way money-making apps operate. AI-powered algorithms can match freelancers with relevant projects, optimize pricing strategies, and streamline customer service.

10.4. Expansion of the Gig Economy

The gig economy is expected to continue its growth trajectory, providing more opportunities for flexible, on-demand work. Money-making apps will play a crucial role in connecting workers with clients and facilitating gig-based employment.

10.5. Focus on Financial Wellness

As awareness of financial wellness grows, money-making apps are increasingly incorporating features and resources to help users manage their money effectively. This includes budgeting tools, financial education content, and access to financial advisors.

FAQ: Common Questions About Money-Making Apps

• What are the best money-making apps for beginners?
  Ibotta, Swagbucks, and Survey Junkie are great for beginners due to their simplicity and ease of use.
• How much money can I realistically make with these apps?
  Earnings vary widely based on the app and your effort, but most users can expect to make a few hundred to a few thousand dollars per year.
• Are these apps safe to use?
  Most legitimate money-making apps are safe, but it’s essential to research and read reviews before using them.
• Do I need any special skills to use these apps?
  No, many apps offer tasks that require no special skills, such as taking surveys or scanning receipts.
• How do I get paid by these apps?
  Payment methods vary but commonly include PayPal, direct deposit, gift cards, and checks.
• What is the best way to maximize my earnings on these apps?
  Consistency, diversification, and taking advantage of bonuses and promotions are key to maximizing earnings.
• Are there any tax implications to using these apps?
  Yes, earnings from money-making apps are subject to taxation, so it’s important to track your income and expenses.
• Can I use these apps on my phone?
  Yes, most money-making apps are available on smartphones, making it easy to earn money on the go.
• How do I avoid scams on money-making apps?
  Be wary of apps that promise unrealistic earnings or require you to pay money upfront, and always research the app before using it.
• What if I have a problem with a money-making app?
  Contact the app’s support team for assistance, and report any suspicious activity immediately.

Conclusion: Taking Control of Your Financial Future

What apps can I make money on? Money-making apps offer a wide range of opportunities for individuals to earn income, supplement their earnings, and achieve their financial goals. By understanding the landscape of money-making apps, choosing the right platforms for your skills and interests, and following best practices for safety and security, you can take control of your financial future and build a brighter tomorrow.
Remember, money-central.com is your trusted resource for financial guidance and support. Visit the site today to access expert advice, financial tools, and a wealth of information to help you achieve your financial dreams.