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Best Money-Saving & Money-Making Apps That Actually Work (Cashback, Surveys & Side Income)

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Discover the best legit apps that help you save money, earn extra income, and simplify your life. This curated list includes top cashback apps, affiliate programs, survey apps, shopping tools, and side-income apps that actually work, no scams, no hyp...
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Best Cashback Apps That Pay You for Everyday Spending

These cashback apps reward you for purchases you’re already making on groceries, online shopping, gas, and more. Earn real cash, gift cards, or PayPal payouts with minimal effort.

 
Whitney Baer profile picture
I have used this app since 2012 and I use it as much as possible! I love that they provide big brand stores that we all like and trust, cashback to stores I'm already shopping at and simple PayPal payouts!
Rakuten: Shop. Get Cash Back. Repeat.
 
Whitney Baer profile picture
Ibotta is another app that I've used for years. I love it because you get instant savings on groceries and household items, easy to scan receipts or link cards and fast rewards for items I purchased daily.
Ibotta
 
Whitney Baer profile picture
This app surprised me in such a good way! I thought it wouldn't be that good, but it has already made me $70 in a couple months. Savings on gas, groceries and food in general makes this a must-have app. Also, it works in the background and reminds yo...
Upside
 
Whitney Baer profile picture
I use this weekly and even sometimes daily! The points rack up pretty fast, especially when you start playing games! What I love is you there aren't any preselected offers required, any receipt qualifies and it's extremely beginner friendly!
Fetch Rewards
 
Whitney Baer profile picture
This is another good app to use with receipts. Any receipts will work!
Receipt Hog
 
Whitney Baer profile picture
Quick way to make some extra cash and easy cashout! I've cashed out several times from this app!
Freecash: Get Paid for Games & Surveys | Earn Real Cash
 
Whitney Baer profile picture
Easy to scan, play and earn on this app and super easy and quick cashout. One of my favorites.
Pogo

Best Affiliate & Referral Apps for Passive Income

Affiliate and referral apps let you earn money by sharing links or recommending products you already love. Perfect for content creators, social media users, and beginners looking for passive income streams.

 
Whitney Baer profile picture
I enjoy sharing with people my favorites, so that is why I love Amazon and Benable! People already shop at Amazon and it's easy to use!
My Amazon Storefront
 
Whitney Baer profile picture
I'm new to this, but I am loving it too! Shoppable content feels native and its got strong media integration and high brand recognition in lifestyle niches.
LTK (LIKEtoKNOW.it)
 
Whitney Baer profile picture
My absolute favorite platform right now! I love that it is one click access to multiple links and works perfectly with other platforms!
Benable
 
Whitney Baer profile picture
A link in bio dream! My favorite, easy to navigate, add links and products! 10/10 recommend to anyone just starting out or wanting a nice letting set up!
Beacons AI
 
Whitney Baer profile picture
Great place to earn passively with affiliate links! My favorite place to post affiliate content.
Pinterest
 
Whitney Baer profile picture
Favorite Link generating platform for affiliate marketing! It's easy to navigate and beginner friendly.
Mavely

Best Survey and Game Apps That Actually Pay (No Scams)

Get paid for your opinions with legit survey apps that offer fast payouts, low cash-out limits, and consistent opportunities. Ideal for earning extra money during downtime.

 
Whitney Baer profile picture
I like this because it is very beginner friendly, it gives daily opportunities and it has fast cashouts!
Branded Surveys
 
Whitney Baer profile picture
I've been on this app since 2016 and there's a reason, I have stayed because of the multiple ways to earn and low payout threshold!
Swagbucks
 
Whitney Baer profile picture
I enjoy this app and like that you can just connect your fitness apps, etc and it will add points to your total. Not a get rich quick, but adds up.
Evidation
 
Whitney Baer profile picture
Low cashout amount and several surveys to choose from.
AttaPoll
 
Whitney Baer profile picture
Low cashout value and lots of survey choices, checkins, etc that can earn some extra cash.
Eureka Surveys
 
Whitney Baer profile picture
Survey's, games, etc. to earn some extra cash. I just started browsing this app, but I like it!
Copper | Earn Free Gift Cards with Online Paid Surveys & Games
 
Whitney Baer profile picture
I love to use this app to make some fast money! Always seems like it adds up pretty fast and you also get entered in sweepstakes for logging on daily.
Kashkick

Best Apps That Save You the Most Money

These apps help you compare prices, find deals, earn rewards, and avoid overspending. Perfect for smart shoppers who want to stretch their budget further.

 
Whitney Baer profile picture
Deep discounts on books and who doesn't want cheaper books, when you only want to read a book once anyway!
ThriftBooks
 
Whitney Baer profile picture
A best kept secret really! Audiobooks can be expensive! This is a good way to be able to listen to whatever you want because you have a library card!
Libby
 
Whitney Baer profile picture
You don't directly save money here, but it is a very useful app that allows you to be able to leverage to make extra cash.
Canva
 
Whitney Baer profile picture
My very favorite high yield savings account! So many options and easy to move money around if need be.
High Yield Savings Account - Open Online, No Monthly Fees

Best Apps to Make a Little Extra Money (Possible Risk Involved)

These apps can help you make a little extra money, but they aren’t risk-free. This list is for people who like exploring opportunities, understand ups and downs, and want to decide for themselves what fits their comfort level. Always spend responsibl...

 
Whitney Baer profile picture
Comes with risk, but can be fun to make a little off a prediction of the weather!
Kalshi

Most Useful Apps That Make Life Easier (Daily Essentials)

These are the must-have apps that improve productivity, organization, finances, and overall quality of life. Less stress, more efficiency.

 
Whitney Baer profile picture
Easy to use iPhone app that helps you with remembering your to-do list as well as share them with other family members!
Reminders - Apple iCloud