7 Passive Income Apps That Actually Pay (2025 Edition)
7 Passive Income Apps That Actually Pay (2025 Edition)
If you’ve ever searched for “passive income apps,” you’ve probably seen a lot of hype. The truth is, most apps won’t make you rich overnight, but some can actually help you earn extra cash on the side — with minimal effort.
Below are seven apps that continue to be popular in 2025 for generating small amounts of passive or semi-passive income. These are based on real user experiences and app store availability, with no exaggerated claims.
1. Acorns (My Favorite)
Acorns is a micro-investing app that rounds up your spare change and invests it automatically. I’ve personally used it for several years, and it has worked amazingly well. The app is user-friendly, offers automated portfolio management, and helps build long-term savings without much effort. It’s a great option if you’re new to investing or simply want a hands-off experience.
2. Rakuten
Rakuten is one of the most well-known cashback platforms. Once installed as a browser extension or used via its mobile app, it automatically notifies you of cashback opportunities when shopping online. Cashback is usually issued on a quarterly basis. After the initial setup, using it requires little to no effort.
3. Ibotta
Ibotta offers cash back for groceries and everyday purchases. You can either scan receipts after shopping or link your store loyalty cards. It’s semi-passive: it takes a minute or two per receipt, but the savings can add up over time.
4. Fetch Rewards
Fetch Rewards is a receipt-scanning app that rewards you for your grocery purchases. It’s quick, easy, and doesn’t require linking accounts. Just snap a photo of your receipt, and you’re done. It’s one of the most passive options for grocery rewards.
5. Swagbucks
Swagbucks lets you earn points by watching videos, searching the web, playing games, or answering surveys. While some activities are more passive than others, it can be a useful option if you want to multitask or make use of idle time. The points can be redeemed for gift cards or PayPal cash.
6. Survey Junkie
Survey Junkie pays users for their opinions. In addition to traditional surveys, they offer an “SJ Pulse” program that tracks your browsing behavior (with permission) for additional rewards. It’s a mix of active and passive participation depending on how you choose to engage.
7. Honeygain
Honeygain allows you to share unused internet bandwidth in exchange for rewards. Once installed, it runs quietly in the background. It’s among the most passive apps on this list, though availability and performance may vary depending on your internet provider and location. Note: availability in app stores may fluctuate.
Final Thoughts
Passive income doesn’t have to be complicated. With the right apps, you can start building small streams of extra income right from your phone — often with very little effort. While these tools won’t make you wealthy overnight, they can absolutely support your broader financial goals.
Whether you’re investing spare change through Acorns, earning cashback with Rakuten, or simply scanning receipts via Fetch Rewards, consistency is key. Set it up, stay active, and let your phone do a little work for you.
If you’re looking to make the most of your passive income, it’s just as important to manage your money wisely. Be sure to check out our 5 simple budgeting tricks that actually work — they’re beginner-friendly and can help you stretch your earnings further.
Disclaimer: This content is for informational purposes only and does not constitute financial advice. Earnings vary by usage and location. Always read the terms of service of each app before signing up.