By Farheen Jameel 
- Why Use Money-Making Apps Without Investment
- Swagbucks Live – Daily Trivia for Real Cash
- CashKarma – Earn from Surveys & Daily Rewards
- Sweatcoin – Make Passive Income Just by Walking
- Are These Apps Legit and Safe?
- Daily Earnings Comparison Table
- How to Maximize Your Daily Income
- Final Thoughts
Looking for money-making apps without investment? In 2025, it’s easier than ever to earn from your phone — with no credit cards, no upfront fees, and no hidden subscriptions.
These apps are ideal for:
- Students
- Stay-at-home parents
- Part-timers
- Anyone looking for a simple side income
You don’t need skills or experience — just consistency and your smartphone.
Platform: Android, iOS
Payout: PayPal, Amazon, Walmart, more
Minimum Payout: $5
Swagbucks Live is one of the most engaging money-making apps without investment. It lets you earn by answering live trivia questions — even if you don’t win, you still earn SB points, which you can cash out.
- Install and sign in via your Swagbucks account
- Join live trivia shows (usually held daily)
- Earn SB points for correct answers or even for playing
- Redeem for PayPal cash or gift cards
$1–$5 depending on participation and bonuses
- 100% free
- Play & earn daily
- Fun for quiz lovers
- No investment or experience needed
Platform: Android, iOS
Payout: PayPal, Amazon, Google Play
Minimum Payout: $10
CashKarma is one of the top-rated money-making apps without investment in 2025. It rewards you for completing surveys, watching videos, checking in daily, and referring friends.
- Download the app
- Fill out your profile
- Take surveys and complete simple offers
- Earn Karma Points
- Redeem for PayPal or gift cards
$1–$7/day depending on time spent
- Low effort
- Fast interface
- Points for just logging in
- No payment info needed
Platform: Android, iOS
Payout: PayPal (via offers), Crypto (SWEAT), Gift Cards
Minimum Payout: Depends on reward ($5–$25)
Sweatcoin is a health-focused money-making app without investment that pays you for walking. Your steps convert into “Sweatcoins,” which you can redeem for real-world rewards or even cryptocurrency.
- Install and set up tracking
- Walk daily
- Earn 1 Sweatcoin per ~1,000 steps
- Redeem for cash or crypto
$0.50–$3/day based on activity level
- 100% passive income
- Crypto rewards
- Promotes healthier habits
- Great for daily walkers
✅ Yes, all three apps:
- Are rated 4.0+ stars on app stores
- Have millions of downloads
- Pay via verified methods (PayPal, gift cards, crypto)
- Do not ask for credit card details or hidden payments
🛑 Still, follow these precautions:
- Don’t use fake info
- Stick to one account per device
- Review their privacy settings
| App | Task Type | Daily Income | Investment Required |
|---|---|---|---|
| Swagbucks Live | Trivia/Quiz Games | $1–$5 | ❌ No |
| CashKarma | Surveys & Offers | $1–$7 | ❌ No |
| Sweatcoin | Walking (Passive) | $0.50–$3 | ❌ No |
Want to get the most out of these money-making apps without investment? Here’s how:
- Play Swagbucks Live at night
- Complete CashKarma surveys during free time
- Let Sweatcoin track steps in the background
Never miss bonus events or trivia shows.
Each app rewards referrals. CashKarma and Sweatcoin often double earnings via invites.
These aren’t get-rich apps. But consistent use = solid monthly income.