{"id":17687,"date":"2023-08-18T05:06:48","date_gmt":"2023-08-18T05:06:48","guid":{"rendered":"https:\/\/www.wallstreetzen.com\/blog\/?p=17687"},"modified":"2026-05-21T08:22:17","modified_gmt":"2026-05-21T08:22:17","slug":"how-to-make-money-with-your-phone","status":"publish","type":"post","link":"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/","title":{"rendered":"How to Make Money With Your Phone [10 Best Ways to Make Money With Your Phone in 2026]"},"content":{"rendered":"\n<p>It&#8217;s scary how much time we spend staring at our smartphones. <\/p>\n\n\n\n<p>Get this: Most Americans are glued to these glowing devices <a href=\"https:\/\/www.statista.com\/statistics\/1045353\/mobile-device-daily-usage-time-in-the-us\/\" target=\"_blank\" rel=\"noopener nofollow\">for 4.5 hours per day<\/a>.<\/p>\n\n\n\n<p>For all that precious time texting or TikToking, have you earned a dime? Probably not \u2014 but that doesn&#8217;t mean you <em>can&#8217;t<\/em>&nbsp;turn your phone into a (totally legal) money-printing machine! <\/p>\n\n\n\n<p>No, you don&#8217;t need to become a glam Instagrammer or YouTube sensation to get paid daily through your phone. Find out how to make money on your phone with a few hot financial apps. If you\u2019re more of the \u201chow to make money with my phone without investment\u201d mindset, we\u2019ve got options for you, too. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.hnrwlbusokc\">Best Apps to Make Money With Your Phone in 2026<\/h2>\n\n\n\n<p>We\u2019ll offer up even more suggestions in the article, but here\u2019s an at-a-glance peek at our favorite apps for making money with your phone: <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"mtr-table mtr-thead-th\"><thead><tr><th data-mtr-content=\"App\" class=\"mtr-th-tag\"><div class=\"mtr-cell-content\">App<\/div><\/th><th data-mtr-content=\"What it\u2019s best for\" class=\"mtr-th-tag\"><div class=\"mtr-cell-content\">What it\u2019s best for<\/div><\/th><\/tr><\/thead><tbody><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">moomoo<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Investing in stocks + ETFs <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance\" target=\"_blank\" rel=\"noopener\">M1 Finance <\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Automated investing + high-yield cash account<\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Investing in real estate and private credit <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\">Arrived Homes <\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Investing in real estate <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Alternative investments <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/acorns\" target=\"_blank\" rel=\"noopener\">Acorns<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Saving small change <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/swagbucks\" target=\"_blank\" rel=\"noopener\">Swagbucks<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Surveys + more <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/rakuten\" target=\"_blank\" rel=\"noopener\">Rakuten<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Shopping rewards <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/rocket-money\" target=\"_blank\" rel=\"noopener\">Rocket Money<\/a><\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Finding money you forgot you were spending<\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">eBay<\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Selling your stuff <\/div><\/td><\/tr><tr><td data-mtr-content=\"App\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Upwork<\/div><\/td><td data-mtr-content=\"What it\u2019s best for\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\">Gig jobs <\/div><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-code-snippets-content\"><div class=\"disclaimer\">\r\n\t<p>Note: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.y1ddpk88njca\"><strong>10 Ways to Make Money With Your Phone<\/strong><\/h2>\n\n\n\n<p>Let\u2019s dig in. This list includes several ways to earn money from your phone, including options where you can get paid daily through your cell phone. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.ff82fhz8ounx\">1. Invest in Stocks and ETFs<\/h2>\n\n\n\n<p>As smartphones become a part of modern life, most brokerages offer convenient stock and ETF trading services on mobile apps. <\/p>\n\n\n\n<p>As an added bonus, many top-tier stock apps don&#8217;t charge pesky commission fees for your trades. You&#8217;ll also notice some of these apps have bonus features designed to help you make informed investing decisions.<\/p>\n\n\n\n<p>One of our favorite platforms? <a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\">moomoo<\/a>, a relative newcomer to the brokerage arena that has grown exponentially in recent years. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">moomoo<\/a>&nbsp;has wan extremely friendly user interface, so it&#8217;s easy to get started, and has a variety of features I like, including:<\/p>\n\n\n\n<ul>\n<li>Commission-free trading for stocks, ETFs, and options  <\/li>\n\n\n\n<li>Access real-time Level 2 Market Data for free<\/li>\n\n\n\n<li>Stay ahead of the curve with its Earnings Calendar and Earnings Hub<\/li>\n\n\n\n<li>And more like paper trading, institutional tracking, heat mapping, stock screening<\/li>\n<\/ul>\n\n\n\n<p>Plus, if you sign up with one of the links in this article, you could get this awesome promo:<\/p>\n\n\n<div class=\"wp-block-code-snippets-content\">Up to $1000 in NVDA shares with qualified deposit+ limited time 8.1% APY \r\n\r\n 1. 8.1% APY Cash Sweep: Enroll and activate to get 4.1% APY base rate + 4% APY booster for 3 months\r\n\r\nNVDA Promotion \r\n\r\n-Deposit $100 and get $20 NVDA shares\r\n-Deposit $2,000, and receive total $50 NVDA shares\r\n-Deposit $10,000 and receive total $300 NVDA shares\r\n-Deposit $50,000 and receive total $1000 NVDA shares<\/div>\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/etoro-10-1?SubAffiliateID=make-money-with-your-phone\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with moomoo*<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-code-snippets-content\"><div class=\"disclaimer\">\r\n\t<p>\r\nMoomoo is a financial information and trading app offered by Moomoo Technologies Inc. Securities are offered through Moomoo Financial Inc., Member FINRA\/SIPC. The creator is a paid influencer and is not affiliated with Moomoo Financial Inc. (MFI), Moomoo Technologies Inc. (MTI) or any other affiliate. The experiences of the influencer may not be representative of the experiences of other moomoo users. Any comments or opinions provided are their own and not necessarily the views of MFI, MTI or moomoo. Moomoo and its affiliates do not endorse any strategies that may be discussed or promoted herein and are not responsible for any services provided by the influencer. This advertisement is for informational and educational purposes only and is not investment advice or a recommendation of a security or to engage in any investment strategy. Investing involves risk and the potential to lose principal. Investment and financial decisions should be made based on your specific financial needs, objectives, goals, time horizon and risk tolerance. Any images shown are strictly for illustrative purposes. Past performance does not guarantee future results. U.S. residents trading in U.S. securities may trade commission-free using the moomoo app through Moomoo Financial Inc. (MFI). Please see our pricing page for other fees. Level 2 data is free to moomoo users that have an approved MFI brokerage account. Trading during Extended Hours Trading Sessions carries unique risks, such as greater price volatility, lower liquidity, wider bid\/ask spreads, and less market visibility, and may not be appropriate for all investors.\r\n\t\t<\/p>\r\n<\/div><\/div>\n\n\n<p>Regardless of your chosen stock trading app, it\u2019s important to remember that there are no guarantees with stock and ETF investing. <\/p>\n\n\n\n<p>However, tools like WallStreetZen&#8217;s Stock Screeners&nbsp;and Top Analyst stock picks can help you evaluate how investment-worth a stock is so you can build higher conviction in potential trades. Plus, did you know we have a <a href=\"https:\/\/www.wallstreetzen.com\/newsletter\" target=\"_blank\" rel=\"noopener\">FREE newsletter<\/a>?<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Try WallStreetZen<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.l5ckpaj9hnis\"><strong>2. Open a High-Yield Savings Account &nbsp;<\/strong><\/h2>\n\n\n\n<p>Want to know how to make money with your phone without taking crazy risks? Take a&nbsp;peek at high-yield savings accounts. <\/p>\n\n\n\n<p>What makes these accounts a \u201csafe\u201d option? Well, as the name implies, these accounts work the same as standard bank savings accounts \u2014 but with above-average interest rates.<\/p>\n\n\n\n<p>The &#8220;safety&#8221; aspect has to do with insurance protections like FDIC. Also, these accounts are super liquid, so you can deposit and withdraw anytime without paying penalties. <\/p>\n\n\n\n<p>Just keep in mind the yield offered on these apps fluctuates each month, so it may not always be the most attractive way to earn money from your phone. <\/p>\n\n\n\n<p>One of our top picks for high-yield savings? <a href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance-cash\" target=\"_blank\" rel=\"noopener\">M1 Finance<\/a>. Their high-yield cash account currently offers 4.25% APY \u2014 but you can get a 0.50% boost for a limited time <a href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance-cash\" target=\"_blank\" rel=\"noopener\">using this link<\/a>. That means you could be earning up to 4.75%! <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance-cash\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"1891\" height=\"1156\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/11\/Screenshot-2024-11-19-at-2.42.03\u202fPM.png\" alt=\"\" class=\"wp-image-27486\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/11\/Screenshot-2024-11-19-at-2.42.03\u202fPM.png 1891w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/11\/Screenshot-2024-11-19-at-2.42.03\u202fPM-768x469.png 768w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/11\/Screenshot-2024-11-19-at-2.42.03\u202fPM-1536x939.png 1536w\" sizes=\"(max-width: 1891px) 100vw, 1891px\" \/><\/a><\/figure><\/div>\n\n\n<p>As a bonus, M1 Finance offers other investment features, including stock trading, cryptocurrency, and retirement accounts. It\u2019s also loaded with automated features \u2014 perfect for investors who prefer a \u201cset and forget\u201d approach.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/m1-finance\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with M1 Finance <\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-code-snippets-content\">M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA \/ SIPC. M1is not a bank and M1 High-Yield Cash Accounts are\r\nnot a checking or savings account. The purpose of this account is earn interest on securities not actively invested. An open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.pjm8j2nhasdd\">3. <strong>Invest in Real Estate <\/strong><\/h2>\n\n\n\n<p>There&#8217;s no need to flip homes on Zillow to earn money from your phone in the real estate market. &nbsp;<\/p>\n\n\n\n<p>You don&#8217;t even need to list a property online to earn money from your phone with real estate. <\/p>\n\n\n\n<p>New real estate apps like <a href=\"http:\/\/wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\">Arrived Homes<\/a>&nbsp;and <a href=\"http:\/\/wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a>&nbsp;make it easy for non-accredited investors to put money to work in the property market. <\/p>\n\n\n\n<p>Both apps have accessible minimums \u2014 for instance, you can get started on Fundrise for an accessible starting point, which allows you to invest in assets including fractional real estate. <\/p>\n\n\n\n<p>Intrigued? To learn more about Fundrise and how it works, check out our ultra-informative article \u2014 <a href=\"https:\/\/www.wallstreetzen.com\/blog\/fundrise-review\/\" target=\"_blank\" rel=\"noopener\">Fundrise Review 2026 \u2014 Can You Really Make Money<\/a>?<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"http:\/\/wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image9-4.png\" alt=\"Image9\"\/><\/a><\/figure><\/div>\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"http:\/\/wallstreetzen.com\/go\/fundrise\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Fundrise<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Arrived Homes lets you invest in residential real estate rental properties for as low as $100. The platform&#8217;s pretty new, but Amazon&#8217;s Jeff Bezos is an investor, which definitely gives the app a bit of street cred. (For more info, check out our <a href=\"https:\/\/www.wallstreetzen.com\/blog\/arrived-homes-review\/\" target=\"_blank\" rel=\"noopener\">Arrived Homes review<\/a>.)<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"http:\/\/wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image10-2.png\" alt=\"Image10\"\/><\/a><\/figure><\/div>\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"http:\/\/wallstreetzen.com\/go\/arrived\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Arrived Homes<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Note: You&#8217;ll usually need to tie up funds in these investments for years before you regain access to your capital. Also, although real estate tends to be a high-performing investment, there&#8217;s never a guarantee your properties will appreciate. <\/em><\/p>\n\n\n    <div id=\"callout-box-block_e395da05d4a01ab6243e145625019dcc\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Not sure which app is right for you? Read more&#8230;<\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<ul>\n<li>Check out our <a href=\"https:\/\/www.wallstreetzen.com\/blog\/arrived-homes-review\/\" target=\"_blank\" rel=\"noopener\">Arrived Homes review<\/a><!-- wp:paragraph --><\/li>\n<li>Check out our <a href=\"https:\/\/www.wallstreetzen.com\/blog\/fundrise-review\/\" target=\"_blank\" rel=\"noopener\">Fundrise review<\/a>.<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><\/p>\n<\/div>\n    <\/div>\n\n\n<div class=\"wp-block-code-snippets-content\"><div class=\"disclaimer\">\r\n\t<p>Note: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.pjt3nvlhf928\"><strong>4. Invest in Alternative Assets <\/strong><\/h2>\n\n\n\n<p>When investors talk about alternative investments, they mean anything outside the vanilla world of paper assets like stocks and bonds. To give you a better idea of what we&#8217;re talking about, here are a few examples: <\/p>\n\n\n\n<ul>\n<li>Cryptocurrencies<\/li>\n\n\n\n<li>Fine art<\/li>\n\n\n\n<li>Movie memorabilia <\/li>\n\n\n\n<li>Private equity<\/li>\n\n\n\n<li>Private debt <\/li>\n\n\n\n<li>And more\u2026<\/li>\n<\/ul>\n\n\n\n<p>Although you won&#8217;t find many of these assets on standard brokerage apps, there are ways to make money with your phone in this alternative category. &nbsp;<\/p>\n\n\n\n<p>For instance, check out <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">the Public app<\/a>&nbsp;for a broad assortment of alt assets. With a Public account, you could pick up shares in CryptoPunk NFTs, Charizard Pok\u00e9mon cards, and Air Jordan shoes.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image2-12.png\" alt=\"Image2\"\/><\/a><\/figure><\/div>\n\n\n<p>Pretty wild, right? &nbsp;<\/p>\n\n\n\n<p>Just keep in mind alternative assets sometimes have different insurance protections or regulatory statuses than more traditional vehicles like stocks. Also, while alternative investments may offer tremendous upside versus benchmark indices, they might increase the volatility in your portfolio.<\/p>\n\n\n    <div id=\"callout-box-block_aa1fc3a9ca70367a7975d5959ccd853f\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Want to take a deeper dive into the world of alternative assets? Don\u2019t miss our post on the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-alternative-investments\/\" target=\"_blank\" rel=\"noopener\">best alternative investments<\/a>.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/public\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Public<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.y0s364n23f80\">5. Invest Your Spare Change <\/h2>\n\n\n\n<p>If you&#8217;re not ready to dive straight into investing, you can &#8220;drip&#8221; your funds into assets using your phone. <\/p>\n\n\n\n<p>For instance, the <a href=\"https:\/\/www.wallstreetzen.com\/go\/acorns\" target=\"_blank\" rel=\"noopener\">Acorns app<\/a>&nbsp;has a famous &#8220;Round-Ups&#8221; feature that invests a tiny sliver of your daily expenses into your long-term savings. <\/p>\n\n\n\n<p>To use &#8220;Round-Ups,&#8221; link your credit and debit cards to an Acorns account, and it&#8217;ll automatically bump up each purchase to the nearest buck. The extra change goes straight into your Acorns &#8220;piggy bank.&#8221; <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/acorns\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image13-1.png\" alt=\"Image13\"\/><\/a><\/figure><\/div>\n\n\n<p>According to Acorns, most people who use this method save $150&nbsp;within their first three months. Sure, this won&#8217;t make you a millionaire, but it&#8217;s a painless way to make money with your phone. <\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/acorns\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Acorns&nbsp;<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.p2ehnoa931w\"><strong>6. Earn Cash Back <\/strong><\/h2>\n\n\n\n<p>Earlier, I promised I\u2019d share options for the &#8220;how to make money with my phone without investment&#8221; population out there.<\/p>\n\n\n\n<p>Here&#8217;s a quick and easy suggestion: Download a cash-back app that pays you to shop.<\/p>\n\n\n\n<p>Turns out, some apps reward you with small amounts of cash for making online or in-store purchases.<\/p>\n\n\n\n<p>For instance, the <a href=\"http:\/\/wallstreetzen.com\/go\/fetch\" target=\"_blank\" rel=\"noopener\">Fetch app<\/a>&nbsp;rewards you with points every time you scan a receipt.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"http:\/\/wallstreetzen.com\/go\/fetch\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image12-2.png\" alt=\"Image12\"\/><\/a><\/figure><\/div>\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"http:\/\/wallstreetzen.com\/go\/fetch\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Fetch<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Rakuten is another cash-back app that you could use to shop on sites like Target, Walmart, and Best Buy for rewards. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"http:\/\/wallstreetzen.com\/go\/rakuten-coupons-rebates\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image4-11.png\" alt=\"Image4\"\/><\/a><\/figure><\/div>\n\n\n<p>Just remember the point of these apps is to get a little money back on things you&#8217;d already buy \u2014 so don&#8217;t think you&#8217;re saving a bundle on an unnecessary shopping spree! <\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"http:\/\/wallstreetzen.com\/go\/rakuten-coupons-rebates\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Rakuten<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.1k6w8g3nbgea\"><strong>7. Take Surveys <\/strong><\/h2>\n\n\n\n<p>Still not satisfied with our response to &#8220;how to make money with my phone without investment?&#8221; OK, what about squeezing some e-surveys into your spare time? <\/p>\n\n\n\n<p>Yes, you can make money on your phone by sharing your opinions. Admittedly, the amount you earn on survey apps isn&#8217;t monumental, but it might get you some groceries or gas. &nbsp;<\/p>\n\n\n\n<p>For instance, <a href=\"https:\/\/www.wallstreetzen.com\/go\/swagbucks\" target=\"_blank\" rel=\"noopener\">Swagbucks<\/a>&nbsp;is considered a reputable name in the &#8220;get-paid-to&#8221; app niche. In addition to surveys, the site often offers ways to earn rewards from referrals, watching videos, and playing games. <\/p>\n\n\n\n<p>As long as you sign up for these apps with the expectation of making pocket change, it\u2019s a cool and easy way to earn side cash. <\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/swagbucks\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Get started with Swagbucks<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.go6ojupy0ro1\">8. Sell Your Stuff <\/h2>\n\n\n\n<p>Even if you don&#8217;t feel your home is cluttered, chances are there&#8217;s some stuff lying around you could part with for money. <\/p>\n\n\n\n<p>While you could use desktop websites to sell items, there are also ways to make money with your phone by listing stuff. <\/p>\n\n\n\n<p>For instance, the auction site <a href=\"https:\/\/pages.ebay.com\/mobile-app\/\" target=\"_blank\" rel=\"noopener\">eBay<\/a>&nbsp;has a highly-rated app for iOS and Android devices. This app lets you easily upload images, set prices, and monitor your eBay sales on your phone. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image5-11.png\" alt=\"Image5\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/poshmark.com\/\" target=\"_blank\" rel=\"noopener\">Poshmark<\/a>&nbsp;is another popular mobile app in the &#8220;sell your stuff online&#8221; category. Like eBay, you can snap a photo of whatever you want to sell and list it on Poshmark&#8217;s social platform. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image8-6.png\" alt=\"Image8\"\/><\/figure><\/div>\n\n\n<p>Just be sure to factor in extra platform fees and shipping costs when estimating how much you&#8217;ll earn on these sites. Also, remember that you might have to deal with not-so-fun customer complaints and returns. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.r5yjftq6khwf\">9. Find Money You Didn&#8217;t Know You Were Spending <\/h2>\n\n\n\n<p>Here&#8217;s the easiest &#8220;extra cash&#8221; play on this list \u2014 and it&#8217;s not technically a side hustle.<\/p>\n\n\n\n<p>Most people are paying for at least one subscription right now they completely forgot about. A free trial that quietly converted. A streaming service nobody&#8217;s logged into in months. A monthly fee buried in the fine print of something you signed up for two phones ago. Cut those, and that&#8217;s monthly money back in your pocket without any extra work.<\/p>\n\n\n\n<p>That&#8217;s where <a href=\"https:\/\/www.wallstreetzen.com\/go\/rocket-money\" target=\"_blank\" rel=\"noopener\">Rocket Money<\/a> earns its place on this list. Link your bank and credit card accounts, and the app pulls every recurring charge into one view \u2014 so the streaming service you signed up for during a trial three months ago and forgot to cancel finally has a name.<\/p>\n\n\n\n<p>Free users can see and track every subscription Rocket Money detects. Premium users can ask Rocket Money&#8217;s team to submit cancellation requests on their behalf, with most cancellations processing in 2\u201310 days. Worth knowing: not every subscription can be canceled this way (some merchants require you to cancel directly), and gym memberships and dating apps generally aren&#8217;t supported.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1184\" height=\"892\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2026\/05\/Rocket-Money-2026-1.png\" alt=\"\" class=\"wp-image-36606\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2026\/05\/Rocket-Money-2026-1.png 1184w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2026\/05\/Rocket-Money-2026-1-768x579.png 768w\" sizes=\"(max-width: 1184px) 100vw, 1184px\" \/><\/figure><\/div>\n\n\n<p>Rocket Money also negotiates phone, cable, and electric bills on your behalf \u2014 and this part is available to free users too. They take a success fee of 35%\u201360% of the first year&#8217;s savings (you choose where you&#8217;re comfortable in that range). If they don&#8217;t save you money, you pay nothing.<\/p>\n\n\n\n<p>The app uses Plaid for view-only access to your accounts and bank-level encryption for data storage, so your login credentials never sit on Rocket Money&#8217;s servers.<\/p>\n\n\n\n<p>Rocket Money is free to download. Premium runs $7\u2013$14 per month on a &#8220;pay what you think is fair&#8221; model, with a 7-day free trial included.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/rocket-money\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\">Try Rocket Money free \u2192<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.ermtz7453h1p\">10. Gig Apps <\/h2>\n\n\n\n<p>Almost 40%&nbsp;of Americans already have a side hustle, which makes gig apps one of the most popular ways to get paid daily through your cell phone. <\/p>\n\n\n\n<p>While &#8220;independent contractor&#8221; work won&#8217;t give you benefits like health insurance, it gives you the flexibility to set your schedule. Plus, there&#8217;s a wide variety of jobs to choose from, so you&#8217;re bound to find a non-boring way to bring in extra bucks. <\/p>\n\n\n\n<p>For instance, you could search for freelance gigs for everything from coding to cooking on apps like <a href=\"https:\/\/www.upwork.com\/\" target=\"_blank\" rel=\"noopener\">Upwork<\/a>&nbsp;or <a href=\"https:\/\/www.fiverr.com\/\" target=\"_blank\" rel=\"noopener\">Fiverr<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image6-11.png\" alt=\"Image6\"\/><\/figure><\/div>\n\n\n<p>Don&#8217;t mind driving food or french fries (or both) in your car? Consider joining the rideshare fleet with apps like <a href=\"https:\/\/www.uber.com\/\" target=\"_blank\" rel=\"noopener\">Uber<\/a>, <a href=\"https:\/\/www.ubereats.com\/\" target=\"_blank\" rel=\"noopener\">Uber Eats<\/a>, or <a href=\"https:\/\/www.lyft.com\/\" target=\"_blank\" rel=\"noopener\">Lyft<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/image11-2.png\" alt=\"Image11\"\/><\/figure><\/div>\n\n\n<p>You could also earn money on your phone delivering groceries with <a href=\"https:\/\/www.instacart.com\/store\" target=\"_blank\" rel=\"noopener\">Instacart<\/a>, working on DIY projects with <a href=\"https:\/\/www.taskrabbit.com\/\" target=\"_blank\" rel=\"noopener\">Taskrabbit<\/a>, or transporting packages with <a href=\"https:\/\/flex.amazon.com\/download-app\" target=\"_blank\" rel=\"noopener\">Amazon Flex<\/a>. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.v7073tswoiq4\"><strong>Final Word: <\/strong><\/h2>\n\n\n\n<p>If you have a phone, you have ways to earn side cash, save on expenses, and invest in your future. However, to maximize your long-term gains, you need to &#8220;invest&#8221; in your financial education.<\/p>\n\n\n\n<p>WallStreetZen can help you understand what makes Wall Street tick with detailed top analyst ratings and our proprietary Zen Rating. With a <a href=\"https:\/\/www.wallstreetzen.com\/\" target=\"_blank\" rel=\"noopener\">WallStreetZen account<\/a>, you can assess the risks of countless investments and make confident moves in the stock market. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\t\t<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t\t<h2>FAQs:<\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>How can I earn money with my phone?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>There are many ways to make money on your phone, including gig work, surveys, and cash-back apps. You could also invest on your phone with brokerage apps.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>How can I make money on my phone without spending money?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Most survey apps offer small cash incentives for users who watch videos, play games, or share opinions. You also don't need to spend money to join many gig work apps like Uber or Lyft. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>How can I make money with my iPhone?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Your phone's app store has hundreds of gig work, survey, and cash-back apps. You can also download financial health apps like Rocket Money to find forgotten subscriptions, brokerage apps like moomoo to invest, or auction apps like eBay to sell what you no longer need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What phone apps can make you a lot of money?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>If you pick a profitable stock, ETF, or cryptocurrency, you could make a lot of money with a brokerage app. Also, if you establish a big following on a gig work app, you might pull in a steady stream of cash from a side hustle. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s scary how much time we spend staring at our smartphones. Get this: Most Americans are glued to these glowing devices for 4.5 hours per day. For all that precious time texting or TikToking, have you earned a dime? Probably not \u2014 but that doesn&#8217;t mean you can&#8217;t&nbsp;turn your phone into a (totally legal) money-printing [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":17703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[23,34],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Make Money With Your Phone in 2026<\/title>\n<meta name=\"description\" content=\"Learn how to make money with your phone without any investment. Discover various methods such as taking online surveys, participating in microtasks, freelance work, or starting a mobile-based business. 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Start earning money using just your phone today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/\" \/>\n<meta property=\"og:site_name\" content=\"WallStreetZen\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-18T05:06:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-21T08:22:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/08\/make-money-with-your-phone-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1511\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eric Esposito\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:site\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Esposito\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\/\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": \"Article\",\n\t            \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/#article\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/\"\n\t            },\n\t            \"author\": {\n\t                \"name\": \"Eric Esposito\",\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#\/schema\/person\/525aee79446b38dc2c98d7b81c3bc4f5\"\n\t            },\n\t            \"headline\": \"How to Make Money With Your Phone [10 Best Ways to Make Money With Your Phone in 2026]\",\n\t            \"datePublished\": \"2023-08-18T05:06:48+00:00\",\n\t            \"dateModified\": \"2026-05-21T08:22:17+00:00\",\n\t            \"mainEntityOfPage\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/\"\n\t            },\n\t            \"wordCount\": 2130,\n\t            \"publisher\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#organization\"\n\t            },\n\t            \"articleSection\": [\n\t                \"Alternative investments\",\n\t                \"Investment strategies\"\n\t            ],\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"WebPage\",\n\t            \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/\",\n\t            \"url\": \"https:\/\/www.wallstreetzen.com\/blog\/how-to-make-money-with-your-phone\/\",\n\t            \"name\": \"How to Make Money With Your Phone in 2026\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#website\"\n\t            },\n\t            \"datePublished\": \"2023-08-18T05:06:48+00:00\",\n\t            \"dateModified\": \"2026-05-21T08:22:17+00:00\",\n\t            \"description\": \"Learn how to make money with your phone without any investment. 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