One of the biggest things that parents must decide after having children is if both parents are going back to work, or if one is going to stay home with the kids.
Sometimes, it’s a really tough decision, especially if you have lots of unpaid bills and growing monthly expenses.
One way that you can help bring in some extra cash is to add money-making apps to your phone.
But, with so many apps out there it’s hard to know which ones are worth your time.
After much review and research, the apps below are the best rated for stay-at-home moms or dads to make money.
Best Money-Making Apps
1) The Money App
The Money App is a market research app that earns you rewards for completing tasks, which include offering opinions, playing games, checking store displays, mystery shopping, testing services, and participating in free trials.
To begin, you open an account and start completing tasks to accumulate rewards, which you can, in turn, redeem for cash using a PayPal account.
So, this would be a great app to use in between chores at home, in the grocery store checkout line, or waiting in the carpool line at your kid’s school
The beauty of this app is that you can get paid within two to three working days of redeeming rewards.
2) SwagBucks App
For Swagbucks, you make money as soon as you sign up (available for iOS and Android) with a $10 sign-up bonus.
This market research app allows you to accrue points by taking surveys, shopping online, or playing games.
All things you can do as you wait in line or have some downtime on your commute. You can also earn points by watching videos.
Overall, Swagbucks is one of the highest-rated apps to use on your smartphone to make money. Here are a few ways to make money on Swagbucks:
- Complete surveys and polls
- Make Swagbucks your default search engine
- Download specific apps and games to your phone
- Shop online and earn cash back
- Use your referral code
- Earn points by finding Swag codes
- Complete their list of daily tasks
- Enter Swagstates competitions
- Play certain games on mobile
- Sign up to free trial services
- Watch videos on Swagbucks Watch
3) Rakuten App
Rakuten is a top money-making app for cashback, offering deals across numerous retailers along with inviting sign-up and referral incentives.
Although you have to spend money to make money, the app lets you get a little cash back for purchases you’d be making anyway.
Users receive payment through PayPal or a check every three months. To qualify for a payout, you must accrue at least $5 in cashback.
This app is super easy to use. And, most of my friends also use this app to make a little extra spending money.
4) Uber App
With the Uber App you can earn money at your convenience by driving and delivering when you want to, and cash out on earnings up to five times per day.
Uber offers users two ways to earn, immediate payouts, and a streamlined app for accepting new work, making it the best money-making app for car owners.
As an Uber driver, you can choose to either accept ride requests from passengers or deliver food through Uber Eats, all through the same app.
I realize this is not exactly a work-from-home app, BUT, if you can get your significant other to watch the kids for a few hours in the evenings or on the weekend, you could easily deliver food to a few customers that live nearby.
5) Foap App
Foap is a money-making app for both professional and amateur photographers to make extra cash selling photos (and some videos) taken from their smartphones.
And, it’s a crowdsourcing platform for brands and marketing agencies to purchase images from Foap’s account of more than two million photographers around the globe.
To begin, you register an account, upload your photos with tags, and the photos get rated by the registered community.
For each sale, you earn $5, and you can earn up to $100 per sale.
You get paid via PayPal once you reach $20 in your account.
I have this app and have submitted a few photos. However, I haven’t had any sales yet so I’ll keep you updated as I have more time to submit my work.
6) Trim App
Trim is a money-saving app that helps you drop unwanted subscriptions and negotiate your bills, so you can keep more money in your pocket.
The app connects to your bank and analyzes your spending habits to find subscriptions you no longer use and negotiate bills on your behalf to get you a lower monthly rate.
Trim also offers a cash-back program for online shopping, so you can earn money while you save money.
And, Trim acts as a Personal Assistant to your finances, looking for ways to help you save money (that’s amazing!). By linking your bank to the app, it examines your expenses and helps you save money. Working hard and making sure they save you money, Trim earns 25% of the money they help you save.
I absolutely plan to download this app for my phone. I’m pretty sure I have some completely forgotten monthly subscriptions I could drop to help save me money.
Again, I’ll update and let you know how this app works out.
7) Ibotta App
Ibotta (available on iOS and Android) is a money-making app that gives you cash back on everyday purchases, such as groceries, clothing, and gas.
To start earning money, you add offers to your Ibotta account before going shopping.
Then, take a photo of your receipt through the app and get money deposited into your Ibotta account within 48 hours. Wahoo!
Unlike other money-making apps, Ibotta is well-known worldwide because of its cuts across grocery brands. And, they have associate programs that grant members access to invite friends and make extra cash for themselves.
This app is a win-win since you have to buy gas and groceries anyway. You might as well do it through this app and make a little dough along the way!
8) Acorns App
Acorns is a money-saving app that helps you invest your spare change from everyday purchases into a diversified portfolio of stocks and bonds.
The app rounds up your purchases to the nearest dollar and invests the difference on your behalf.
You can start with as little as $5, and there are no fees for withdrawals.
For their low monthly fee, you get:
- Diversified portfolios
- Automatic rebalancing
- Access to Acorns Earn partners to earn while you shop
- On-the-go accessibility through our mobile and web app
- Investment support from our dedicated support team
- Access to Acorns Later, an easy way to save for retirement
- Access to Acorns Checking, the only debit card that saves, invests and earns for you
This is a great app if you wish to save for the future by making investments for when you retire.
9) Dosh App
Dosh is a money-making app that gives you cash back when you shop at participating retailers, book hotels, or dine out at restaurants.
To start earning money, link your credit or debit card to the app and start shopping.
You’ll automatically get cash back deposited into your Dosh account when you make a qualifying purchase.
And, one of the standout features of this cash-back app is that rewards are automatically earned when you’re shopping in-store. Unlike other apps, you won’t need to upload a receipt. Adding this app to your personal finance routine is an easy way to earn extra cash for free.
Also, your reward can be cashed out through PayPal or direct deposit once the amount reaches $25.
10) InboxDollars App
InboxDollars (available on iOS and Android) is a money-making app that allows you to earn cash for completing tasks like taking surveys, watching videos, shopping online, and more.
They will also pay you for answering simple surveys and skimming and opening emails.
To start earning money, create an account and complete a few tasks.
You can then cash out your earnings to PayPal once you reach $30 in your account.
Additionally, InboxDollars operates on the cash system, so there’s no need to worry about just being rewarded with gift cards.
11) Mistplay App
Mistplay is a money-making app that allows you to earn rewards by playing games on your Android smartphone.
To start earning money, download games from the app and start playing.
Mistplay is an app that grants users access to a variety of different games. Mistplay isn’t a game itself, but rather a vehicle for players to find new games, as well as get paid to play them.
And, you’re required to submit a summary of your opinion on the game that you play. The summary includes responding to some questions about the experience you had while playing the game. You must complete this summary to earn points.
You’ll then earn points that can be redeemed for gift cards or PayPal cashouts.
12) Fluid Market App
Fluid Market is a sharing economy app that allows you to rent out your cargo van, box truck, pickup truck, car, and/or SUV by the hour, day or week.
Additionally, you can rent out your tools, such as drills, saws, and hedge trimmers, as well as items that fall into the “Other” category. These may include a number of miscellaneous things.
According to the company’s website, you can make up to $24,000 per year by renting your vehicle on Fluid.
Their website states, “Fluid Market is a community sharing app that allows people to easily and securely list, discover, and rent items to and from one another. Launched in February 2018, Fluid Market’s truck sharing marketplace provides a seamless and on-demand truck and utility vehicle rental experience to its peer-to-peer network.”
I haven’t tried this app yet, so let me know in the comments if you have any experience with Fluid Market.
13) Bookscouter App
The Bookscouter app allows you to earn money by selling your new and old books.
Once you download the app, it’s easy to register using your email or social media accounts.
Then, start scanning book barcodes (using your phone’s camera) and see a list of buyback prices from book-buyers, with the highest buyer at the top.
Also, you can use this app to sell your books on
You can get paid via PayPal, check, or direct deposit.
Summary: 13 Best Money-Making Apps to Download Today
As we have seen, your smartphone offers a lot more than just opportunities to take photos and check your social media.
With the right planning and apps, you can make extra income with your phone doing things you enjoy!
In summary, here are the top 13 money-making apps:
- Money App
- Uber App
- Fluid Market
Concluding Thoughts on the 13 Best Money-Making Apps for Stay-at-Home-Moms to Download Today
There is a multitude of money-making apps available for download today.
And, lots of these are perfect for any stay-at-home parent to help bring in some extra cash.
Whether you want to make money by taking surveys, playing games, testing services, or renting out your car, there’s an app for that!
Now that you know about some of the best money-making apps to download today, what are you waiting for?
Start earning money today!