Best Free Money Apps: 17+ Tools To Make And Save You Money
The growth in financial apps and digital platforms has made managing money and taking control of your personal finances more readily available for the average person. As an example of that, this collection of some of the best free money apps below allow individuals to do just that with a touch of a phone or clicks of a mouse.
These apps and services provide users of all ages and demographics the opportunity to get cash back, make more money, save more money or have easier access to investing.
Each differs slightly and specific services might fit best for certain people. Personal finances are indeed person and there is no one size fits all solution.
SWAGBUCKS (FREE $5 WELCOME BONUS) – 9+ WAYS TO MAKE FREE MONEY ONLINE
Swagbucks is a great way to make a little extra money online. You earn rewards (or SBs) by: taking surveys, using the Swagbucks search engine, getting cash back on online purchases, watching videos, playing games, discovering deals and buying gift cards.
Is Swagbucks legit? Yes, they have an A rating on Better Business Bureau and have paid out over $270+ million their users. When you’re ready to cash out your SBs you can convert them to PayPal cash or gift cards to your favourite retailers like Amazon.
Sign up for Swagbucks today to earn a FREE bonus $5.
PINECONE RESEARCH – $3 PER SURVEY
PineCone Research is one of the most popular and rewarding survey websites that provides their users with $3 per survey completed. After you’re ready to cash out, your money will be sent directly via cash or to your PayPal account.
SURVEY JUNKIE – POPULAR, HIGHLY RATED
Survey Junkie is another one of the most popular and highest rated free paid survey websites. They do a great job of matching surveys to your interests and demographics based off the questions answered when you first set up your free account.
Sign up today for free and see why it’s one of the most used paid survey sites available.
INBOX DOLLARS – FREE $5 BONUS OFFER
Inbox Dollars is an American site that offers free cash rewards for watching TV, taking surveys, or making purchases online.
Their services are similar to Swagbucks but at a smaller scale. However, that doesn’t mean you wont have plenty of opportunity to make some extra money each and every day.
Best of all Inbox Dollars offers a free $5 welcome bonus offer once you register.
DAILY REWARDS – FREE $5 WELCOME BONUS
DailyRewards is the Canadian counterpart to Inbox Dollars mentioned above. You’ll be rewarded for watching TV, taking surveys, or making purchases online.
Their platform is continually growing and adding more ways for you to earn daily.
They offer a free $5 welcome bonus offer for signing up and your pay outs are made via cash or gift card.
EBATES (FREE $5 OR $10 WELCOME BONUS) – CASH BACK ON YOUR ONLINE PURCHASES
Earn FREE cash back with Ebates for the normal spending you would traditionally do online. All you do is register an account and click through the links on the Ebates website (or install the Browser Extension).
Ebates has affiliations with almost every major retailer (2,500+ stores and counting) including Amazon, eBay, Indigo, GroupOn, Expedia, etc. So the cash back opportunities on your normal shopping habits are endless. You aren’t spending any more money or doing anything different, just clicking through your Ebates account before shopping online.
When you’re ready to cash out you have 1 of 3 choices: a cheque, PayPal or Amazon gift card.
CHECKOUT 51 (FREE $5 WELCOME) – GROCERY & PHARMACY CASH BACK
Checkout 51 is another app to help you earn cash back rewards for grocery and household item purchases. They include a wide-range of product offerings all with a set cash back value and also release ongoing weekly promotions and one-off deals to help you push your earnings further.
Open the Checkout 51 app before you go to the store(s) to make note of any offers, purchase your items, upload a photo of the receipt into the app once you’re back home and let your cash back dollars build up. It’s that easy.
It takes less than a minute to upload your receipt and get that cash deposited into your account. Plus you can get $5 FREE when you use this link and upload 3 receipts.
Get the free app today and start getting cash back on your grocery purchases.
GREAT CANADIAN REBATES – GREAT OFFERS & CASH BACK
Great Canadian Rebates is another cashback site for those of us North of the border. They have relationships with over 500 merchants including all the big names you’d expect like Amazon, eBay, Expedia and so on.
Great Canadian Rebates has daily cash back boosters and special offers to give you the opportunity to earn even more cash back on your everyday online purchases.
One area that they really shine is with the bonuses they offer on credit cards. They have cash back rebates of $50 – $100 when you go through their page to register for a new credit card.
Sign up today and starting earn free cash back!
BEFRUGAL (FREE $10 WELCOME) – CASH BACK, COUPONS & DEALS
BeFrugal is another cash back platform to help you earn free money back on your online shopping purchases. Similar to Ebates, you get a % kicked back to you depending on the specific offer and amount you’re spending. To help make sure you don’t miss an offer, you can install the BeFrugal Browser Extension.
BeFrugal has relationships with over 5,000 retailers (almost twice as many as Ebates) plus thousands of other coupons and special promotions to help you earn and save. When you’re ready to cash out you can go with 1 of 3 options: check, PayPal or gift card to a major retailer.
Sign up today to get a FREE $10 welcome bonus and start earning cash back.
MYPOINTS (FREE $10 WELCOME) – 5+ WAYS TO MAKE AND SAVE MONEY
MyPoints is another popular and large scale digital rewards platform to help you make money from your phone.
Similar to the other services above, there are a number of ways to earn cash. MyPoints pays you to take surveys, watch videos, play games, shop online and read emails.
They have paid out over $236 million in gift cards to date.
You’ll earn a FREE $10 Amazon gift card after making your first online purchase at one of their 1,900+ retailers through their platform.
IBOTTA (FREE $10 WELCOME) – SAVE BIG ON YOUR SHOPPING
Ibotta is another popular cash back app that helps you make money on your grocery shopping. Their partner network of stores is extensive and they have new timely offers to keep you earning cash back.
They have paid out over $438 million to their members.
Get the Ibotta app with your free $10 welcome offer and start to make money from your phone today.
DOORDASH – A GREAT SIDE HUSTLE TO MAKE MONEY ON YOUR PHONE
DoorDash is a food delivery service that has partnered with local restaurants in over 300 cities across the U.S and Canada.
Through their app, you’ll be connected to those restaurants and their customers. Your role is to act as the middleman and deliver their order in a timely fashion.
It’s a flexible way to make money from your phone with quick, easy deliveries around your city on a schedule that fits best for you. It’s a free service and you can start earning in a short time frame after an initial registration and background check. Then you’ll be on your way and able to get paying Dashes.
Register for DoorDash today and start making more money.
PARIBUS – MONITORING YOUR PURCHASES TO GET YOU MONEY
Paribus is a free service that can save (make) you money by monitoring price changes on your recent purchases.
Most stores offer a price match within a specific time period should they drop the price of an item you bought. However, tracking and keeping up to date on that can be difficult. That’s where Paribus comes in.
To date they’ve helped members save over $15 million.
You can sign up today for free and let Paribus go to work for you on saving you money.
TRIM FINANCIAL APP – CUT BACK ON SERVICES
Trim helps you save money on your subscriptions, bills and recurring expenses. It’s like an automated savings assistant that reviews your services to identify cost-saving opportunities based on your ongoing bills and purchases.
Trim is a free tool and their users saved over $1 million in the last month.
Some examples of the free services it provides to help you save are:
- Subscription Analyzer
- Bill Negotiation
- Deal Finder
- Price Protection
Trim is free, secure and another service to add to your financial toolbelt to help you save money. Sign up today for free to review your own spending habits and subscriptions.
HONEY – COUPONS & CASH BACK
Honey is another great cash back rewards program that searches the internet for the best deals and coupons from their list of over 3,700 partner stores. In a matter of seconds you can track down the best offer at literally any online (or physical) store you might be shopping at.
Their user base has grown to over 9.4 million members and their Chrome Browser Extension has 107,000 5-star reviews.
Sign up for free to Honey today and start saving on your purchases.
EQ BANK SAVINGS PLUS ACCOUNT – 2.30% EVERYDAY HIGH INTEREST RATE
The EQ Bank Savings Plus Account helps Canadians save money faster at a 2.30% everyday high interest rate. Plus there are no fees, no minimum balance and safe, modern online banking practices. It’s the solution I use for my short-term savings and I’m a big fan of their service.
High interest savings accounts are the preferred place for where I store my emergency fund and short-term savings.
Sign up for an EQ Bank Savings Plus Account today and leave the old days of only earning 1.0% on your savings behind.
TANGERINE (UP TO $200 BONUS) – NO FEE CHEQUING ACCOUNT
For day-to-day banking needs the Tangerine No-Fee Daily Chequing account is the ideal solution for Canadians. As noted in the name, there are no-fees, you get free access to the 3,500+ Scotiabank ABMs around Canada and 50,000 ABMs globally, plus a ton of other services and protections you expect from a bank account in the present day.
Tangerine is currently offering a free bonus up to $200 when you open a chequing account.
QUESTRADE – CANADIAN LOW COST DIY INVESTING
Questrade is the online discount brokerage of choice for many Canadians, including myself, and is often voted or regarded by industry as the “best”.
From the fully digitized sign-up process, intuitive user-experience, and ease of use, Questrade is a great platform for DIY investors. In terms of the costs, there are no opening or closing fees on a TFSA or RRSP, no account holding fees, no withdrawal fees and best of all ETF purchasing is free, while ETF selling is $0.01 per share ($4.95 minimum – $9.95 max).
If you want to open a free Questrade account, use my QPass key 606106362419068 to unlock a free $25 – $250 cash bonus depending how much you deposit.
WEALTHSIMPLE – ROBO ADVISOR INVESTING
Wealthsimple remains and continues to grow as one of the largest and most preferred robo-advisors for investors looking to take a more hands-off approach.
An amazing user-experience and intuitive platform, quick set-up process, $0 account minimums, unlimited transactions and strong customer service make Wealthsimple a great choice.
Wealthsimple offers 3 portfolios based on your risk tolerance (conservative, balanced and growth) and an extensive account mix (TFSA, RRSP, RESP, RRIF, LIRA, Personal, Joint and Corporate) plus takes care of rebalancing your portfolio and dividend reinvestments.
Both Americans and Canadians have access to Wealthsimple. Sign up today to start building wealth with Wealthsimple and their leading investing platform.
ACORNS – AMERICAN ROUNDUP MICRO INVESTING
Acorns is a micro investing app that has helped over 3,000,000 Americans get started investing for their future. Their platform is a unique and powerful way to support building wealth.
How does Acorns work? Acorns provide their members 6 ways to grow:
- Recurring Investments
- One-Time Investments
- Found Money
- Acorns Later
Your investments are automatically diversified across 7,000 stocks and bonds thanks to Acorns Fractional Share Ownership of ETFs in your portfolio.
There are no minimum investment levels, no trading fees and your total costs will only be $1, $2 or $3 monthly depending on the membership their. The goal is to make investing for your future easier, non-intrusive and cost-friendly.
Get started with Acorns today in less than 5 minutes and leverage the power of compound interest.
MYLO – CANADIAN ROUNDUP MICRO INVESTING
Mylo is a micro-investing app that provides Canadians the opportunity to start investing with as small (or big) of contributions they’d like to make.
It’s the Canadian version of Acorns (the popular investing app for Americans above). Their platform allows you to roundup your purchases to the nearest dollar and automatically invest the difference.
They invest your account into the selected portfolio of ETFs that fit your risk tolerance and profile. The flat fee is $1 per month no matter the amount of money in your account.
Sign up today and start making every dollar count towards your retirement.
CONCLUSION: BEST FREE MONEY APPS TO MAKE MONEY, SAVE MONEY & INVEST
The services and digital platforms mentioned above are only a sample of the best free money apps available. New products are hitting the market every month to help everyday consumers take control of their personal finances.
Best of all apps and services like these are free, becoming more powerful and help automate your finances so you can focus on other areas of your life.
Use these apps to help manage your money and reach your financial goals.
Experiment with these and the other great apps available to find what best fits your personal finance preferences.
Which apps have helped you most with money? Are there any that you recommend to your friends and family? Is there an app or service you’d like to see made that isn’t currently offered?
Let me know in the comments below.
Here are some other posts to help you take control of your money and life:
- How To Make Money From Your Phone For Free: 35+ Apps & Easy Ways
- 89 Personal Finance Tips – Budget, Save, Make, Invest & Better Manage Your Money
- Best Paid Survey Sites For Americans And Canadians
- 15 Smart Money Moves You Can (Easily) Make This Month
- How To Make $1,000 Quick: 12+ Fast Ways To Earn Money When You Need It
- 35+ Rewarding Side Hustles That Almost Anyone Can Do To Earn More Money
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