Passive income is one of the most searched topics in the United States, and today it’s easier than ever thanks to powerful mobile finance apps. Whether you want to invest, automate your savings, earn cashback, or build long-term wealth, 2025 offers incredible tools.
This guide reveals the best finance apps to earn passive income in 2025, especially for users in the U.S., Canada, UK, and Australia — markets known for very high CPC.
If you’re also looking for AI-based income ideas, check this article:
👉 https://nexuora.com/best-ai-side-hustles-2025-2/
Robinhood remains one of the most popular investing apps in the U.S.
Why It’s Great for Passive Income
-
Zero-commission trading
-
Fractional shares
-
Dividend investing made easy (monthly / quarterly payouts)
-
Automated recurring investments
Who Should Use It
Beginners who want a simple, automated investing experience.
2. Acorns – Best for Automated Savings & Micro-Investing
Acorns turns your spare change into long-term passive income.
Key Features
-
Automatic round-ups
-
ETF portfolios managed for you
-
Retirement accounts (Acorns Later)
-
Earn cashback from big brands
Passive Income Score: HIGH
You earn money without doing anything — full automation.
3. Coinbase – Best for Crypto Passive Income (U.S. Compliant)
Crypto remains a powerful passive income tool when used safely.
Why Coinbase Stands Out
-
Earn staking rewards
-
Earn crypto by watching tutorials (“Coinbase Earn”)
-
Supports U.S.-regulated assets
-
Very secure
Staking Rewards Include
-
Ethereum
-
Solana
-
Cardano
-
Avalanche
🔥 Many Americans use crypto staking as a monthly income booster.
4. Honeygain – Easy Passive Income Using Wi-Fi Sharing
Honeygain pays you just for keeping the app running.
How It Works
You share unused internet bandwidth (fully secure), and get paid.
Earnings
-
$20–$50/month passive
-
Higher if multiple devices
Best For
People who want effortless passive income with zero skills.
5. Rakuten – Best Cashback App in the U.S.
Rakuten is one of the highest-paying cashback platforms in America.
What Makes It Great
-
Up to 40% cashback
-
Works on Amazon, Walmart, Macy’s, BestBuy
-
Pays quarterly real cash
-
Browser extension + mobile app
🔥 This is passive income from your everyday shopping — a must-have.
6. M1 Finance – Best Long-Term Passive Investing App
M1 Finance combines automation + smart investing.
Key Benefits
-
Automated portfolio rebalancing
-
Smart dividend reinvesting
-
Roth IRA, Traditional IRA
-
Customizable investment “pies”
If your goal is serious long-term passive income, this app is ideal.
7. Ibotta – Receive Cash Automatically
Ibotta gives you cash for everyday grocery shopping.
Why It’s a Top Passive Income App
-
Cashback auto-applied
-
Grocery, gas, travel, restaurants
-
Works everywhere in the U.S.
This app is used by over 50M Americans to earn free passive money.
8. Cash App – Simple Investing + Bitcoin Rewards
Cash App is not just for sending money — it’s a hidden passive income tool.
Why It’s Included
-
Earn Bitcoin back when buying from partner stores
-
Buy fractional shares
-
Activate weekly “Boosts” for free cashback
Perfect for beginners who want investing + rewards in one place.
9. SoFi – Best All-In-One Finance App
SoFi offers multiple ways to earn.
You Can Earn Through:
-
Investment portfolios
-
High-yield savings accounts
-
Cashback credit cards
-
Automated investing
Why It’s Powerful
All your money grows in one ecosystem.
10. Webull – Best for Crypto + Stocks + Passive Strategies
Webull is a strong competitor to Robinhood but with more tools.
Why It’s Great
-
Fractional shares
-
Crypto trading
-
Technical indicators
-
Advanced investing strategies
Good for users who want dividends + smart trades + growth.
Bonus: Best AI Apps That Boost Passive Income
Here are AI apps that automate money-making tasks:
Here are AI apps that automate money-making tasks:
1. ChatGPT AI Automation
For content creation, SEO, emails, client work.
(Full guide here: https://nexuora.com/best-ai-side-hustles-2025-2/)
2. Canva AI
Automates social media content.
3. Jasper AI
Automates long-form blog creation.
4. KoalaWriter
Automates SEO blogging for AdSense income.
(Perfect for niche sites like yours.)
How Much Can You Earn Monthly? (Realistic U.S. Estimates)
| App Type | Passive Earnings (Monthly) |
|---|---|
| Investing apps | $20–$500+ |
| Cashback apps | $30–$200 |
| Staking crypto | $10–$150 |
| Automation apps | $50–$300 |
| Wi-fi sharing apps | $20–$50 |
🔥 If you combine 5–8 apps, you can easily reach $400–$1,200/month.
Best Apps for Students in the U.S.
-
Acorns
-
Ibotta
-
Rakuten
-
Cash App
-
Robinhood
These require zero skills and very little money.
Best Apps for Beginners
-
Acorns
-
Honeygain
-
Rakuten
-
SoFi
Best Apps for Long-Term Passive Income
-
M1 Finance
-
Robinhood
-
SoFi
-
Coinbase (staking)
-
In 2025, passive income is more accessible than ever thanks to modern finance apps. If you live in the USA, Canada, UK or Australia, these tools can help you build real wealth with minimal effort.
To explore other methods of making money online, check:
→ Best AI Side Hustles 2025
https://nexuora.com/best-ai-side-hustles-2025-2/→ High Paying Online Jobs 2025
https://nexuora.com/best-high-paying-online-jobs-2025/→ How to Make Money Online with AI
https://nexuora.com/gagner-argent-en-ligne-ia-2025/
Ahmada Ndao est entrepreneur digital et consultant en intelligence artificielle, fondateur de SenAI2S.
À travers Nexuora, il partage des analyses, guides pratiques et stratégies sur l’IA, le business en ligne et les technologies émergentes, avec un focus sur l’impact réel et les opportunités globales.
