Ever feel like you’re spinning your wheels when it comes to growing your money? Good news: you don’t have to be an investing expert or save thousands to start building wealth. Today, clever apps do the heavy lifting by automatically investing your spare change, offering rewards, and paying you to develop better financial habits. I’ve explored the best apps that pay you to invest your spare change, and I’m excited to share my top picks—plus tips to maximize your returns with minimal effort.
Why Invest Your Spare Change? Automated Wealth Building Explained
So, why bother investing spare change? It’s simple: micro-investing makes it easy to start with whatever you have, turning everyday purchases and loose coins into a growing portfolio. These apps not only initiate automatic investment but can also pay you through bonuses, rewards, or cashback for your activity. Whether you’re a beginner or simply too busy for manual investing, this approach can jump-start your savings without pinching your lifestyle.
Top Spare Change Investment Apps You’ll Love
Ready to discover the best apps that pay you to invest your spare change? Here are my favorites, each offering unique perks, automation, and opportunities to earn extra cash.
Acorns: Acorns is the original round-up investing app. Link your debit or credit card, and every purchase is rounded up—investing the difference for you. Acorns even pays you to shop with hundreds of partner brands via "Found Money" rewards, boosting your investments. The app’s simple interface is perfect for beginners! If you’re just getting started, you really can’t go wrong with Acorns.
M1 Finance: M1 Finance automates investing using customizable portfolios called “pies.” While it doesn’t offer round-ups, spare change from deposits can be invested, and you earn paid rewards by using their integrated debit card or digital wallet. Automated management makes it great for hands-off investors.
Robinhood: Robinhood is a commission-free investing app offering stocks, ETFs, options, and crypto. While it doesn’t focus on round-ups, any amount you deposit can be invested with zero fees. They regularly run promotions that pay you with free stocks just for signing up, referring friends, or funding your account.
Coinbase: Want to dip your toes into crypto investing? Coinbase lets you invest small amounts easily—and pays you to learn about different cryptocurrencies. Their “Earn” section rewards you in crypto for watching educational videos, making spare change work doubly hard for you!
Apps That Reward You for Saving and Investing
Some platforms don’t just invest; they pay out rewards and bonuses for spending, saving, or completing easy tasks. Here are several to supercharge your spare change strategy:
Swagbucks: Earn money by taking surveys, shopping online, watching videos, and more. While it’s not an investing app per se, you can convert rewards into PayPal cash or gift cards, then invest your spare earnings in stocks, crypto, or even real estate. Swagbucks complements classic investing apps perfectly.
Rakuten: Rakuten gives you cash back for online shopping at thousands of stores. Use your earned rewards to seed your investment accounts. Their browser extension and mobile app make collecting rewards a breeze—and who says you can’t invest cash back as spare change?
Survey Junkie: Use Survey Junkie to get paid for sharing your opinions. Converting survey earnings into investments is a creative, effortless way to build wealth from spare time and spare change.
Fundrise: Fundrise makes it possible for everyday investors to get into real estate with a small minimum investment. You can invest your spare earnings or cash back rewards, spreading your portfolio across multiple properties and earning dividends paid to your account.
How to Maximize Earnings with Spare Change Investing Apps
Getting started is easy, but how do you actually maximize your earnings? Here are my favorite simple steps:
Link All Your Cards: For round-up apps like Acorns, linking every debit and credit card ensures every purchase counts towards your investments.
Take Advantage of Bonuses: Many apps—like Robinhood and Coinbase—offer referral and signup bonuses. Always check for promos before onboarding.
Combine Apps: Use reward apps (Rakuten, Swagbucks, Survey Junkie) alongside round-up investing apps. Invest cash back, survey earnings, or bonuses instead of spending them!
Automate Deposits: Set up recurring deposits with M1 Finance or Acorns, even if it’s just $5 a week. The habit pays off over time.
Educate Yourself: Use Coinbase’s “Earn” feature to learn and earn at the same time. Knowledge is profit—and pays in crypto!
Frequently Asked Questions About Spare Change Investing Apps
If you’re new to this world, you probably have questions. Here are a few answers to get you started:
Are spare change investing apps safe? Yes—they use bank-level encryption and are regulated as investment platforms. Always check for FDIC/SIPC insurance, especially with apps like Acorns, Robinhood, and M1 Finance.
How much can I earn? Over time, automated round-ups and rewards can invest hundreds of dollars a year, which compounding can grow even more. Using multiple apps together will dramatically boost your returns!
Can I withdraw my spare change investments? Absolutely. Most apps allow you to withdraw investments or rewards anytime, though there may be processing times or minimums to meet.
Who should use these apps? Anyone interested in building wealth passively, from complete beginners to seasoned investors.
Final Thoughts: Start Investing Your Spare Change Today
Investing doesn’t have to be complicated—or expensive. If you’re looking for a painless way to grow your money, the apps mentioned above make it easy and rewarding to start. Whether it’s using Acorns for round-ups, grabbing free stock promotions on Robinhood, or earning crypto rewards with Coinbase, you can turn spare change and spare time into serious passive income. Combining reward apps like Swagbucks or Rakuten with automated investing platforms provides a double boost to your wallet.
Ready to take control of your financial future? Sign up for one—or more—of these apps and watch your spare change transform into real wealth. Small steps today mean big rewards tomorrow. Don’t wait—start investing your spare change now!
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