How to Make Money Online Without Investment

The financial disruption caused by the Covid-19 pandemic left many people wondering how to make money online without investment.

A lot changed after the pandemic struck. Many people were and are still jobless. Others are barely making ends meet.

Despite it all, there is a shimmer of hope in creating a new revenue stream online from zero investment. There are millions of people across the world earning handsomely from online ventures.

A study conducted by a Washington-based research group, Pew Research Center, in 2016 indicates one in every four Americans worked online. 

This number could have immensely increased in the last six years – especially after the pandemic in 2020 sent people back home. 

Therefore, if you are looking at earning from various online gigs, be inspired because millions of others are doing it. You, too, could be one of them!

This article covers in-depth everything you need to know on how to make money online without investment.

How Can I Earn Money Online Without Any Investment?

The thought of earning without any investment is incomprehensible at first, but it is a reality supporting scores of families. 

What matters between making money online without prior investing is what you choose to do. The following are things you can do and earn money online.

1. Become an Online Insurance Agent

You could become a salesperson working online for an insurance company. It is a convenient way to make money online without investment. 

As a Point salesperson (POSP) – referring to an online insurance agent – you help prospective clients choose insurance products. You guide them on the company's best products based on their specification. 

All you need is an excellent internet connection and a laptop. However, it would be best if you were of legal age (different countries have different years of legal age). 

Most insurance providers train you on your scope of work. Every detail of its insurance products is explained sufficiently.

Why do they conduct the training? To help you get a deeper understanding of every product offer. This cultivates a more profound convincing power when pitching a would-be client.

Remember, the more products you sell, the more money you make.

2. Website and App Tester

Testing websites and apps is an easy route for you to make money online without investment. 

And developers hire testers to ensure that users have a friendly experience with their apps or websites. And you don't have to be a computer guru to test websites and apps!

It is commonly known as 'beta testing' in the developers' world. Beta testers use the app/website before making it available to the public.

The job of a user tester is to test the usability of a website or app. To ensure a positive user experience, you essentially utilise the site or app as an average person would.

They then report their findings on user-friendliness or any issue they encountered during beta testing. The least you can earn for a single test is $10 – not so bad because it may take less than an hour.

UserTesting, UTest, and User Test have a lot of these gigs. The secret to earning more from app testing is registering with multiple sites and having a high test rate.

3. Take Paid Surveys

Paid surveys are a common way to make money online, but many people report having a bad experience with them. Taking a paid online survey means using a few minutes and giving feedback on a particular subject.

Different firms have a unique opportunity to influence the development and marketing of new products and services worldwide. And they turn to market research firms to harvest data from a large, diverse test market.

They analyse the data – basically your feedback – and assess whether that particular product or market is viable.

Thus, you can make money online without investment by simply filling out surveys. These are some of the best research firms to take paid surveys from.









Survey time

4. Data Entry Jobs

Working in data entry means adding, validating, and changing digital data in various formats. You use different electronic devices, such as a keyboard, to input and update data as part of a data entry job. 

Among the many professions in this field are typists, coders, transcribers, and word processors. It requires no investment to start.

As long as you're fast on the keyboard, meticulous, and don't mind working under pressure, you can make money online without investment. 

Some data entry firms require you to transcribe meeting notes, enter raw data into databases, or record sales numbers in a computerised format. Data entry may be an excellent fit for you because you work remotely.

Outstanding typing speed and computer skills help you execute data entry jobs flawlessly. Reputable data entry firms include:


DionData Solutions 

Data Plus


Axion Data Entry Service

5. Become a Freelancer

Did you know you could make money online without investment simply by becoming a freelancer? There are numerous advantages of working as a freelancer.

Besides making money, you have the freedom to set your hours and where you want to work from. Another beautiful side of working as a freelancer is that you can work in various fields as long as you're skilled.

For instance, you could offer coding services, proofreading, editing, writing, programming, blogging, among others. It gets easier because there is a necklace of reputable freelancing sites.

Take Upwork, for example. It is one of the best places to find freelance work of any kind. You are welcome here whether you are a programmer, a designer, a writer, an IT expert, a translator or a financial advisor.

All you do is create a profile quickly and charge an hourly rate or set a fixed price for each unique project you handle. Upwork's rating system also rewards the best-rated profiles based on client feedback.

What this means is that you get more well-paying clients seeking your services.

Another highly-rated freelancing platform is Fiverr. Your services fetch you from as little as $5 to more significant figures. 

Your services can range from writing, poetry, translation, programming, designing to online marketing. All of these, and much more, put dollars in your bank account as long as you deliver quality work.

Other reputable platforms for freelancers include the following:




Tuts Plus Jobs



6. Affiliate Marketing

An affiliate marketing business is just like a brick-and-mortar store. And if you are looking at how to make money without investment, it is a great option.

Nevertheless, you partner with e-commerce mediums like Flipkart and Amazon to make more money. They help advertise what you are selling.

Affiliate marketing works perfectly, even for those who don't have websites. A simple business plan is all you need.

You can populate a list of your favourite books, for example, and link the list to Flip kart so that people can purchase what they are interested in.

As an affiliate marketer, you earn a commission for closing in a sale on a certain book (s). Another alternative is promoting your affiliate links on Facebook groups and online forums.

7. Become a Web Researcher

If Google is your friend, making money online becomes more effortless. Why you may ask. This is because companies in various industries rely on online researchers to locate the most relevant and trustworthy sources of information. 

Thus, you conduct thorough web research and share the findings with the company that hired your services. The information shared helps clients make better business decisions in the future.

All you need is a computer and internet access to apply to work on assigned projects. The sites could hire you as a web researcher.

Upwork: Companies and individuals running businesses hire researchers to get information on different aspects of their trade. Upwork has many of these prospective clients.

10EQS: Using industry specialists, 10EQS can study and answer issues related to their particular sectors. An opportunity to work on real research projects with 10EQS is available to industry specialists who join the company's expert team.

Wonder: You can join the team of virtual researchers who conduct in-depth findings into questions asked by customers. They obtain data, discuss market trends, and determine competitive landscapes.

How Can I Make 1000 a Day Without Investment?

There is no reason for you not to earn daily. Remember that skill, commitment, and passion are the gateway to making money online without investment.

If you get down to them, the following things will add something daily to your bank account.

8. Video Editing

Head to Upwork, or Fiverr and pitch clients if you have the skill to edit videos; it pays well, mainly because your rates are hourly. So, the more the hours and video quality, the more you earn.

9. Online Sale of Photos

Selling photos online is a skill in its league but shouldn't be hard enough. The most important thing to remember is that the photos must be imaginative enough.

Third-party stock picture websites like Shutterstock, 500px, Adobe Stock, Alamy, and Getty Images are the finest places to sell your photos online.

You earn based on how many people view and download your images on the websites hosting them.

Stock images are utilised on websites, products, ebooks, and even advertisements meaning you'll want to gather your best shots.

Selling photos online to the websites listed above fetches you from $5 to $10 for every photo.

10. Writing Content

Anybody with the ability to write and the desire to succeed can become a content writer. In a content writing job, you must provide your client with appropriate information on the subject at hand.

If you can generate high-quality content, you can easily find work as a content writer. And Freelancing platforms such iFreelance, iWriter, Upwork, Fiverr, and ProBlogger have tons of content writing jobs.

11. Sell Digital Products and Ebooks

Electronic books, software for classroom use, and online courses are all in high demand in the 21st century. Making reasonable sums of money by selling ebooks is possible, but with the right target market.

It would be best if you didn't worry about this because there are digital marketplaces with target customers. An example of these sites include:





12. Web Design

Website Designing is a lucrative career option that allows you to provide your clients with a wide range of services while making a substantial profit. 

It is one of the most sought-after skills in the modern world, with a client portfolio from all over the world. It is a perfect stream on how to make money online without investment.

You will make a tidy profit as long as you have at least five pages on your primary website. Other services that you can offer under web design include On-Page SEO Services, Graphics Design, and Site mapping.

There is also DNS modifications, video embedding or linking, and form integrations. All these can be included in the basic website design services you can offer.

13. Become a Virtual Assistant

Clients benefit from administrative help provided by a virtual assistant. Ideally, they are people operating outside of the client's office. 

While a virtual assistant often works from a home office, they can access remotely important office stuff, such as shared calendars. Virtual assistants earn on a project-by-project or monthly-by-month basis. 

They make anywhere between $16 and $29 an hour. Tasks such as responding to emails, scheduling meetings, and attending client calls are just some of the virtual assistants' duties.

But, an outstanding virtual assistant must have strong interpersonal skills and the ability to manage projects effectively.

14. Become an Influencer

If you enjoy a substantial social media following, capitalise on it. It is a goldmine in a brand promotion that requires no capital to make money.

Many companies will pay you to promote their items on Instagram and Facebook. You can also make money by promoting affiliate products on your Instagram feed, which you can do on any topic you choose.

Final Thought

There are a dozen things to do online that generate money with no investment at all. All you need is dedication and picking the most significant undertaking you enjoy working in to earn you money. 


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