12 Ways to Earn Money Online Without Investment

12 Ways to Earn Money Online Without Investment

There are lots of ways to earn money online without having to pay anything upfront. Whether you want to earn some extra cash on the side as a student or start a full-time online job, this article will give you 12 different ideas that don't require any investment. 

You can choose something that fits your skills and interests. For example, if you're creative, you could sell handmade crafts or digital art. Or if you like writing, you could get paid for blogging or freelance writing gigs. There are also options like being a virtual assistant, online tutor, getting paid for your opinions, and more.

The best part is, you can get started right away on most of these without paying any fees or buying anything. All you really need is a computer/laptop and an internet connection. So let's dive into the ideas!

12 Methods To Earn Money Online For Free

1. Sell DIY Craft Guides

Preferred platform: Shopify

Competition: 3/10

If you're a crafty person, a great way to make money online without any investment is to sell DIY craft guides. Share your creative talents by putting together easy-to-follow instructions for unique crafts like jewelry, home decor, or holiday decorations. 

You can create PDFs or videos explaining the steps with photos and written descriptions. Then list your guides for sale on websites like Shopify, Gumroad or your own website. People are always looking for new DIY project ideas, especially ones made by skilled crafters.

The best part is you likely already have most of the supplies at home that you used to make your own sample crafts. All you need is a computer to write out the guides and instructions. It's an inexpensive way to turn your hobby into a nice little income stream.

2. Become a Meal-Planning Guru

Preferred platform: Fiverr

Competition: 4/10

Helping busy people eat healthily is another way to earn money online without any investment. You can become a meal-planning guru by creating personalized meal plans tailored to people's dietary needs and preferences.

First, you'll ask clients to fill out a questionnaire about their food allergies, favorite cuisines, calorie goals, etc. Then you'll design a weekly meal plan mapping out their breakfast, lunch, dinner, and snacks. Include recipes and a grocery shopping list.

To get started, you just need meal-planning software (many have free versions) and basic nutrition knowledge. Market your services on freelancing sites like Fiverr or make a simple website. Charge a flat fee per customized meal plan. It's an easy way to make money from home while helping others eat better.

3. Sell AI-Generated Art

Preferred platform: Midjourney

Competition: 7/10

With the rise of AI art generators like DALL-E 3, Midjourney and Bing AI, there's a growing opportunity to make money online by selling unique digital artworks created by these tools. And the best part? You don't need any artistic skills or special software - just get creative with your text prompts!

To get started, sign up for a free account on an AI art platform and start generating eye-catching images based on your text descriptions. You can make abstract art, custom graphics, illustrations and more. The possibilities are endless.

Once you have a portfolio of cool AI artworks, list them for sale on sites such as OpenSea or Make-a-Pixel-Art as NFTs or digital downloads. Promote your store on social media and online art communities. With AI art rapidly gaining popularity, now is a great time to get in on this emerging market before it becomes too saturated.

Related: 5 Best AI Image Generators

4. Affiliate Marketing

Preferred platform: Amazon Associates

Competition: 8/10 (depending on your marketing technique)

Affiliate marketing is one of the most popular ways to make money online without investment. The basic idea is you promote products or services for companies, and earn a commission whenever someone buys through your special affiliate link.

To get started, just sign up for free affiliate programs with brands you actually use and like. Amazon Associates is one of the biggest programs that lets you earn up to 10% in fees from product sales. Another great example is Fiverr’s Affiliate Program, where you have much control over how you receive your commission.

Once approved, you'll get a unique tracking link to share on your website, social media or other online platforms. Make sure to only promote quality products genuinely useful for your audience. With some strategic marketing and content creation, you can earn lucrative commissions without any upfront costs.

Related: How to Start Affiliate Marketing

5. Make Money with Your Photography

Preferred platform: Shutterstock

Competition: 9/10

If you have a passion for photography, you can turn it into a money-making side hustle by selling your stunning shots online. Thanks to platforms like Shutterstock and Etsy, it's easy to upload and sell your photos as digital downloads or prints.

To get started, you'll need a decent camera (even a newer smartphone camera can work) and an eye for good photography. Take high-quality photos of anything from landscapes and nature to food, products or lifestyle shots. The key is capturing visually appealing images that people may want to use or display.

After editing and touching up your best shots, create accounts on a few stock photo sites and upload your portfolio. Be sure to add good keywords and descriptions to help people find your work. You can earn pretty decent passive income anytime someone licenses or buys your photos - all without investing in expensive gear upfront.

Related: The 11 Best Websites to Sell Your Photos Online

6. Start a YouTube Channel

Preferred platform: YouTube

Competition: 7/10 (depending on your niche)

YouTube provides an incredible opportunity to make gain profits without investment by simply sharing your skills, knowledge or life experiences on video. Whether you want to teach tutorials, review products, vlog about your day-to-day life or just entertain people, you can build an audience and income on YouTube.

Getting started is completely free - all you need is a Google account and a way to record videos, which could even just be your smartphone camera. Brainstorm some potential channel ideas that align with your interests or expertise. The more niche and specific the better to attract a loyal following.

Once you start uploading videos consistently, you can enable monetization through YouTube's Partner Program to allow advertisements to run on your channel. As your view counts grow, so will your ad revenue. You can also generate income through sponsorships, affiliates, super chats/tips and selling merch down the road.

7. Content Writing Gigs

Preferred platform: Fiverr

Competition: 7/10

If you have a knack for writing, there are plenty of opportunities to get paid for creating all sorts of content online like blog posts, articles, product descriptions, email newsletters and more. Companies are always in need of fresh, engaging content. This way you can easily earn money online without investment by simply typing (or using AI).

To get started with content writing gigs, create a portfolio with some writing samples that showcase your skills and experience. Then sign up on freelancing platforms like Upwork, Fiverr or Textbroker. You can bid on available writing jobs posted by clients or get paid per article/word count.  

Another option is to pitch your services directly to blogs, magazines or businesses in your desired niche. Send over your best samples and proposed content ideas or packages. Once you build up a client base, you can earn a decent income working from home writing content without any financial investment required beyond a computer.

8. Virtual Assistance

Preferred platform: Upwork

Competition: 6/10

Being a virtual assistant is another great way to make quick money online without an initial investment. As a virtual assistant, you'll provide administrative, technical or creative support services to clients remotely.

Common virtual assistant tasks include scheduling appointments, making travel arrangements, managing email inboxes and social media accounts, data entry, customer service and more. The level of duties can range from basic to highly specialized depending on your skills and experience.

To get started, you don't need any special equipment beyond a computer and internet access. First, decide what services you'd like to offer and put together a basic website highlighting your skills. Then sign up on virtual assistant job boards like Belay, Fancy Hands or Upwork to connect with potential clients. Many are willing to hire beginners.

As you build up a positive work history and reviews, you can raise your rates and attract more clients for a steady stream of virtual assistant income.

9. Get Paid for Your Opinions

Preferred platform: Swagbucks

Competition: 0/10

Did you know you can get paid just for sharing your honest thoughts and opinions about products, services, apps and websites? Companies are always looking for consumer feedback to improve their offerings, and they'll pay good money for it.

Signing up for online paid survey sites like Swagbucks or InboxDollars is an easy way to start earning cash for your opinions. You'll get notified when new surveys match your demographics, and you can choose which ones you want to take.

Another option is to sign up as a website or app tester through companies like UserTesting. You'll be asked to review a site or app and record yourself narrating the experience. It's a fast way to make $10 or more per test in about 15-20 minutes.

The best part about getting paid for opinions? There's no skill required beyond using the internet and products/services like you normally would. It's an easy way to earn additional income using just your mobile phone, without requiring any upfront investment.

Related: How to Make Money With Product Reviews

10. Freelance Your Skills

Preferred platform: Fiverr

Competition: 8/10 (depending on your niche and marketing strategy)

No matter what skills or talents you possess, chances are there is someone out there willing to pay for your services online. Freelancing provides unlimited opportunities to monetize your abilities from anywhere in the world without any big investment required.

Some of the most in-demand freelance skills include writing, editing, graphic design, web development, digital marketing, virtual assisting, accounting services and more. But you can really freelance just about any professional skill from consulting to coding to audio/video editing.  

To get started, create a portfolio showcasing your best work samples. Then sign up on freelancing job sites such as Fiverr to connect with potential clients. Make sure to bid competitively when first building up your reviews and experience. Over time, you can raise your rates and be more selective about which freelance jobs you take on.

The key benefit is being able to work from home on your own schedule without having to invest money upfront beyond having a computer. It's a flexible way to earn great income just by freelancing skills you already have.

Related: How to Promote Yourself as a Freelancer

11. Online Tutoring

Preferred platform: Chegg Tutors

Competition: 5/10

With more students learning virtually, the demand for quality online tutors has skyrocketed.

To get started tutoring online, you'll first want to identify the grade levels and specific subjects you're best qualified to teach. Having some previous tutoring or teaching experience is preferable, but not absolutely required.

Next, sign up for a platform like Chegg Tutors, TutorMe or Varsity Tutors. These allow you to create a profile highlighting your expertise and set your own hourly rates. Students can then book paid one-on-one video chat tutoring sessions with you based on their needs.

The best part about online tutoring is you can work as little or as much as you want based on your availability. All you need is a computer/webcam and reliable internet connection. It's an incredibly flexible way to make good money just by sharing your academic knowledge.

12. Sell Digital Products

Preferred platform: Gumroad/Shopify

Competition: 9/10 (depending on your niche and marketing strategy)

These days, it's popular to earn some extra cash online by creating and selling a variety of digital products like ebooks, online courses, graphics/templates, software, audio files and more. This allows you to earn passive income over and over again from your one-time creation.

Start by pinpointing a skill, interest or knowledge area you could create helpful digital content around. For example, an ebook on vegan meal prep, Photoshop tutorial videos or a guided meditation audio series. Do some research on what people are already buying in that niche.

Best Digital Products To Sell

Once you've created your digital product, list it for sale on platforms like Gumroad or Shopify. You'll set your own price and keep the majority of the earnings after platform fees. Make sure to properly market and drive traffic to your listing through social media, your website/blog, online forums, etc.

While creating a high-quality digital product does require some upfront effort, it's an incredibly low-cost way to potentially earn recurring revenue for years to come. And you can continuously expand your product catalog over time without much additional investment.


Those are 12 solid ways to start earning money online without having to invest any money upfront. The options span creative outlets to freelance services to capitalize on skills you may already have. Don't wait, get started today turning your time, talents and ideas into a lucrative source of extra income from home!

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