10 Free Tools To Save and Make Money On Your Smartphone

***This post may contain affiliate links. I do not recommend products that I have not personally vetted and love myself.***

Apple introduced the first smartphone way back in 2006 and the iPhone brought about a paradigm shift in information consumption. Today we take for granted the abilities of a smartphone. But did you know you can save and make money on your smartphone?

We essentially carry around mini-computers in our pockets these days. The smartphone has more computing power than full-sized computers and mainframes from 20 years ago. It is astonishing the rate of progress made in computer technology.

Now that we have the ability to know just about anything at the drop of a dime, we should utilize the smartphone to save and make extra money.

So without further ado, here are 10 free smartphone apps and tools that can help all of us save and make more money.

1. Ibotta

Cutting coupons from the newspaper and magazines is old school. Who even gets those anymore?

It the digital age that we are living in today, Ibotta is the replacement for old-style couponing.

Ibotta is a free money saving app that helps you to save money on groceries, mobile shopping, pharmacy, travel, etc. Pretty much everything.

Saving with Ibotta is simple. First, sign up for free using my link and you’ll receive a $10 bonus simply for signing up. Check out the 365+ stores that Ibotta supports. If you find that it has your favorite stores, and I assure you it will, you then:

  • Download the app
  • link you store loyalty accounts
  • unlock available rebates
  • shop and buy as normal.
  • Scan the barcodes of items with a rebate
  • Take a picture of your receipt
  • Submit

After that, Ibotta will send you cash back to your account within 48 hours. Easy right?

Who knew a short 12-years ago how convenient things would be today? I’m alluding to the first Apple iPhone release in 2006…

With Ibotta you can find many items with $2-$5 rebates with little effort, so what are you waiting for. Check Ibotta out today and you’ll receive a $10 bonus.

2. Credit Sesame

You need to check your credit report and credit scores, but it doesn’t need to be hard. Credit Sesame is here to help!

There is no reason to ever pay for your credit report again.

When you create your free account, Credit Sesame will monitor your credit report for you so you don’t have to. They will:

  • Send monthly updates
  • Monitor for suspicious activity, all the time!
  • Provide $50,000 in FREE bonus identity theft insurance!

With all those services how could you not sign up today?!

On Credit Sesame you can:

  • track your loan payments
  • check your interest rates
  • check your credit scores
  • monitor your credit ratios
  • find possibilities to refinance existing debt

Credit Sesame can be found in the Android and Apple stores at no cost.

Signing-up took me less than 2 minutes and it is 100% FREE.

3. eBates

In this day and age, the digital generation, we are all on the computer buying things. We buy our toys, our gadgets, even our groceries online.

When we do this we should be taking advantage of all possible ways to save. The best of which is eBates.

You can leverage Ebates to make money on your smartphone. You just download the app and search for retailers. It will give you lots of personalized recommendations for sales you would not have known about.

You can also add their browser extension on your computer to get rebates at any applicable online retailer.

You can also shop through their website/app and look for the sites that have the current best deals going on. If you are patient, more times than not, your favorite site will have a sale and extra cash back with eBates. Its a win-win for you.

The best part of it is, if you sign up with this link, you will get $10 extra cashback on your first purchase!

4. Personal Capital

Personal Capital is my personal favorite financial aggregator. There is no better way to get a total financial picture than with their platform. Personal CapitalIf you’re looking for one piece of financial software to help you monitor every aspect of your financial life in one place, it’s Personal Capital.

With Personal Capital, you can

  • track your income and expenses on your smartphone
  • monitor your budget
  • keep track of your net worth
  • follow your investments
  • and plan for your retirement
  • Check for any rogue transactions


The powerful dashboard of Personal Capital displays everything you need at a glance.


The Personal Capital dashboard shows a complete picture of all of your financial accounts and evaluates whether you’re on track to meet your financial goals.

You can check out my full Personal Capital review here.

Get started today with Personal Capital.

5. Paribus

Do you like paying too much for an item?

I know I don’t! Paribus protects us and helps us to save extra on our smartphone.

When you sign up and link your shopping accounts with Paribus, it monitors your items from purchase receipts in your email. If within one month any of your items go on sale, Paribus contacts the seller and asks for a refund for the difference.


It’s pretty much free money. You already bought it, and now you get money back. It doesn’t get any better than that!

Disclaimer: Paribus does keep a small portion of the savings for their services, but it’s money you would not have had otherwise.

Pro tip: Save all of your receipts in a folder in your inbox so Paribus and you can easily monitor them.

6. Trim

How many monthly payments do you have?

When it comes to bill time (you have these on auto-pay right?) it always seems like we have way too many bills that need paying. From netflix to cable. From Internet to car insurance, gym memberships, magazine subscriptions, cell phones, and utilities.

Trim can help us out. They analyze your spending trends and create a list of services that may be causing undue financial strain.

Trim then will help to negotiate better rates for you after you give it permission. Everyone should be at least calling their billing companies once per year to negotiate rates, but imagine not having to. Trim can take care of that hassle for you.

Like Paribus, Trim keeps a portion of the money they help you save, but you still come out ahead.

7. Decluttr

Welcome the garage sale of the 21st century. You now make money on your smartphone by direct sale.

Decluttr allows you to scan the barcodes of your old CDs, DVDs, Blu-rays, cell phones, video games, tablets, etc. and then makes you an offer.

Decluttr is the easy way out of selling your goods online. For that, you need to head over to this post on flipping items for profit.

Instead of having to sell to multiple people and ship to lots of different places, Decluttr will make you an offer up to $3 per item for the small stuff and then help you coordinate shipping it off in bulk.

It’s easy, so get started today with Decluttr and live a more minimalist life.

 8. ShopTracker

Update: ShopTracker seems to be gone. If it comes back I will update it here.

In this day and age of data privacy, you can now sell your data for research purposes. This is what ShopTracker does.

You make money on your smartphone with ShopTracker by allowing it to watch your Amazon history. They are an industry leader in online data research and take privacy very seriously.

They are looking for patterns in product purchases, category, order dates, item conditions and others that do not have personally identifiable information.

This is what happens:

  1. You sign up, download the ShopTracker app to your device/s and answer a few questions about your Amazon use.
  2. Log in and share your Amazon purchase history. They send you a free $3 Amazon gift card.
  3. Every month you can answer a few more questions about Amazon and ShopTracker will send you more money.

It’s easy and free money, so get started today with ShopTracker.

9. Top Cash Back

Top Cash Back is the bee’s knees!

They offer cashback and discounts on online purchases just like many other cash back portals. The kicker here is they offer Free Cashback rewards that don’t require you to make a purchase!

One of the benefits of Top Cash Back as compared to the other online discount finders is it has no minimum payout threshold, meaning you can get your cash back as soon as you get it. You don’t have to wait for it to reach some arbitrary amount. Redeem to gift cards and get an extra 3%.

Get started today with Top Cash Back.

10. Swagbucks

Every time you shop online you could be saving money by shopping through portals. Essentially, the portal makes money by advertising for the vendors that are on the portal and then they pass some of this profit on to you as an incentive to use their platform.

Swagbucks among other things is one of these shopping portals.

Regardless of where you start to find what the item you want to purchase, you should go back and check on Swagbucks to see if it has your retailer on it to help you save more.


As you may have noticed there are a lot of shopping portals above. They all help you to save money on your purchases and make money on your smartphone.

Check with any and all of these portals before you make a purchase to see which one will benefit you the most and use that one. Leveraging all of the available technology together is the best way to save the most money.

In today’s connected world, there is no excuse to be wasting money. Technology can help us to stay attuned to our finances and save and make money easily.

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  1. I liked the application tips, I spent a lot of time looking for some and I did not find any that was good or useful. I’m testing the ones you quoted here. Let’s see which ones work.

    1. Any help we can get on the path to FIRE is good. With today’s technology, it gets easier and easier to reach.

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If you're not using your smartphone to save money and make money, you're leaving money on the table. Our list of the top 10 free money tools will get you started today!  finance apps | money apps |