10 Tools to Make Money with Your Phone in 2026: Proven Ways to Earn Extra Income

Still stuck in the 9-to-6 office routine? In 2026, millions of people discovered that it’s possible to make money on your phone without leaving the couch at home. The digital revolution has transformed how we earn income, offering real opportunities for those seeking financial freedom and flexible hours. In this comprehensive guide, we present 10 powerful tools to start earning money on your phone today—whether creating viral content, investing in markets, or promoting products online.

Social Media: Turn Your Creations into Income

Social media platforms have evolved from simple entertainment channels into income-generating machines. If you have creativity and time, it’s time to monetize your talent.

TikTok: Short Videos, Fast Earnings

TikTok leads the short-video market and offers multiple ways to turn views into real money. Creators with over 10,000 followers access the Creator Fund, which rewards engagement. Additionally, TikTok Shop allows selling through affiliate links and commissions on sales.

How to start: sign up, upload videos consistently, and monitor your engagement metrics. Withdrawals are processed via PayPal or bank transfer, usually within 30 days.

Available on: Android and iOS

YouTube: The Classic Platform to Make Money on Your Phone

YouTube remains the top choice for building steady income through videos. With over 2 billion active users, opportunities are endless. The Partner Program offers ad revenue via AdSense, while Super Chat, Super Stickers, and channel memberships generate additional income.

Requirements: reach 1,000 subscribers and 4,000 hours of watch time in the last 12 months. Once approved, your income can become almost automatic as your video library grows.

Available on: Android and iOS

Investment Platforms: Profit from Online Trading

For those wanting to make money on their phone through the financial markets, trading platforms provide access to global assets—gold, cryptocurrencies, indices, oil—all from your smartphone.

Mitrade: Accessible Trading for Everyone

Mitrade democratized access to the CFD market, allowing beginners and experienced traders to operate in real-time on gold, Bitcoin, indices like NASDAQ and NAS100, and Brent oil. The platform is regulated by international bodies like ASIC, CIMA, and FSC, ensuring safe operations.

The advantage: advanced charts, intuitive technical analysis tools, and a minimum deposit of just $5 USD to start. It offers a demo account with $50,000 virtual funds, perfect for learning without risking real capital.

Available on: Android and iOS

IC Markets: Speed and Precision for Serious Traders

IC Markets is globally recognized as one of the most technical brokers for CFD trading. Ideal for short-term operations in currency pairs, cryptocurrencies, and commodities, it offers ultra-fast execution and competitive spreads.

Note: this path requires strict risk management due to high volatility. It’s more suitable for those with market experience.

Available on: Android and iOS

Content Creators: Monetize Your Creativity

Writing, making videos, or creating niche content are among the most promising ways to earn money on your phone in Brazil.

Kwai: The Brazilian Alternative for Short Videos

Kwai is a highly popular short-video platform in Brazil, especially in the North and Northeast regions. The app offers multiple ways to earn: Creator Program (payment per views), daily bonuses, paid viral challenges, and brand partnerships.

The reward system is transparent, and payments via Pix are processed within 7 business days. To make money on your phone through Kwai, create authentic videos that connect with your audience.

Available on: Android and iOS

Medium Brazil: Monetize Your Writing

If you prefer writing over filming, Medium Brazil is your gateway. Authors publish articles in Portuguese and earn based on reading time and subscriber engagement. Topics like finance, technology, and entrepreneurship yield better returns.

Payments are made monthly via Stripe or PayPal. Besides income, you build authority as a niche expert.

Available on: Android and iOS

Affiliate Programs: Commissions for Sharing

Affiliate marketing offers an accessible, low-investment way to make money on your phone by sharing products that actually work.

Temu: Commissions on Sales and Campaigns

Temu quickly gained popularity in Brazil with unbeatable prices and a robust affiliate program. Share personalized links and coupons on social media and earn commissions in cash or app credits. Temporary campaigns often offer extra bonuses for clicks and sign-ups.

Payments via Pix, PayPal, or in-app credit depending on the active campaign.

Available on: Android and iOS

Shopee: High Commissions and Reliable Structure

Shopee’s Affiliate Program is considered the most stable for beginners in Brazil. Promote any Shopee product on Instagram, YouTube, TikTok, or Facebook and earn commissions up to 28% per sale. Registration is free, and approval is quick.

Earnings depend on engagement and conversion. Transfer your earnings via Pix in 3 to 5 business days.

Available on: Android and iOS

Freelance Work: Professional Freedom via Phone

Freelance platforms connect professionals with global clients, allowing you to earn money on your phone by executing projects in design, writing, translation, programming, and more.

Workana: Latin America’s Largest Freelance Marketplace

Workana is the preferred choice for those seeking Portuguese projects with guaranteed payment. The platform uses an escrow system that protects both client and freelancer. Create your profile, showcase your portfolio, and start receiving proposals.

Payments via Payoneer, bank account, or PayPal.

Available on: Web and Android

99Freelas: 100% Brazilian, Paid in Reais

A fully Brazilian platform, 99Freelas simplifies freelancing with a Portuguese interface and local support. Offer services in writing, design, translation, programming, marketing, and more, negotiating prices directly with clients.

Receive via Pix after client approval.

Available on: Web and Android

Practical Guide: How to Choose Your Path to Make Money on Your Phone

With 10 different options, the right choice depends on your talents, available time, and financial goals.

1. Identify Your Natural Talent
Short videos? Writing? Investing? Networking? Choose the path that matches your skills—success comes from consistency in doing what you truly enjoy.

2. Start with Reliable Platforms
All listed tools have good payment histories and support. Check recent reviews and confirm that withdrawal systems work in your country.

3. Compare Earnings vs. Commissions
Each platform retains a different percentage. TikTok, YouTube, and Medium pay based on engagement; affiliates pay per commission; freelancers negotiate their own rates. Calculate which model offers the best return for your effort.

4. Test Before Fully Investing Your Time
Begin with small tasks on freelancing or experimental videos on social media. Learning which audience responds best is free when you try different approaches.

5. Keep Track of Results
Monitor which strategies generate more income and where your time yields the best ROI. Adjust your approach based on data.

Start Today: Your Phone Is Your Income Machine

By 2026, earning money on your phone has gone from a promise to a documented reality. Whether you choose to create content on TikTok, trade on Mitrade, sell via Shopee, or write on Medium Brazil, the first step is always the same: start.

Try different platforms, discover what suits your style, and scale gradually. With dedication, creativity, and the right tools, turning your free time into extra income—or even your main digital business—is entirely achievable. Making money on your phone isn’t just possible; it’s the trend defining 2026.

Final action: Choose a platform that interests you, create your account today, and take your first step. The extra income you want begins with a simple action. What will yours be?