Shannon Terrell
Beth Buczynski
Making money online is a practical way to create passive income, bolster your savings and pursue self-employment. But how do you go about turning your computer and Internet connection into a way to earn money? Do you even need the Internet to make money at home? (Spoiler alert: the answer is no.)
NerdWallet has gathered 18 ways to make money online and offline in Canada — plus, what you need to know before you begin and how to tell the no-so-great opportunities from the legitimate ones.
3 ways to make money: No expertise or experience required
It’s possible to make money from home in Canada with nothing more than an Internet connection and a mobile device. Here are 3 ways to make money online from home in Canada — no expertise needed.
1. Sell collectibles
Kijiji, eBay and Facebook accounts are free, and you can use these marketplaces to sell collectibles. How well your collectibles sell depends on their overall condition, rarity and marketplace demand. You can also sell to fellow collectors through Facebook groups. Before listing, research the market (don’t just look at the asking price, but what similar items sold for). Covering shipping costs may expand your market, but know your costs to avoid losing money.
Age threshold. You must be at least 18 years old to create seller accounts on eBay and Facebook Marketplace. Kijiji allows users to post ads on their own once they’re at least 16 years old. With permission, you may sell collectibles if you don’t meet these age thresholds by posting items under the account of an adult you trust.
Setup. 24 hours.
Starting cost. It’s free to open accounts on eBay, Kijiji and Facebook Marketplace. Posting items for sale may cost money, depending on the platform and how many posts you create:
- eBay. You can post up to 250 listings for free before eBay charges an insertion fee for additional ads. Insertion fees vary by product category.
- Kijiji. Depending on the selling category, you can post five to 23 free service ads at a time. After that, expect to pay a flat-rate listing fee per additional ad.
- Facebook Marketplace. There are no listing fees for posting items on Facebook Marketplace, though a fee is automatically deducted when an item sells.
How easy is it to start? Easy. All you need is an Internet connection and enough tech savvy to take photos of your wares and post them to online marketplaces.
- You can create posts in online marketplaces in just a few minutes, but it may take days — even weeks — to sell an item, depending on its condition, price and overall demand for the product.
- Expect some back and forth with potential buyers who want to haggle prices or arrange for shipping or pickup.
How fast you’re paid depends on the platform and how to opt to receive payment:
- Electronic funds transfer.
- Interac e-Transfer.
- Wire transfer.
- Cheque.
- Cash.
Keep yourself safe from scams and fraudulent activity by adhering to online marketplace safety guidelines. If meeting in person to complete a sale, meet in a public place. Alert friends and family to your whereabouts before you leave home or bring a trusted person with you.
Collectibles, a camera, and a seller’s account on Kijiji, Amazon Marketplace, eBay, Facebook Marketplace, Craigslist or similar sites.
2. Recycle your clothes
Instead of collecting dust, your gently used garments could be turned into extra cash. Online consignment and resale companies like Poshmark and Vestiaire Collective and Depop are typically free to use. Just create an account, and send in or list your clothing. Each site works differently, but you’ll generally earn a commission on the items that sell.
Age threshold. 18 — although those as young as 13 may be able to sell on some consignment websites with the help of a parent or guardian.
Set up. It may take a day or two to create an account, identify clothing items you want to sell, and put together listings.
Starting cost. It’s often free to create an account and list items on online consignment and resale platforms.
How easy is it to start? Easy enough, though it may be time-consuming to sort and list clothing items, depending on how much you have to sell.
Once a listing is live, it typically needs little to no oversight. Depending on the item of clothing, it may take weeks, even months, for items to sell.
Expect for funds to be released after the item you’ve sold is delivered to the buyer. Payment options include:
- Electronic funds transfer.
- PayPal.
Some consignment platforms have a social media component. To boost the visibility of your listings, you may need to spend some time promoting them on your platform of choice.
Brand name or vintage clothing in good condition, an Internet connection, the ability to ship clothing or bring it to a physical location, and patience (sometimes it takes a while for things to sell).
3. Offer a room on Airbnb or VRBO
Depending on the regulations in your area, you could offer a room in your home as a short-term rental on sites like Airbnb or VRBO. Airbnb takes a 3% fee from every booking, while VRBO takes 5% as commission and 3% for payment processing. Listing a space involves uploading numerous photos of the property alongside a detailed description, and any house rules guests are expected to follow. When setting your rate, you’ll need to account for utility expenses, repairs, maintenance, cleaning, and insurance.
Age threshold. 18.
Set up. 1 – 2 hours to take photos of the space and create an online listing.
Starting cost. Little to nothing if you already own or have access to a property. You don’t need to own a property to list on Airbnb — tenants are permitted to list and host a property they rent on Airbnb’s platform but typically need permission from their landlord.
How easy is it to start? Easy — if you already own a property.
It depends on how often you rent out your space. Cleaning between guests may be time-consuming, depending on the size of the property, though you can contract this job out to a cleaning company.
Expect to receive payment one to seven business days after the first day your guests check in. Payment options include:
- Electronic funds transfer.
- PayPal.
- Payoneer.
- Prepaid Debit Mastercard.
- Wire transfer.
- Western Union.
Both Airbnb and VRBO offer host liability insurance, but you’re welcome to purchase additional vacation rental property insurance for added peace of mind. Some provinces, regions, towns or cities may require that you purchase a business license or special permit to rent out part of all of your property.
A room for short-term rental with enough time to maintain it and provide amenities. Proper licenses and insurance, as required.
6 ways to make money online with full-time work potential
Looking for a money-making method with big earning potential? These six side hustles could feasibly be done on a full-time basis.
1. Pick up freelance work
Upwork, Workmarket, Fiverr, Freelancer.ca, Indeed, LinkedIn and similar job sites list opportunities for freelance writers, editors, graphic designers, web designers, coders and other creatives with skills that can be performed online. Sites like these will generally ask you to create an account to browse listings and bid or apply for the freelance job you want.
Age threshold. At least 16 to 18 years old, depending on the freelancing platform.
Set up. A day or two. You’ll need to set up an online profile and may need to wait while your profile is verified.
Starting cost. It’s often free to create an account and respond to job postings.
How easy is it to start? Expertise in the skills or services offered is preferred. It may take time to set up your freelancing profile, depending on the type of work you pursue. Some clients like to see examples of your previous work, which means you may need to put together a sample portfolio before you can apply for gigs.
You may be able to get a gig the same day you sign up, but it often takes a few weeks to establish regular work. If you can get the work, you can put in as many hours as you’d like.
Expect to be paid two to five business days after completing a job. Some platforms have clearing periods for client-deposited funds that may extend the timeline for getting paid. Payment options include:
- Electronic funds transfer.
- Paypal.
To freelance in Canada, you need a Social Insurance Number.
Most freelancer listing sites have a minimum age: Fiverr (13), Upwork (18), Workmarket (18), Freelancer.ca (16), and LinkedIn (16 to use the site and 18 to offer services for a job).
2. Become a dropshipper
Dropshipping is like print-on-demand, but instead of selling designs, you sell goods. However, you don’t physically stock anything. Instead, you partner with a reputable wholesaler to process and send orders. How much you can make as a dropshipper varies widely depending on your products, market, and marketing efforts. Profit margins are usually low, but if you focus on selling something unique, and partner with an established brand or distributor who sells quality products as advertised (rather than cheap imitations), you may find success. Popular dropshipping suppliers include AliExpress, Sprocket, Alibaba and Gelato, among others.
Age threshold. 18. Dropshipping often requires partnering with an e-commerce platform to process customer orders and payments. These platforms typically require merchants to be at least 18 years old.
Set up. Weeks. There are numerous decisions you’ll need to make about your wares, target demographics and selling channels before you can get started.
Starting cost. Initial costs can be high. Expect to spend a few hundred dollars on the low end — possibly thousands on the high end.
How easy is it to start? Challenging. The learning curve for this side hustle can be quite steep.
Expect to put in at least a few hours of work each week while your business gets off the ground. Once you’re up and running, you can sell goods for as long as you choose.
Numerous e-commerce sites pay merchants on a set schedule (weekly, bi-weekly, etc.), though you can often initiate one-time payments outside this schedule. The most common way to get paid for dropshipping is by electronic funds transfer.
Dropshipping can be highly competitive. Plus, having a third-party handle order fulfillment and shipping means there are components of the selling process you’ll have no control over, like supply chain mix-ups and shipping delays.
Online storefront, affiliations with reputable brand wholesalers/distributors and an online advertising budget.
3. Become a virtual assistant
Do you consider yourself a jack of all trades? Excel at multitasking? Do you get a special thrill out of helping others get organized and complete their to-do lists? The life of a virtual assistant might be right for you. By signing up on websites like Upwork, Virtual Assistant Canada and Virtual Gurus, you can earn money helping clients tackle a variety of tasks while setting your own hours and working from just about anywhere.
Age threshold. You typically must be at least 16 to 18 years old, depending on the platform.
Set up. A day or two. You’ll need to set up an online profile and in some cases, wait while your profile is verified.
Starting cost. It’s often free to create accounts on freelancing sites.
How easy is it to start? Setting up your online profile may only take an hour or two, but potential clients may want to schedule an interview before they agree to hire you. You may need to prove previous professional experience and post-secondary education. You may also be asked to pass various skill set tests.
It may take a week or two to find clients you click with. The number of hours you work will depend on the client.
Payments are typically rendered through electronic funds transfer or Paypal. How fast you’re paid depends on the platform. Some platforms let you request payment as soon as a job is complete. Others pay for logged hours on a weekly, bi-weekly or monthly basis.
Set clear parameters with clients around established working hours and tasks you’re equipped to handle to avoid misrepresenting your availability and skill set.
Phone and computer/Internet access, be based in Canada, and be available during business hours.
4. Open up an Etsy store
If you enjoy crafting in your downtime, consider selling your creations on Etsy. There’s strong demand for handmade wares, and you can sell just about anything on Etsy, so long as it’s handmade or vintage.
Age threshold. 18.
Set up. You may be able to create an account in a matter of minutes, but putting together your Etsy storefront could take days — even weeks, depending on how many listings you want to create.
Starting cost. Opening an Etsy shop is free, but you’re responsible for all costs associated with creating or obtaining your wares.
How easy is it to start? Easy, given you know what you want to sell and have some practice making it. Your items may have better odds of selling if they’re of high-quality make and design.
Once your online store is set up, it may take some time before orders start to come in.
How fast you’re paid depends on how long it takes you to make a sale and the payment schedule you set up. Etsy sellers typically receive payment by electronic funds transfer.
Your customers can rate your wares and storefront based on their shopping experience and their overall satisfaction with what they’ve purchased. These ratings can have a big impact on the overall success of your Etsy endeavour.
Handmade or vintage items you’d like to sell and a mobile device with an Internet connection.
5. Become a translator
If you’re fluent in multiple languages — or studied a foreign language in post-secondary school — you may be able to cash in by doing translation work online. Sites like Upwork, Gengo, Pro Translating, LanguageLine Solutions and Languages Unlimited are often looking for interpreters and translators. Depending on the company you apply with, the work could be full-time, freelance or on a per-job basis.
Total time.
Age threshold. Typically 18.
Set up. One to two days. You’ll need to set up an online profile and in some cases, take qualification tests and have your profile verified.
Starting cost. It’s often free to create an account on translation platforms.
How easy is it to start? Easy, if you’re bilingual. Previous experience as a translator may not be necessary, but you must be fluent in at least two languages.
Expect to spend a couple of weeks establishing regular work.
Some platforms let you request payment as soon as a job is complete. Others pay contractors on a set schedule. Payment options typically include:
- Electronic funds transfer.
- PayPal.
- Payoneer.
You may need to provide samples of your translation work, or pass a reading and writing proficiency test.
Bilingualism, an Internet connection, a computer and perhaps headphones or recording equipment.
6. Sell your artwork using print-on-demand sites
If you’re artistically inclined, print-on-demand sites are a way to put your designs on t-shirts, mugs, posters, smartphone cases and more without handling inventory or shipping yourself. Sites like RedBubble, Printful, Teehatch, Art of Where, Ottawa Custom Clothing, and Printify are just a few of the print-on-demand options available in Canada. When someone orders your product, the site facilitates printing, payment processing and shipping. As the artist, you’ll receive a portion of the profit each time you sell an item.
Age threshold. At least 18 for many print-on-demand sites — although Redbubble allows users 16 and older to sell their art.
Set up. 1 – 2 hours.
Starting cost. Nothing. Many print-on-demand sites let you open an account and post your designs for free.
How easy is it to start? Easy, so long as you have digital files of your artwork ready to go. If you run into trouble uploading your designs, you may be able to find video tutorials of the process to help you get started.
It may take weeks or months before you start receiving orders.
Some print-on-demand platforms require you to hit a specific earning threshold before you can withdraw funds. Others pay out artist commissions on a set schedule. Payment options typically include:
- Electronic funds transfer.
- Paypal.
Some print-on-demand sites deduct the cost of order fulfillment and shipping, then send artists their cut of the sale. Others require artists to collect funds from customer orders, then pay the print-on-demand platform for the cost of printing and shipping the items. When dealing with the latter, you may need to add a credit card to your file to pay for order fulfillment costs.
Along with a minimum age (unless given permission by a parent or guardian if you’re between 18 and 13) print-on-demand sites typically require a minimum pixel count and that your design does not infringe any copyright.
3 ways for teens to make money online
For teenagers who want to earn a little extra coin, consider these three ways to make money online.
1. Tutor via webcam
Spin your existing knowledge in math, English, science, test preparation or a foreign language into a job tutoring students. With an account at sites like SuperProf.ca, VIPKid, Preply and Skooli, you can earn money by helping children, teens — even adults — excel in a subject or skill from the comfort of your home. The amount you’ll make per lesson or per hour will vary depending on which service you choose to use.
Age threshold. You must be at least 13 to 18 years old, depending on the platform.
Set up. One week. Creating your online profile can be time-consuming, depending on the level of detail the platform requires. Some platforms require you to participate in a video interview before your application can be reviewed or accepted.
Starting cost. Account setup for tutors is typically free.
How easy is it to start? Experience or expertise in the subject is expected. Some platforms also require that you have a diploma, degree or specialized qualification in the field of study.
It may take a few weeks to establish regular students.
Expect to be paid within a few business days following the successful completion of a lesson. Some platforms require you to hit a specific earning threshold before you can withdraw funds. Payment options typically include:
- Electronic funds transfer.
- PayPal.
- Wise.
- Payoneer.
- Skrill.
Some platforms let their tutors set their own rates and take a percentage-based commission. Others set rates on their tutors’ behalf.
Webcam, microphone, past experience and qualifications.
2. Take online surveys
Many companies are interested in the opinions and preferences of Canadians, and they’re willing to pay for them. Sites like Survey Junkie Canada, Swagbucks, Daily Rewards Canada, Lifepoints, and Maru Voice Canada allow you to create a profile for free. In exchange for up to an hour of your time, you’ll receive cash or points that can be redeemed for gift cards. The pay range can be anywhere from $0.50 to $10 per survey. Avoid scam survey sites and services by reading reviews and vetting the platform before you sign up. As a general rule of thumb, never join a survey site that charges you to create a profile.
Age threshold. 13+
Set up. A few minutes to complete your online profile.
Starting cost. Nothing. It’s free to sign up for reputable survey sites.
How easy is it to start? Easy. All you need to do is create a profile and find surveys you qualify for.
5 – 60 minutes per survey, depending on the type.
Some online survey websites have earnings thresholds you must surpass before you can withdraw your earnings. Payment options typically include:
- Electronic funds transfer.
- PayPal.
- Online gift cards.
Avoid scam survey sites and services by reading customer reviews and refrain from joining sites that charge a fee to create a profile.
Computer or mobile devices with access to the Internet, an email account, and a way to be paid online, such as through Paypal.
3. Sell photos to a stock image service
If you enjoy photography and want to start building an online presence as a photographer, selling images to a stock photography service online could be worth your while. Sites like 500px.com, Foap.com, Adobe Stock, Dreamstime, and Crestock allow you to create an account and upload photos. The method and amount of payment will vary depending on which site you choose. In general, you’ll earn more money the more frequently your images are downloaded.
Age threshold. 18+ — though people as young as 14 may be able to register their photos on some sites with permission from a parent or guardian.
Set up. 1 – 2 hours to ensure your digital files meet quality guidelines, upload photos and organize your online portfolio.
Starting cost. It’s often free to create an account on stock image websites. Some platforms offer premium memberships for a fee.
How easy is it to start? Photography experience is beneficial. High-quality photos will increase the odds that your photos will be downloaded and, by extension, your money-earning potential.
It depends. You can upload files of your photos in a matter of minutes, but it may take some time for others to notice and download your photos. If you plan to add to your stock photography portfolio, expect to spend hours taking, editing and processing photos.
Some stock photography websites require contributors to hit a specific earning threshold before they can withdraw funds. Once a payment request is sent, it may take seven to 15 business days to process. Payment options typically include:
- Electronic funds transfer.
- Wire transfer.
- PayPal.
- Payoneer.
- Skrill.
Photographers don’t always retain the copyrights to their work after submitting to a stock website. Check the fine print before you sign up to contribute.
Phone or camera capable of taking high-quality photographs, time, Internet connection and the ability to accept online payment, such as through PayPal.
How to make money offline in Canada
No Internet connection? No problem. You don’t need access to the world wide web to start a side hustle. There are plenty of ways to make money offline.
1. House-sit
Friends or family going out of town? Make some money by offering to house-sit. You may be asked to stay overnight or simply drop in on occasion to water the plants and collect mail. If they’ve got pets that need looking after, bonus! Pet-sitting typically requires a bit more time and energy but could offer more compensation. House- or pet-sitting can be a lucrative way to earn some extra income, and you typically don’t need any special qualifications.
Age threshold. Any, so long as the person you house-sit for thinks you can be entrusted with the task.
Set up. None.
Starting cost. None.
How easy is it to start? Easy.
Opportunities to house-sit may be plentiful or few and far between, depending on your availability, where you live and how well you promote your services.
Expect to be paid when you arrive to begin the house-sitting job or at the end of your stay. Common payment methods include:
- Interac e-Transfer.
- Cash.
- Cheque.
The person you house-sit for may expect regular updates (or photographs of their furry friends, if you’re pet-sitting). Make sure you clarify expectations and preferred communication methods before you begin the job.
Availability when asked to house or pet-sit, ability to travel to and from homes.
2. Walk dogs
If you’re an animal lover, this one’s for you. Not only can you make money walking other people’s dogs, but you’ll also get some exercise out of the arrangement. Win, win. Even if the weather’s crummy, some pet owners will pay you to drop by their home and just hang out with their four-legged friends. Getting paid to play with dogs? Not a bad gig.
Age threshold. Any, so long as the person you’re dog-walking for feels confident in your ability to handle their pet.
Set up. None.
Starting cost. None.
How easy is it to start? Easy — although some pet owners may prefer that you have previous dog-walking experience.
It depends on the needs of your clientele.
You may be paid upfront for each walk or on a set schedule if you have a recurring client. Common payment methods include:
- Interac e-Transfer.
- Cash.
- Cheque.
Some dogs may require special care when out for a walk, like unique harnesses or walking implements, predetermined walking routes, or methods of managing leash-reactive behaviours. Clarify expectations with pet owners before you commit to the job.
Comfortable around dogs, ability to travel to and from pet owners’ houses.
3. Clean houses
This side hustle requires a little more time and elbow grease, but there’s plenty of earning potential here if you’re up to the task. It’s helpful to have your own vehicle for this side hustle, as public transit to and from clients’ homes can be tricky when you’re lugging around a bunch of cleaning supplies.
Age threshold. Any.
Set up. In many cases, you’ll be expected to bring your own cleaning supplies. Before you offer up your services, try to secure a mop, bucket, vacuum, and additional cleaning implements you may need on the job.
Starting cost. None, if you have your own cleaning supplies and transportation.
How easy is it to start? Easy — if you have access to your own cleaning supplies. Some clients may prefer that you have previous cleaning experience.
It typically takes several hours to clean a house, depending on its size.
Expect to receive payment on a per-visit basis, or arrange for scheduled payments for repeat customers. Common payment methods include cash or cheque.
Every home is different, so be prepared to customize your services based on the needs of each client.
Transportation to and from client homes, cleaning supplies.
4. Offer up your landscaping services
Landscaping can span a range of seasons and services, from cutting grass in the summer to raking leaves and shovelling driveways as the weather cools. Going door-to-door is one way to spread the word about your services, but you can also put up fliers and advertise on bulletin boards in local community buildings.
Age threshold. Any.
Set up. None.
Starting cost. None, if you have your own tools.
How easy is it to start? Easy.
Yard work typically takes an hour or two, depending on the nature of the task.
Expect to receive payment on a per-visit basis. Common payment methods include:
- Cash.
- Cheque.
- Interac e-Transfer.
Prepare to modify your offered services based on the weather and season.
Access to landscaping tools.
5. Charge for handy work
If you know your way around a toolbox, you may be able to make some extra cash completing home repairs. This can range from painting trim to fixing a faulty faucet — and everything in between. If you’ve got the know-how, there are plenty of ways to make money with handy work.
Age threshold. Any.
Set up. None.
Starting cost. None, if you have access to tools.
How easy is it to start? Easy — though you’ll likely need to be handy with tools.
Most tasks around the house will only take an hour or two to complete. How frequently you work will depend on how much work is available.
Expect to be paid once you’ve completed a task. Common payment methods include:
- Cash.
- Cheque.
- Interac e-Transfer.
Handy work can be dangerous, especially when working with power tools or systems you’re unfamiliar with, like electrical wiring. Don’t agree to any work you’re not confident you can safely complete.
Access to and proficiency with tools.
6. Sell stuff you don’t need at a garage sale
Selling online can be a hassle. Why not skip the sign-up process and shipping labels in favour of selling your stuff in person? You may not be able to sell everything you’d like to get rid of, but a garage sale can be a lucrative way to give your old things a new home.
Age threshold. Any.
Set up. You’ll need at least a few days to gather items to sell, spread the word and organize your wares.
Starting cost. None, if you have the space to host a garage sale.
How easy is it to start? Garage sales require planning and organization.
About a week.
Expect to be paid immediately as you sell items. Cash is popular, but you can request payment by whatever method you prefer.
Some interested customers may want to haggle, so be prepared to negotiate.
Adequate space to host a garage sale, items to sell.
Ways to make money in different countries
Canadians planning a stretch of time abroad may want to know how to make money as an international visitor. Depending on the length and purpose of the stay, you may need a work visa or permit to make money legally in the US or the UK, for example.
Make money in the US
In addition to the money-making strategies covered above, there are numerous ways to make money in the US:
- Offer a freelance service. Freelancing isn’t just popular in Canada — it’s big in the States, too. Sites like Upwork, Toptal, Guru, Freelancer.com and more may connect you with clients who will pay for your services, like writing, editing, graphic design, marketing and more.
- Become a mystery shopper. Apply to sites like IntelliShop, BestMark and Sinclair Customer Metrics and get paid to help businesses improve their shopping experiences.
- Complete tasks on Amazon’s Mechanical Turk. Sign up to complete online tasks, like tagging images, transcribing videos and more outsourced from various companies.
- Sign up for TaskRabbit. Connect with people looking to outsource odd jobs and tasks, like putting together furniture, running errands and making deliveries by signing up for TaskRabbit.
- Become a research respondent. Sign up with User Interviews as a research participant to get paid for your consumer opinion and experience.
- Take people places. Sign up for Uber or Lyft and make money driving passengers around town.
- Deliver food. Become an Uber Eats, Postmates or DoorDash driver and get paid to deliver takeout.
Make money in the UK
Canadians who want to make money in the UK might consider the following:
- Become a freelancer. Beyond the usual platform suspects like Upwork and Fiverr, check out People Per Hour and Bark — both are freelancing platforms based in the UK.
- Watch video ads. Sign up for services like WeAre8 or Toluna and get paid to watch short video ads.
- Do some data entry. Explore data entry opportunities through sites like Aidey, The Contact Company, Arise and more.
- Transcribe audio files. Get paid to transcribe video and audio files into written text.
- Provide online chat support. Earn money by providing online support for companies that offer a live chat service on their website.
Frequently asked questions about how to make money online
The rate at which you make money — online or off — depends on the type of work you pursue. If you’re looking for fast cash, seek jobs that pay upfront on a per-task basis, like mowing lawns, cleaning houses or dog walking.
There are numerous ways to make money from the comfort of your home. The right task will depend on your availability and skill set. Try mixing and matching different money-making methods until you find what best fits your lifestyle.
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