How to Make Money Online in Kenya: Apps, Strategies & Proven Methods

Are you tired of the traditional 9-5 grind? Looking for ways to supplement your income or completely transform your financial situation? You’re in the right place.

Making money online in Kenya has never been more accessible than it is today.

With the rise of digital platforms, improved internet connectivity, and mobile money solutions like M-Pesa, Kenyans now have countless opportunities to earn income from the comfort of their homes.

I’ve spent years testing various online income streams in Kenya, and I’m excited to share what actually works – no fluff, no false promises, just actionable strategies that can help you start earning today.

Whether you’re a student, a stay-at-home parent, a full-time employee looking for a side hustle, or an entrepreneur seeking to expand your income sources, this guide will provide you with proven methods to make money online in Kenya.

What You’ll Need to Make Money Online in Kenya

Before jumping into the various money-making methods, let’s discuss the essentials you’ll need to succeed in the online space:

Essential Tools:

• A reliable internet connection – This is non-negotiable. While 4G is widespread in Kenya, consider investing in a stable home internet connection if you plan to make this a serious income source.
• A smartphone or computer – Most online opportunities are accessible via smartphone, but a laptop or computer will give you more versatility for tasks like freelancing or digital marketing.
• Digital payment options – Set up M-Pesa, PayPal, and/or a bank account that supports international transfers. Many online platforms pay via these methods.
• Basic digital skills – Familiarize yourself with email, social media, and basic internet browsing. The more comfortable you are with technology, the more opportunities you’ll be able to explore.

Mindset Requirements:

Building income online isn’t about getting rich quick. To succeed, you’ll need:

• Patience and persistence – Income often starts small and grows over time.
• Willingness to learn – The digital landscape changes rapidly, and continuous learning is essential.
• Consistency – Regular effort yields better results than sporadic bursts of activity.
• Focus – Concentrate on mastering one or two methods rather than trying everything at once.

Once you have these basics in place, you’re ready to start exploring specific strategies for how to make money online in Kenya.

Read also: 12 Profitable Ways to Make Money Online in Kenya Through M-Pesa

Proven Ways to Make Money Online in Kenya

1. Freelancing on Global Platforms

Freelancing allows you to offer your skills to clients worldwide. Here’s how to get started:

Step 1: Identify your marketable skills

Take inventory of what you’re good at. Popular freelancing skills include:

• Writing and content creation
• Graphic design
• Web development
• Virtual assistance
• Social media management
• Translation (especially Swahili-English)
• Data entry

Step 2: Create profiles on freelancing platforms

Sign up on platforms like:

• Upwork
• Fiverr
• Freelancer
• PeoplePerHour
• Toptal (for high-end skills)

Step 3: Build a compelling portfolio

Create samples of your work even if you haven’t had paying clients yet. This demonstrates your abilities to potential clients.

Step 4: Start bidding on projects

Begin with smaller projects to build your reputation. As you collect positive reviews, you can gradually increase your rates.

Step 5: Deliver quality work consistently

Satisfied clients often become repeat customers and provide referrals, which are gold in the freelancing world.

Tips for freelancing success:

• Research market rates for your skills to avoid underpricing yourself
• Communicate professionally with clients, even when there are challenges
• Meet deadlines consistently to build trust and reliability
• Specialize in a niche to stand out from generalist competitors

Many Kenyan freelancers start earning $5-10 per hour and progress to $20-50+ as they gain experience and reputation.

2. Content Creation and Monetization

Creating content that resonates with an audience can generate significant income over time.

Step 1: Choose your content format and platform

Decide what type of content creator you want to be:

• YouTube videos
• Blog posts
• Podcasts
• Social media content (Instagram, TikTok, Twitter)

Step 2: Select a niche relevant to Kenyan or global audiences

Popular niches include:

• Kenyan lifestyle and culture
• Tech reviews and tutorials
• Financial literacy
• Cooking and recipes
• Travel guides for local destinations
• Educational content

Step 3: Create consistent, high-quality content

Establish a regular posting schedule and focus on providing value to your audience.

Step 4: Build your audience

Engage with your followers, collaborate with other creators, and use relevant hashtags to increase your reach.

Step 5: Monetize your content

Once you’ve built an audience, you can earn through:

• Ad revenue (YouTube Partner Program, Google AdSense for blogs)
• Sponsored content from Kenyan and international brands
• Affiliate marketing (promoting products and earning commissions)
• Selling digital products (e-books, courses, templates)
• Memberships and subscriptions for premium content

Key considerations:

• Content creation requires time to build momentum
• Consistency is crucial for audience growth
• Authenticity resonates more than copying trending styles
• Invest in basic equipment (like a decent microphone) to improve quality

Many successful Kenyan content creators earn between KSh 50,000 to KSh 300,000+ monthly, with top creators making significantly more.

3. Mobile Apps for Earning Money in Kenya

Several apps specifically designed for the Kenyan market can help you earn extra income.

Step 1: Download legitimate money-making apps

Here are the top 10 mobile apps for earning money in Kenya:

1. Upwork: A freelancing platform where you can offer services like writing, graphic design, and programming. Earning potential: Ksh 10,000 – Ksh 100,000+ per month.
2. Fiverr: Another freelancing platform where you can sell your skills starting at $5 per task. Earning potential: Ksh 5,000 – Ksh 50,000+ per month.
3. Swagbucks: Earn money by taking surveys, watching videos, and completing tasks. Earning potential: Ksh 1,000 – Ksh 10,000+ per month.
4. TikTok: Build a following and earn through brand deals, sponsorships, and live gifting.
5. Foap: Sell your photos to brands and individuals worldwide. Earning potential varies based on photo sales and missions.
6. Jumia: Earn commissions by promoting products through Jumia’s affiliate program.
7. Jia: Similar to Jumia, earn commissions by promoting products through Jia’s affiliate program.
8. Kinim Mall: Another e-commerce platform where you can earn by promoting products and earning commissions.
9. Toluna: Participate in online surveys to earn money. Earning potential varies based on survey participation.
10. Premise: Earn money by completing tasks such as surveys and sharing local information.

These apps offer various opportunities for freelancing, e-commerce, content creation, and more, allowing Kenyans to earn money online.

Step 2: Complete your profile thoroughly

Provide accurate information to receive relevant opportunities.

Step 3: Complete available tasks consistently

Tasks might include:

• Filling out surveys
• Taking photos of products or locations
• Mystery shopping
• App testing
• Simple data entry

Step 4: Cash out your earnings

Most apps allow withdrawal to M-Pesa once you reach a minimum threshold.

Important warnings:

• Avoid apps that request payment to join or complete tasks
• Research any app before downloading to verify legitimacy
• Be cautious with personal information shared on these platforms
• Set realistic expectations – most apps provide supplementary income, not full-time wages

These apps typically provide earnings of KSh 5,000 to KSh 20,000 per month, depending on time invested and task availability.

Read also: How to Make Money on the SOYO App in Kenya

4. E-commerce and Online Selling

Kenya’s e-commerce scene is growing rapidly, offering opportunities to sell products online.

Step 1: Decide what to sell

Consider:

• Handmade crafts or art
• Imported products (dropshipping)
• Local products with global appeal
• Digital products (e-books, templates, courses)
• Services packaged as products

Step 2: Choose your selling platform

Options include:

• Jumia or Kilimall for reaching Kenyan customers
• Etsy for handmade items and crafts
• Amazon for reaching international customers
• Instagram and Facebook Marketplace for social selling
• Your own website (using platforms like Shopify or WooCommerce)

Step 3: Set up your online store

Create compelling product descriptions, take high-quality photos, and set competitive prices.

Step 4: Establish reliable logistics

Determine how you’ll handle:

• Inventory storage
• Order fulfillment
• Shipping and delivery
• Returns and customer service

Step 5: Market your products

Use social media, content marketing, and possibly paid advertising to drive traffic to your store.

Common challenges and solutions:

• Inventory management – Start small and scale gradually
• Cash flow – Consider pre-orders for expensive items
• Customer trust – Provide excellent service to build reputation
• Competition – Find unique products or provide superior service

E-commerce earnings vary widely, from KSh 10,000 monthly for beginners to KSh 500,000+ for established sellers.

Tips for Success When Making Money Online in Kenya

After years of experience in the Kenyan digital economy, I’ve identified several factors that separate successful online earners from those who struggle:

1. Develop a Specialized Skill Set

Being a specialist is more profitable than being a generalist. Focus on developing expertise in one or two areas rather than trying to offer everything to everyone.

For example, instead of being a “general writer,” become a “SaaS email marketing specialist” or a “health and wellness content expert.”

2. Understand International Business Etiquette

When working with clients from different cultures:

• Be punctual and respect deadlines
• Communicate clearly and professionally
• Understand time zone differences
• Adapt to different communication styles

3. Invest in Your Knowledge and Tools

The most successful online earners continuously upgrade their skills and tools.

• Take online courses to develop new skills
• Invest in essential equipment (better computer, microphone, etc.)
• Subscribe to relevant software that improves your efficiency
• Join communities where you can learn from peers

4. Build a Strong Personal Brand

Your personal brand is your reputation in the digital space:

• Create a professional online presence
• Share your expertise through content
• Network with others in your field
• Collect and showcase testimonials

5. Diversify Your Income Streams

Don’t rely on a single platform or client.

• Combine active income (freelancing) with passive income (content creation)
• Work with multiple clients rather than depending on just one
• Use different platforms to reach various audiences
• Create products that can generate income while you sleep

6. Understand Local Tax and Legal Requirements

Many Kenyans overlook this crucial aspect:

• Register your online business if earnings exceed KRA thresholds
• Keep records of all income and expenses
• Understand digital service tax implications
• Consider consulting with a tax professional

Common Mistakes to Avoid When Making Money Online in Kenya

Learning from others’ mistakes can save you time, money, and frustration. Here are the most common pitfalls to avoid:

1. Falling for Get-Rich-Quick Schemes

If it sounds too good to be true, it probably is.

Many Kenyans lose money to schemes promising overnight riches. Legitimate online income takes time to build.

Red flags to watch for:

• Promises of earning “KSh 50,000 daily with no effort”
• Requirements to pay before you can earn
• Vague explanations of how the money is actually made
• Pressure to recruit others to make money

2. Neglecting to Build Multiple Income Streams

Relying on a single platform or client is risky.

I’ve seen many Kenyans devastated when:

• Their Upwork account gets suspended
• A major client suddenly stops sending work
• A platform changes its algorithm or payment structure

Solution: Always work on developing at least 2-3 different income sources.

3. Underpricing Your Services

Many Kenyans charge too little for their work, leading to:

• Burnout from overworking
• Inability to scale their business
• Attraction of low-quality clients

Better approach: Research market rates and gradually increase your prices as you gain experience and testimonials.

4. Ignoring the Power of Networking

Success online often comes through connections.

• Join relevant Facebook groups and LinkedIn communities
• Attend virtual and in-person networking events
• Collaborate with complementary service providers
• Build relationships with potential clients before you need them

5. Inconsistency in Effort

The most common reason for failure in making money online in Kenya is giving up too soon.

Online income typically follows a “hockey stick” growth pattern – slow growth at first, followed by acceleration once you’ve established yourself.

Troubleshooting Common Challenges When Making Money Online in Kenya

Even with the best preparation, you’ll encounter obstacles. Here’s how to overcome them:

Challenge 1: Payment Issues

Problem: Many international payment platforms have limitations in Kenya.

Solutions:

• Use a combination of PayPal, Payoneer, and Wise (formerly TransferWise)
• Consider cryptocurrency for international payments
• Establish clear payment terms with clients before starting work
• Invoice promptly and follow up professionally on late payments

Challenge 2: Internet Reliability

Problem: Internet outages can disrupt work and cause missed deadlines.

Solutions:

• Invest in backup internet options (different providers, mobile hotspot)
• Complete work ahead of deadlines when possible
• Communicate promptly with clients when facing connectivity issues
• Have a backup work location (co-working space, café with Wi-Fi)

Challenge 3: Client Acquisition

Problem: Finding consistent clients can be challenging.

Solutions:

• Optimize your profiles with keywords clients search for
• Ask satisfied clients for referrals and testimonials
• Create content that demonstrates your expertise
• Participate in relevant communities where potential clients gather
• Consider cold outreach via personalized emails or LinkedIn messages

Challenge 4: Work-Life Balance

Problem: Online work can blur boundaries between work and personal life.

Solutions:

• Set defined working hours
• Create a dedicated workspace
• Use time management techniques (Pomodoro, time blocking)
• Schedule regular breaks and days off

Alternative Approaches to Making Money Online in Kenya

Different strategies work better for different people. Here are some alternative approaches worth considering:

1. Online Trading and Investments

What it involves: Trading stocks, forex, or cryptocurrencies, or investing in digital assets.

Best for: Those with analytical skills and risk tolerance.

Getting started:

• Educate yourself thoroughly before investing
• Start with small amounts you can afford to lose
• Use reputable platforms like Chipper Cash, Binance, or local options like EGM Securities
• Consider copy trading platforms where you can mirror experienced traders

Potential returns: Highly variable, from losses to significant gains.

2. Remote Employment

What it involves: Working as a full-time employee for international companies.

Best for: Those seeking stability and benefits.

Getting started:

• Create profiles on remote job platforms like We Work Remotely, Remote.co, and LinkedIn
• Target companies known for hiring internationally
• Highlight your skills and experience relevant to remote work
• Prepare for video interviews and remote work assessments

Potential earnings: KSh 70,000 to KSh 300,000+ monthly, depending on role and company.

3. Digital Product Creation

What it involves: Creating and selling digital products like templates, courses, or software.

Best for: Those with specific expertise to share.

Getting started:

• Identify a problem you can solve for a specific audience
• Create a high-quality digital product addressing that problem
• Set up a sales platform (own website, Gumroad, SendOwl)
• Market your product through content marketing and targeted advertising

Potential earnings: From KSh 10,000 monthly to unlimited, depending on product value and marketing.

4. Micro-Entrepreneurship

What it involves: Starting small online businesses that can grow over time.

Best for: Those with entrepreneurial mindset and varied interests.

Examples:

• Setting up niche websites monetized with affiliate marketing
• Creating and selling print-on-demand merchandise
• Offering specialized services to local businesses (e.g., social media management)
• Becoming a reseller for established brands

Potential earnings: Initially KSh 5,000-20,000 monthly, growing to KSh 100,000+ with scale.

Conclusion: Your Path to Making Money Online in Kenya

The opportunities for making money online in Kenya have never been more abundant or accessible. The key is to approach these opportunities with the right mindset: patience, persistence, and a willingness to learn.

Remember that most successful online earners started small. They faced the same challenges you might be facing now – limited resources, knowledge gaps, and uncertainty. What set them apart was their commitment to keep going, keep learning, and keep improving.

I encourage you to:

1. Start today with whatever resources you have
2. Focus on providing value rather than making quick money
3. Build skills that remain relevant in a changing digital landscape
4. Connect with communities of like-minded Kenyans
5. Be patient with your growth while remaining consistent in your efforts

The digital economy offers unprecedented opportunities for financial independence and growth. By applying the strategies outlined in this guide, you can create income streams that fit your skills, interests, and lifestyle.

Your journey to making money online in Kenya starts now. What will you do first?

Frequently Asked Questions About Making Money Online in Kenya

How much money can I realistically make online in Kenya?

Earnings vary widely based on your skills, time investment, and chosen methods. Beginners typically start with KSh 5,000-20,000 monthly, while experienced professionals can earn KSh 100,000-500,000+ monthly. Some exceptional cases earn even more.

Do I need to pay taxes on money earned online?

Yes. According to KRA regulations, income earned online is taxable. If you earn above the tax threshold, you should register for a KRA PIN and file returns. Consider consulting with a tax professional for specific advice.

What’s the fastest way to start making money online in Kenya?

Freelancing typically offers the quickest path to earning. Platforms like Upwork, Fiverr, and even local options like Ajira Digital can connect you with paying clients within days of creating your profile.

Is it possible to make money online in Kenya without any initial investment?

Yes, many methods require only a smartphone and internet connection to start. However, investing in basic tools and education can accelerate your progress significantly.

How can I avoid scams when looking for online opportunities?

Research thoroughly before committing time or money, avoid opportunities requiring upfront payment, check reviews and testimonials, and trust your instincts if something seems suspicious.

Do I need to know coding or technical skills to make money online?

No. While technical skills can open certain opportunities, many online income methods require no coding knowledge. Content creation, virtual assistance, and many forms of e-commerce can be started without technical expertise.

How long does it take to build a sustainable income online?

Most successful online earners take 3-6 months to establish consistent income and 1-2 years to build substantial earnings. Patience and persistence are essential.