GTA Online Money Making & Saving Tips


GTA Online Money Making & Saving Tips!

Hello, today I’m going to be sharing with you some money making tips for newer players, I’m on the Xbox One so everything in this guide should work for all platforms, unless specified otherwise.

As of the time of publishing this guide, I am level 278 and have $14.3 million in GTA Online.

Everything in this guide is 100% legitimate so you don’t have to worry about being banned.

Guide version is v2, after receiving feedback from various people and I added in some more money making methods.

Also I’m aware the title image is a little off. It was fine in Office Word 2013, but Google Docs screwed up the formatting. :/

Anyway, hope you find this useful.


These are the best ways to make cash.

When you die, you’ll only lose $5. If you pass, depending on who’s mission you passed you can earn up to $25k.

Obviously, if you’re a low leveled player, you cannot host higher paying missions from Lester/Martin.

However, there is a way to play Lester/Martin missions without being the required level and like joining races/DMs, you can get into them by having a friend/randomer invite you.

Don’t have a friend? Well, keep joining a random contact mission through your phone, or join an “active” crew who regularly hang out.

Undoubtly, Lester and Martin pay the most, most players tend to agree on this.

Check here for a list of Lester missions and Martin missions.


So now, I’ll tell you how to make the most out of missions.


Even though this is common knowledge, the amount of times I’ve joined a random and they have it set to normal.

As the game even tells you, by upping the difficulty, you get more RP and $.

The difficulty modifiers are:


  • 0% extra $ and RP


  • 25% extra $ and RP


  • 50% extra $ and RP



As of patch 1.16 (last gen and newer) mission payouts can vary with how many friends/crew members you have.

  • Two players – 10% Cash
  • Three players – 20% Cash
  • Four players – 30% Cash

So. Self explanatory, but get a group of friends or crew members and do some missions!


This is the worst way to make cash, but on the right missions, this can net you an extra $1,000.

Self explanatory, but after you’ve killed a guy, collect their cash! (if you need ammo, you’ll probably pick up their ammo too).



In “The Los Santos Connection” for Martin, you’ll see crates around the various enemies.

Shoot them open and coke packages will appear.

They’re worth $500 each and there’s usually 2 packs a crates.

In the final part of the mission, there’s a few crates, get there first, and you can make and extra $5k or so off that mission.


Well, say you want to chill out in free roam for a bit.

What can you do to make cash?

Some more tips:


Unless you’re under level 10, you’ll know when a player has a bounty.

They’re marked as a red skull with a cross.

Bounties vary from $1,000 to $9,000.

This, personally I think is the worst way to make cash, as trollers can often dashboard after you kill them preventing you getting their bounty,

Plus, most players WILL attack on sight if they see you coming, in cases of lower paying bounties, you’ll probably waste more cash than the reward you’re getting.

WARNING: If you’re on last gen (PS3/Xbox 360) then you MAY encounter hacked bounties.

I’m unsure if these rumors are true, but if you see a message saying “A bounty of $9705869869 has been set on [player]” then it’s hacked and you should avoid it.  A pic of this can be seen here.



Personally, I’d advise only going after cars that are $7k or more.

You cannot sell cars that cost more than $99k (on the ingame websites, if you’re selling a car you modded, you can sell it for over $99k)), DLC cars, police vehicles, planes, boats.

There are actually some cars that you can find that are already modded and they sell for a lot more.

The most known of these cars are the Gang Tornados, they sell for around $12k.

The most known place for the Gang Tornado to spawn is Grove Street, around midnight, you may see a purple Tornado. If you do, that’s the Gang Tornado. But, don’t expect to see it everytime, it is an uncommon spawn. You can increase the odds by driving a Tornado around that area though.

On PS4, Xbox One and PC, Rockstar added in more modded cars you may encounter. The most expensive vehicle known (or from what I know) is the Chrome Dubsta!

If you ever encounter this car, SELL IT ASAP! It sells for around $40k!

HOWEVER you can only sell ONE car to Los Santos Customs every 48 minutes IN REAL LIFE. (48 mins = 1 ingame day).

Also, a common question asked is “If I log off and come back on an hour later, do I still need to wait 48 mins?

The answer is NO.

Say, you sell a car at 5:30pm, the next time you can sell a car is 6:18pm. REGARDLESS if you’ve logged off or not.

Going off this tactic:


Sounds stupid but works.

If you find a Gallivanter Baller ($9k) and you’ve sold one already, drive it to your garage.

No, you will NOT have to pay insurance on it, as it doesn’t add insurance, it only adds a free tracker.

It’s a nice idea too so if there’s a prick in the lobby who destroys NPC cars, if they destroy yours, they’ll get a bad sport warning. (You cannot claim the vehicle back so be careful)


Since the heist update (or in the PC since its release), a new activity that’s been added is where you just keep killing cops for about 4 minutes.

You’ll get a notification and a purple circle will appear on the map, go there, get a wanted level and lead the police on a chase for 5 minutes.

This is much easier if you have a Armoured Kuruma or a tank.

I’ve always gotten $10k when doing this on my own.

The amount you get paid is determined by the time you get there.

Get there before the timer appears: $10k

4 minutes: $8k

3 minutes: $6k

2 minutes: $4k

Last minute: $2k.


Occasionally, you’ll see an armored truck appear on the radar.

Now, the truck may spawn next to another player.

If you’re lucky enough to have these spawn next to you, simply put a sticky bomb on the BACK DOORS and detonate.

Run out and pick up the dropped cash.

They pay anything between $7k and $20k from personal experience.

Oh, you’ll also get a free 2 star wanted level too.


Introduced in the “Independence Day DLC” (launch for X1/PS4/PC) you may occasionally get a “invite” from Lester saying “KILL TARGET”. If you accept that invite, you’ll see a red dot appear on your map.

This person is an NPC. Usually driving a Cavalcade.

If you kill the NPC, you’ll get anything between $3k -> $9k,


I’ve been doing these a lot.

Daily Objectives pay $25k and 3,000RP!

You’ll be given 3 optional tasks to do, which upon completion, grant you the award above.

These tasks WILL vary.

One day, you may have something simple, like go to the movies, call an ammo drop and the next may require a friend……. or a random person.

If you do them all for a week straight, you’ll be gifted $100k and 15,000RP!!

Do them for 28 days straight and you’ll get $500,000 and 50,000RP!


As I said, the tasks will vary. Some you can do solo, like do a race or fly under a bridge during a race. Some may require you to have a friend or random person, like kill a player off the radar, collect a bounty etc.



Occasionally, you’ll see a green circle appear on your map.

This circle indicates a crate drop. Do NOT go there right away, as they are very glitchy and a known (and no one knows if it’s fixed yet) glitch is if anyone goes to the area before the crate drops, the crate will not drop.

You’ll get a notification saying “Crate Drop Inbound” when the crate drops. Then the green circle will disappear and be replaced with a small green square icon with a “?” on it.

The crate is usually guarded by “Arms Smugglers”, kill them, shoot the crate and you’ll see something flash. Walk into it and you’ll claim your reward!

The rewards vary. I this picture, I only got $3000 and 500RP. Other crates may reward you with weapons, more cash or RP etc.

Occasionally, usually AFTER a new DLC, Rockstar unlocks “Special Crates” which may contain limited edition DLC clothing (not purchasable) access to the Minigun (even if you’re under level 120) and huge cash and RP.



Quite similar to missions, I’ll list some ways to get the most cash out of heists.


Even though this is common knowledge, the amount of times I’ve joined a random and they have it set to normal.

As the game even tells you, by upping the difficulty, you get more RP and $.

(Directly copied from the missions section, this applies to heists too)


Regardless how much your cut is in the heist, by beating it for the first time, you WILL get a $100,000 bonus REGARDLESS if you beaten it on easy or hard or if your cut was 20% or 70%.

So by beating all 5 heists, you’ll get at least $500k.



This is probably most common with randoms, but if your cut isn’t worthy, don’t stay.

There have been reports of some people joining heists with random players and the host sets themselves something like 70% and everyone else 10%.

For example, in the Prison Break heist, it pays $500,000 on hard. If the host gives themselves 70%, then he’s/she’s getting $350,000 while everyone else gets $50,000. Is that fair? No. Not at all.

If you see anyone being tight about cuts, just leave.


In my honest opinion, a fair cut in heists would be either 40% (Host) – 20% – 20% – 20%.


Well, the host has to pay for the heist themselves AND they do NOT get paid during the setups.

If the host is generous, then set it 25% all. But the host will make the least cash out of this.


Regardless if you do them with the same people or not, you WILL get a $1,000,000 bonus for beating all the heists and their setup missions IN ORDER.


That means starting from Fleeca all the way to Pacific Bank. No “I’ll help my friend with Humane while I’m on the last setup for Pacific.”


The game even warns you before you join a lobby about it, if you choose yes, then you will need to restart from Fleeca.


If you manage to do all the heist setup missions in order with all the same crew members (regardless if you’re the host or crew member) you’ll get an extra $1,000,000 upon completion of the Pacific Bank heist.


Like the “All In Order” challenge, if you decide to go and help out someone else, you’ll get a warning saying if you continue, your progress will be reset.



I only recommend this for PROFESSIONAL players who know good combat strategies.

The Criminal Mastermind challenge requires you to do ALL heists and the setup missions IN ORDER without ANYONE dying.

By completing this, you get $10,000,000!!! That’s right 10 million dollars!

It doesn’t matter if you fail a setup, only if you die. If you or anyone on your team do die, well, it’s back to Fleeca for you.

But as I said, this I only recommend for players who are good in combat and have a fantastic team.

This is a very stressful task. So I wouldn’t try this challenge right off the bat.


Now that we’ve covered some money making tips, let’s go over some money saving tips.


Until you hit level 120, you’ll pretty much unlock something every time you level up. Car mods and clothes usually.

Do NOT buy them just because you’ve unlocked them.

I’m not saying don’t look at them, by all means do, but don’t buy them just because you unlocked them.

Same goes for DLC weapons, as they don’t have a level requirement, hell in SP on X360/PS3, you get the weapons automatically put in your inventory (on last gen) (Exc heists update)

Do I really need chrome on your car?

Do I really need to buy that Buzzard?

Am I ever going to wear this outfit?

Ask yourself these questions before buying.

I personally have my Adder fully modded, as I use it for racing and my Infernus barely modded, as I use it primarily in free mode, my Bati 801 is also heavily modded, while my Bagger is not.


Here is a list of the CHEAPEST apartments and garages

(Based on interior)

Location/Name Apartment or garage? Garage Space Cost Can you host heists?
Unit 124 Popular St Garage 2 $25,000 NO
870 Route 68 Approach Garage 6 $62,500 NO
0112 S Rockford Dr. Apt 13 Apartment 2 $80,000 NO
1623 South Shambles St Garage 10 $105,000 NO
The Royale, Apt 19 Apartment 6 $125,000 NO
Del Perro Heights Apartment 10 $200,000 YES


Remember, you can have up to 3 properties. I personally have one high end apartment and 2 10 car garages.

Also as a reminder, any apartment with a 10 car garage can host heists, providing you’re over level 12.



If you want to try out a car, mod it up in single player and take it for a spin.


Well, in SP, providing you’ve beaten the story, you should have about $20 mil across on all characters.

That’s more than enough to fully mod out an Adder. That and the fact LSC is like 90% off in SP. (Seriously, gold paint is $50k in GTA: O, about $1k in SP)

If you think the car suits your needs, by all means buy it.

Don’t go and buy a car because it looks good.

Likewise with the weapons.

On PS3/Xbox 360, you automatically get DLC weapons put in your inventory and all DLC vehicles are added to Michael, Trevor and Franklin’s garage.

On PS4/Xbox One/PC you get DLC weapons added to Ammunation.

Some DLC weapons, such as the Homing Missile Launcher, cost a lot, like $60k. Others, like the Flare Gun cost a small amount, like $5k.



Some of you may like to get into freeroam fights.

However, since you lose $500 upon every death, that $500 could turn into $5,000 very quickly.

That’s not including ammo costs.

Every time I get into a freeroam fight, I usually end up forking out around $10k for all my ammo.

Now griefers.

We know these people.

Usually being cowards in a tank or in a jet.

The second you see one, ENTER PASSIVE.

Do you want to be spawn killed?

Well, you will be unless you enter passive.

Don’t even bother taking them on either.

It’ll cost you around $3k to take them down and it’ll cost them $200 for another tank.


Yes, I know how frustrating it is to have someone in an armored Kuruma or Insurgent try and kill you.

Yes, the only way to get them back is to blow them up.

But is it worth paying up to $16,000 for it?

No.  Not at all.

Some vehicles are really cheap to destroy but since 95% of GTA players drive cars that have insurance over $5k, not really worth it.



Lets get onto some “myths” about cash.

Myths, in this sense, is a widely spread rumor, with some people believing them and others not believing them.



A half truth.

As for patch 1.16 (on PS3/Xbox 360) or launch (PS4/X1/PC) mission payouts are determined by difficulty and how long you take.


The mission payout usually caps around 8 minutes, BUT it is much better and faster to try and complete missions as soon as possible.

For example, Rooftop Rumble for 15 minutes could net you $24k while doing it for 4 minutes nets you $16k. (or somewhere in that region) So, by doing Rooftop Rumble twice (around 4 mins both times) nets you $16k, times that by 2, gives you $32k in 10 minutes. (Including loading times) While 15 minutes nets you $24k.

To get the most out of missions, try and do EVERY mission around the 4 minute mark NOT 10. NOT 15. NOT 20.


If someone has a bounty and they’re in their personal vehicle, you CAN destroy their car without paying insurance or getting Bad Sport points.

If you DO get bad sport points, it’s likely they were driving their friends car.

And if you have a bounty and someone destroys your car, usually, when calling up Mors Mutual, they’ll say “NO CHARGE” so you can recover your car for free.


This applies mostly to Xbox 360, PS3 and PC.

If you encounter a hacker and he’s giving everyone $100 million, check your transactions, leave and email Rockstar.

Usually they’ll ask for proof (attach a screen of the modder to, if possible and your bank transactions, go to Maze Bank’s site then check transactions) and R* will usually get rid of all your modded cash.

Providing you DON’T go around spending it all or giving it to your friends, nothing will happen to you.

If R* support are being lazy, usually sending them a Tweet @RockstarSupport will make them check your ticket and get it resolved.

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