The short answer
Todo and Earn is a free to-do list for iPhone, iPad and Android that pays a coin for each task you finish, up to ten a day. 1,000 coins is $1.00, and the first cash-out to PayPal is at 2,000 coins ($2.00). There is no sign-up: your list and your coins are kept on the phone.
Screenshots
Everything for Todo and Earn
- Our four reward apps compared: how long each one takes to reach its first $2.00.
- Apps like Todoist: free, yearly or paid once.
- Todoist’s free tier: the free tier and what Pro adds.
- Apps like Swagbucks: cash-out terms compared.
- When a reward app shuts down: what becomes of the balance you built up.
- How rewards work: how coins are earned, and how PayPal redemption works.
About Todo and Earn
Todo and Earn is a straightforward to-do list with one difference: finishing a task pays. Add a task, set a due date, and get a reminder on the morning it is due. Complete it and you earn a coin, and coins convert to real PayPal money.
It is built for lists you actually keep. Repeating tasks roll forward when you finish them instead of cluttering the list with copies. Any task can carry notes that preview in the list, deletes can be undone, and the whole list can go out through the share sheet. There is a tablet split view on an iPad and on an Android tablet alike, and both light and dark themes. No account, no sign-up. Open it and start.
The reward is small. It's a bonus for building a habit, not an income. Coins are capped at ten earning tasks a day, 1,000 coins is $1.00, and payouts start at 2,000 coins ($2.00). With the optional videos, consistent use gets you to a first payout in roughly a month. The app is paid for by advertising: a banner, and short videos. A finished task pays one coin, and a video after it adds three to nine more. You never need one to complete a task, but on finished tasks alone the ten-task cap puts a first payout most of a year away.
How it works
- Add a task, set a due date and an optional time, and let the app remind you.
- Complete the task to earn a coin — up to ten coin-earning tasks a day.
- Check Earn History for your completed tasks, coins earned, and daily streak.
- Cash out to PayPal at 2,000 coins ($2.00), then at 5,000 ($5.00).
Features
- A coin for every task you complete, up to ten a day
- Due dates with an optional time — a reminder on the dot, or at 9:00 AM when you set only a day
- Repeating tasks — daily, weekly, every two weeks or monthly — that roll forward when finished
- Notes on any task, previewed right in the list
- Undo on delete, and a share sheet for your whole list
- Earn History with completed tasks, coins earned, and your daily streak
- A tablet split view on iPad and Android, plus light and dark themes
- No account and no sign-up required
- First cash-out at 2,000 coins ($2.00), then 5,000 ($5.00)
- On an unfolded iPhone Duo or an iPad in landscape, Earn History puts your numbers beside your history, and a task you were editing stays open through a fold
What it actually pays
The arithmetic here is the simplest of the four and we would rather you saw it than guessed. A coin per completed task, capped at ten coin-earning tasks a day, is 10 coins on a full day. A coin is a tenth of a cent and the first cash-out is 2,000 coins, or $2.00. Derived: about 200 days — most of a year — on finished tasks alone.
A video adds three to nine coins to a task already completed. Taken after each one, a full day is 40 to 100 coins, bringing the same $2.00 in roughly 20 to 50 days. That is a fivefold to tenfold difference, and it's how an ad-funded reward app works. The tasks are the reason to open it, and the advertising pays for the coins.
We show you that gap rather than averaging it away. Averaging is the move we criticize on the Mistplay payouts page, where a homepage advertises an average across a distribution its own terms say is deliberately unequal. A to-do list that pays you is a nice nudge to finish things. It is not an income, and 200 days is what that sentence means in numbers.
Frequently asked questions
Is Todo and Earn free?
Yes. No subscription and no in-app purchases - it's funded by advertising, a banner and optional short videos, and the coins are a share of that revenue. Your list works exactly the same if you never watch one.
What do I need to run it?
An iPhone or iPad running iOS 15.0 or later, or an Android phone or tablet. There's a split view on a tablet either way. The App Store rates it 4+ and Google Play rates it Mature 17+, the widest gap of our four. That's about the cash reward, not anything in a to-do list; the listing carries a Cash Rewards label beside it.
How many coins can I earn a day?
Up to ten tasks a day earn coins, at one coin each. You can add as many tasks as you like beyond that — they just stop earning once you hit the daily cap. Completing a task never needs a video. Watching one adds 3 to 9 coins to a task you've already finished, so the most a day can pay is 100 coins.
How much do I need to cash out?
2,000 coins, which is $2.00, the first time. After that it's 5,000 coins, or $5.00, because PayPal's per-transfer fee eats a large share of a $2.00 payment. Fewer, larger payments leave more of the money with you. Coins convert at 1,000 to $1.00. Taking the videos, a first payout is roughly a month of consistent use; on finished tasks alone it is most of a year. Either way it's a bonus for building a habit rather than an income.
How do I get paid?
Through PayPal. You redeem your coin balance from inside the app.
Do I need an account?
No. There's no sign-up and no account to create. You open the app and start adding tasks.
Do repeating tasks clutter up my list?
No. A task set to repeat daily, weekly, every two weeks or monthly rolls forward to its next due date when you finish it, rather than leaving a copy behind.
Is there an Android version?
Yes, it's on Google Play now, and so are the other three reward apps. Same list, same coin per task and the same ten-a-day cap, with the split view on a tablet. An Android build was the single most requested thing we got asked for, which is what moved all four onto the store.
Do my tasks or coins move between phones?
No. There's no account, so nothing syncs. Your list and your coin balance both live on the device. An iPhone balance and an Android balance are separate, and each needs to reach 2,000 coins on its own. That's the trade for not asking you to sign up. Cash out before you switch phones, and use the share sheet if you want the list itself to come with you.
How does it compare to Todoist?
It doesn't, really. Todoist is a full task manager, free for up to five projects and $7 a month or $60 a year for Pro. Todo and Earn is a plain list that pays a coin for each of up to ten tasks a day. If you want a serious to-do app, we compared Todoist with six of them, and ours, in apps like Todoist, with our interest declared at the top.
Who makes Todo and Earn?
Illumination Development, L.L.C., an independent developer based in Phoenix, Arizona. James Krupnik builds the apps and writes this site; the about page says more. The same company publishes three other reward apps and fourteen apps that pay nothing.
Is Todo and Earn legit?
Judge it on the terms rather than on us. You never pay anything: no purchase, no subscription and no deposit, and payouts are funded by the ads in the app. The cash-out rules are written out in our terms, coins don't expire, and we charge no fee on a payout. It is pocket money, not income. Are reward apps safe? covers what to check in any app like this one, ours included.
How long does a PayPal payout take?
Normally three to five business days after you confirm the redemption in the app, sent to the PayPal address you enter. We may hold a payment briefly while we check the activity behind it, and we tell you if we do.
Why can't I cash out yet?
Usually one of four things. The balance is under 2,000 coins for a first payout, or under 5,000 after that. You need to be 18 or older to receive a PayPal payment. A payment can be held briefly while the activity is checked. Or the PayPal address entered was wrong, so check it before you confirm. If none of those fits, write to support with the PayPal address you redeemed to and the date.
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