Making money in Grand Theft Auto Online can feel like a full-time job, especially if you're playing solo. But with the right grind routes, you can maximize your earnings without relying on a crew. Whether you're saving up for a new property, a fancy car, or just want to stack your GTA 5 accounts with cash, these eight solo money loops will help you earn efficiently.
VIP Work & Sightseer Combo
If you're just starting out, VIP Work is one of the easiest ways to make money solo. Register as a VIP (or CEO) and alternate between Headhunter and Sightseer. Each mission takes about 5-10 minutes and pays around $20,000-$25,000. The cooldown for Headhunter is just 5 minutes, so you can run Sightseer in between for a steady income.
Vehicle Cargo (I/E) Grind
Import/Export remains one of the best solo money-makers. Steal and sell high-end cars (like the T20 or X80 Proto) for $80,000 profit per sale. Avoid damage to maximize earnings, and while you're on cooldown, run VIP Work or Client Jobs.
Nightclub Safe AFK Method
For passive income, set up your Nightclub with all five technicians assigned to different businesses (Cargo, Guns, Coke, Meth, and Cash). The Nightclub safe fills up over time—even while you're AFK. Just make sure to sell before reaching $250,000 to avoid raids.
Bunker Sales (Single Vehicle Only)
A fully upgraded Bunker produces $210,000 worth of stock every 2.5 hours. Sell solo by ensuring you only have one batch of supplies (resulting in a single delivery vehicle). Phantom Wedge or Insurgent missions are the easiest to complete alone.
Cayo Perico Heist (Solo Speedrun)
The Cayo Perico Heist is the ultimate solo money grind. With practice, you can complete setups and the finale in under an hour, earning $1.3M-$1.8M per run. Scope the drainage tunnel entry, grab the primary target, and escape via the main dock or swimming away.
Payphone Hits (Agency Work)
After buying an Agency, Payphone Hits become a quick $85,000 every 20 minutes. The "The Deal" and "The Hitman" missions are especially easy to complete in under 5 minutes.
Hangar Cargo (Narcotics Method)
While Hangar sales are usually group-dependent, sourcing Narcotics solo can still be profitable. Sell after 25 crates (guaranteeing one vehicle) for $525,000. It’s a slower grind but great for diversifying income.
Time Trial & Daily Objectives
Don’t overlook small payouts. Weekly Time Trials pay $100,000 for completion, and Daily Objectives can add up over time. Combine these with other methods for extra cash.
Final Tips for Solo Grinding
Avoid raids by selling businesses before they get too full.
Use an Oppressor Mk II or Sparrow for faster travel between missions.
If you're short on time, some players opt to buy GTA V modded account with pre-setup businesses, though grinding yourself is more rewarding.
Stick to these loops, and you'll see your bank account grow fast.