Calculate exactly how long to earn any amount in GTA Online. Enter your target, playtime, and owned businesses for a personalized grinding strategy with $/hour breakdowns.
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GTA Online Money Calculator
Calculate exactly how long it will take to reach your money goals. Get personalized strategies based on your playstyle and owned businesses.
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How much money do you want to make?
Hours Per Day
How many hours can you play daily?
Owned Businesses
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All Money-Making Activities (2025 Rates)
Cayo Perico Heist
$1.5M/hr
The most profitable solo heist in the game. Complete in ~1 hour for $1.3-1.9M.
Requires: Kosatka Submarine
Diamond Casino Heist
$1.0M/hr
Requires 2+ players. $1-2M potential per heist.
Requires: Arcade
Acid Lab Sales
$250K/hr
Sell acid in a single delivery vehicle.
Requires: Acid Lab
Vehicle Cargo (I/E)
$240K/hr
Source and sell high-end vehicles for $80K profit each.
Requires: Vehicle Warehouse
Bunker Sales
$210K/hr
Sell manufactured weapons. Best with friends for larger sales.
Requires: Bunker
Agency Security Contracts
$200K/hr
Various security missions paying $30-70K each.
Requires: Agency
Special Cargo
$200K/hr
Buy low, sell high. Large warehouse = bigger profits.
Requires: CEO Office + Warehouse
Salvage Yard Robberies
$200K/hr
Rob vehicles for parts and profits.
Requires: Salvage Yard
Agency Payphone Hits
$180K/hr
Quick $45K per hit with bonus ($15K without). 15-minute cooldown.
Requires: Agency
Auto Shop Contracts
$180K/hr
Steal and deliver vehicles for good payouts.
Requires: Auto Shop
MC Cocaine Sales
$168K/hr
Best MC business. $840K for full upgraded stock.
Requires: Cocaine Lockup
VIP/CEO Work
$150K/hr
Headhunter, Sightseer, and other quick jobs.
Requires: CEO Office
Taxi Work
$100K/hr
Pick up and deliver passengers around Los Santos.
Requires: Taxi Cab
Tow Truck Work
$80K/hr
Tow vehicles for quick cash.
Requires: Salvage Yard
Nightclub Sales
$50K/hr
Fully passive income. Just sell when full.
Requires: Nightclub
Car Wash
$5K/hr
Passive income business. Earns while you play.
Requires: Car Wash
Stop guessing and start earning. Our GTA Online money calculator shows exactly how long it takes to hit your goals. Whether you're saving for your first $1 million or grinding to $100 million, enter your playtime and businesses below. Get a personalized GTA Online earnings strategy in under 60 seconds.
How Does Money Work in GTA Online?
GTA Online's economy runs on a 48-minute day cycle, meaning every real-world hour equals roughly 1.25 in-game days. This affects everything from business production timers to daily fees. Understanding this cycle is crucial for planning efficient grinding sessions. Businesses like the Bunker, Cocaine Lockup, and Meth Lab produce stock on fixed timers tied to this cycle, so knowing when to resupply and sell is the difference between earning $200K per hour and $500K per hour.
Active vs. Passive Income
There are two fundamental income strategies in GTA Online: active grinding and passive income. Active methods like the Cayo Perico Heist ($1.5M/hour) and Agency VIP Contracts ($200K/hour) require your full attention but deliver the highest returns. Passive methods like the Nightclub ($50K/hour AFK) and Acid Lab ($250K/hour semi-passive) generate money while you do other activities or even while AFK. The most efficient players combine both: they set passive businesses to produce while actively running heists, effectively doubling their hourly income.
Why Use This Calculator?
Most GTA Online guides give generic advice like "run Cayo Perico." But every player's situation is different. Maybe you only have 30 minutes a day. Maybe you don't own a Kosatka yet. This calculator factors in your specific businesses, your daily playtime, and your target amount to build a realistic earnings plan. It accounts for startup costs, passive production timers, and cooldown periods to give you an accurate time-to-goal estimate. Whether you're a new player earning your first million or a veteran optimizing a $100M savings plan, this tool maps your fastest path to financial freedom in Los Santos.
Data in this calculator is sourced from community-verified testing by Broughy1322 and cross-referenced with Rockstar's official patch notes. Hourly rates reflect real-world testing conditions including load times, travel, and cooldown periods — not theoretical maximums. All figures were last verified in February 2026.
GTA Online Money Making Methods: $/Hour Comparison
Compare the top 10 income methods in GTA Online. Data updated for 2025 with exact hourly rates, startup costs, and difficulty ratings.
| Method | $/Hour | Startup Cost | Solo? | Passive? | Difficulty |
|---|---|---|---|---|---|
| Cayo Perico Heist | $1,500,000 | $2,200,000 | Medium | ||
| Diamond Casino Heist | $1,000,000 | $1,875,000 | Hard | ||
| Acid Lab Sales | $250,000 | $750,000 | Easy | ||
| Vehicle Cargo | $240,000 | $1,500,000 | Medium | ||
| Bunker Sales | $210,000 | $1,450,000 | Medium | ||
| Agency Contracts | $200,000 | $2,000,000 | Easy | ||
| Payphone Hits | $180,000 | $2,000,000 | Easy | ||
| Salvage Yard | $200,000 | $1,590,000 | Medium | ||
| VIP/CEO Work | $150,000 | $1,000,000 | Easy | ||
| Nightclub AFK | $50,000 | $1,080,000 | Easy |
💡 Pro tip: Combine passive methods like Nightclub with active grinding for maximum earnings. New players should start with the Kosatka Submarine to unlock Cayo Perico.
Frequently Asked Questions: GTA Online Money Making
Ready to build your strategy? Enter your target amount and playtime above to get a personalized money-making plan tailored to your GTA Online setup.