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Ultimate Money Guide - WIP

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Your one-stop shop for making money in GTA: Online!


Are you tired of seeing something you want and never have the money to buy it? Are you a new player or new to grinding and don't know where to start? Are you stuck doing heists with randoms who are absolute garbage? Look no further! This is an extensive WIP guide on how to make money starting from the bottom with no businesses.


1: Money for businesses


Ok so you don't have any money or businesses i.e. new player. I'm not gonna lie, it's going to be a long road ahead. Your priority is getting an executive office building ($1M) and a vehicle warehouse ($1.5M). But how does one get that kind of money?

  • Contact Missions
    • Each mission pays about $20k on average. Be sure to play them on Hard. You can actually make more on a mission the longer it takes, so take your time!
    • Best paying ones are from Martin/Lester, and sometimes Ron - most of these are more complicated (A Titan of a Job, The Los Santos Connection, Trash Talk).
    • Easier missions come from Simeon/Gerald, but pay doo-doo - especially Simeon.
  • VIP Work Sightseer/Headhunter
    • Done in freemode.
    • You do not need to have an executive building (Register as VIP), but you are going to need $50k in your account. IT DOES NOT COST MONEY TO REGISTER. It's basically just a credit check.
    • Takes about 5 min and makes about $22k on average for each one.
    • VIP statuses last for 4 hours of Freemode play with a 12 hour cooldown. Time spent in Jobs or Heists do not decrease your VIP timer. We'll talk about CEOs later.
  • Become a bodyguard/associate
    • You receive a $5k paycheck every 15 minutes and increases with each paycheck up to $10k, as long as your CEO doesn't die.
    • Every sell mission your CEO completes, you automatically receive a paycheck with a raise.
  • Saving Money
    • This is the biggest challenge for everyone. Do not waste money on clothes, cars, and other cosmetics until you have a stable source of income.
    • Must you absolutely need a certain vehicle like the Armored Kuruma, wait for a sale if you can.
    • The Special Carbine is the only gun you need. It's available at Level 1 and is the best against NPCs. Consider the Machine Pistol for your drive-by weapon, but replace with the AP Pistol ASAP (Level 33).
    • Leaving cushions/creating a threshold and other real life methods of saving money and can be applied in-game!

But wait, what about heists???

It all boils down to your skill and how long the heist takes as a whole. If you or another crew member is constantly dying/failing, the final payout is not worth the amount of time spent. The only heist with a decent payout is the Pacific Standard, but just like any other heist, it requires extensive teamwork, coordination and above all, skill. Only play with people you trust and never with randoms.

Hosting heists are nice however if you want trade prices on certain Warstock vehicles for the future such as the Hydra.


2: Import/Export


By now, you should hopefully have the Maze Bank West Executive Office (NOT THE TOWER) and the La Mesa Vehicle Warehouse. Do not worry about the crate warehouses at this time. This is a method used by the YouTuber TheProfessional. I use this one because it's the most solo-friendly method. Other methods with more people will be explained later. The Buzzard Attack Chopper is a great investment and will be your best friend, but is not required by any means.

1. First of all, you’re going to want to register as a CEO. Unlike a VIP, you can be a CEO for as long as you want. Now start off by doing either Headhunter or Sightseer from the VIP work menu. It does not matter which you choose because you’ll be doing the next one later. These 2 jobs are the easiest and you get a decent $20-$24k.

2. Once you complete said VIP work, source a vehicle from your office computer. If you're just starting out with vehicles, you'll be getting some standard range and mid range. Do not sell these ones; only the top range cars. Your goal is to keep 10 standard and 10 mid range vehicles. After that, you'll only source top range vehicles, so you can maximize profit.

3. After sourcing your top range car, you want exit the warehouse and start the other VIP work - whichever one you didn't do last time. For instance, if you started with Headhunter, you'll be doing Sightseer (since Headhunter will be on cooldown) and vice versa. You're not selling your top range right away. Why? Read the next step:

4. After completing that work, go back to your Vehicle Warehouse and sell that top range car you sourced earlier. You want to select the third option for $100k minus $20k to modify (so $80k profit). The $20k+ you made from your VIP work will cover the commission cost.

So now you sold that car and got $100k or less depending if you damaged the car. Nice. Repeat steps 1-4 for as long as your little heart desires.


  • Start Headhunter in the city and not the country. Targets in the country will be spread out everywhere from Sandy Shores to Paleto Bay. The city keeps the targets close together like a nice happy little family.
    • Stealing a jet from the military base and using it's meme beam cannons is a nice alternative for non-Buzzard owners.
  • If you end up in a populated session when selling your vehicle, try to make the vehicle standard looking. This helps if you plan to use Ghost Organization (Interaction Menu > CEO > CEO Abilities) or Off-the-radar (call Lester). Don't add crazy colors, Xenon/Neon Lights, or all that jazz cause you'll stick out like a sore thumb.
    • Try to keep a couple of backup top range cars in case you get griefed. Don't horde top range cars though - you'll end up getting standard/mid range again. You can even ask some people to help sell multiple cars for more profit, which leads me to say;
  • Never never EVER be afraid to ask other crew members for help - that's what we're here for. CaGregorio and myself own Buzzards if you want weaponized transport for VIP work. Don't be a stranger to our Discord!


3: Bunker


Your next investment is the bunker (Maze Bank Foreclosures). The gunrunning business ran from this property is one of the passive producers while you do other activities such as the Import/Export method. I highly recommend the bunker that's the furthest south next to the Western Highway - Chumash Bunker ($1.650M). This will make sell missions much easier.

You will need to complete the set up mission first. You'll start off with a full batch of supplies. If you were smart and left yourself a nice cushion when buying the bunker, you'll want to upgrade Equipment ($1.155M) and Staff ($598k). Don't worry about the Security since you probably won't be filling stock to 100%.

Now onto suppling/selling.

  • Don't have money for upgrades? Steal supplies with at least 1 other person. Sell at around 25% stock. Again, have another person with you! You'll fill supplies much faster.
  • Have both equipment/staff upgraded? Buy supplies.
    • If you start out with 0% stock and buy 1 batch of supplies, it will produce get just enough stock for 1 delivery vehicle. You may choose to produce more stock for better profit, but bring along an additional body.
    • With an upgraded bunker, 1 batch of supplies will produce $140k in stock, which you can sell to LS for $210k. You'll also receive a 1% bonus for every player in the lobby. Selling in a full session can give you a 30% bonus added to your $210k (an additional $63k!). 
  • Why buy supplies? So you can do other things while your bunker is producing. You won't make money while stealing supplies and that's time wasted from doing other things to make money. You can make the $75k back from just 1 round of the Import/Export method.





========== More to come. Stay tuned ==========

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