In the world of GTA Online, money makes the world go round. Whether you’re eyeing the latest supercar, upgrading your arsenal, or just want to live large in Los Santos, a steady cash flow is a must. With so many ways to spend your hard-earned dollars, figuring out where to invest can feel overwhelming. That’s why I’ve put together this list of the 24 best builds in GTA Online that not only rake in the dough but also save you money over time. These setups—spanning businesses, properties, and vehicles—offer passive income, cut down on expenses, or make your gameplay more efficient. Let’s dive in and build your empire the smart way.
1. Fully Upgraded Nightclub
The nightclub is the king of passive income in GTA Online. Link it to your other businesses—like the bunker or cocaine lockup—and watch the cash roll in without lifting a finger. Max out your profits by grabbing the equipment and staff upgrades. Sure, the upfront cost is steep (especially if you’re starting from scratch with the linked businesses), but the steady, hands-off income makes it a no-brainer for long-term savings.
2. Bunker with Staff and Equipment Upgrades
A bunker is your ticket to reliable passive earnings. Upgrade the staff and equipment to speed up production, and you’ll be selling weapons for a solid profit in no time. It’s low-maintenance—set it up and let it run while you tackle other hustles. A must-have for any grinder.
3. Cocaine Lockup with Upgrades
The cocaine lockup is hands-down one of the most profitable businesses in the game. With security, staff, and equipment upgrades, you’ll keep losses low and output high. Just keep an eye out for raids or rival players trying to mess with your stash—it’s worth the effort.
4. Methamphetamine Lab with Upgrades
Right behind cocaine in the profit game, the meth lab shines when fully upgraded. It’s a great way to diversify your income streams without reinventing the wheel. Another solid pick for steady cash flow.
5. Cash Creation Business with Upgrades
Not as flashy as drugs, but the cash creation business still delivers a decent income. Upgrades boost your margins, making it a nice little earner to round out your portfolio. Every dollar counts, right?
6. Weed Farm with Upgrades
The weed farm won’t make you a millionaire overnight, but with upgrades, it’s a reliable contributor to your overall earnings. Pair it with other businesses, and it’s a low-effort way to keep the cash trickling in.
7. Document Forgery Office with Upgrades
Let’s be real—this is the weakest of the motorcycle club businesses profit-wise. Still, if you’re a completionist or just want an extra income drip, upgrading it can squeeze out some value. Don’t expect miracles, though.
8. CEO Office with Vehicle Warehouse
Stepping into the CEO life unlocks vehicle cargo missions, and a vehicle warehouse is your golden ticket. Source and sell high-end cars for big payouts. It’s active work, but the returns make it worth the grind.
9. CEO Office with Special Cargo Warehouses
Beyond cars, CEOs can dabble in special cargo. Larger warehouses mean bigger profits from buying and selling crates, though it’s a riskier investment upfront. Play it smart, and the rewards will stack up.
10. Hangar for Air Freight Cargo
A hangar lets you run air freight missions—stealing and selling goods for profit. It’s not the fastest cash cow, but it’s a fun side gig that adds another layer to your income mix.
11. Arcade for Diamond Casino Heist
The arcade is your gateway to the Diamond Casino Heist, one of the game’s juiciest paydays. Set it up right with the best gear and crew, and you’ll be swimming in cash after every run. It’s an investment that keeps on giving.
12. Kosatka Submarine for Cayo Perico Heist
The Kosatka is a game-changer. It unlocks the Cayo Perico Heist, which you can run solo for massive solo payouts. Add the Sparrow helicopter for quick setups, and you’ve got a lean, mean money-making machine.
13. Facility for Doomsday Heist
Own a facility, and you can host the Doomsday Heist—a multi-part job with hefty rewards. It’s team-based, so you’ll need some coordination, but the payouts make it a worthy addition to your lineup.
14. Agency for Security Contracts and Dr. Dre Missions
The agency brings security contracts and the Dr. Dre storyline missions to the table—both solid earners. Plus, it’s a slick property to flex. A great way to mix up your grind while pocketing some cash.
15. Auto Shop for Car Deliveries and Contracts
The auto shop is all about delivering custom rides and running contracts. It’s a chill, profitable gig—perfect if you’re into cars and want a break from the usual chaos.
16. Acid Lab for Drug Sales
Newer to the scene, the acid lab lets you cook and sell drugs from a mobile setup. It’s flexible, decently profitable, and adds some variety to your hustle. A fresh option for the modern criminal.
17. Buzzard Attack Helicopter
The Buzzard is a workhorse. Spawn it instantly as a CEO for fast travel or mission support—it’s a time-saver that cuts down on travel costs. A staple for any serious player.
18. Oppressor Mk II
This flying bike is a beast for getting around and smashing missions fast. Yeah, it’s pricey upfront, but the efficiency it brings saves you time and money in the long haul.
19. Kuruma (Armored)
The armored Kuruma is a mission MVP. Its bulletproof shell keeps you safe, cutting down on health and armor expenses. If you’re in the thick of it often, this is a lifesaver.
20. Terrorbyte
The Terrorbyte is your mobile HQ—manage businesses, launch client jobs, and use the drone station without running back to base. It’s all about convenience and keeping your cash flow smooth.
21. Mobile Operations Center (MOC)
The MOC offers weapon upgrades, mission setups, and storage. Pick the right modules, and you’ll save on ammo costs while having a mobile base ready to roll.
22. Avenger
The Avenger is a flying fortress—great for mission setups and air support. It’s a clutch pick for the Doomsday Heist and saves you resources in all kinds of scenarios.
23. Cargobob
This cargo chopper lifts vehicles with ease, making deliveries or missions smoother and less risky. It’s niche, but when you need it, it’s a game-changer.
24. Insurgent Pick-Up Custom
Built like a tank, this armored ride shines in combat-heavy missions. Add the turret, and it’s a cost-effective way to handle tough jobs without burning through cash on repairs.
There you have it—the 24 best builds in GTA Online to keep your wallet fat and your expenses low. Whether you’re chasing passive income, slashing costs, or just want to play smarter, these picks have you covered. The trick to thriving in Los Santos? Diversify your investments and spend wisely. Mix and match these builds to fit your vibe, and watch your bank balance climb.
