Best Solo Heists in GTA Online (2026)
GTA Online heists are multi-stage, cooperative robbery missions where players team up to plan and execute high-reward crimes targeting banks, casinos, or companies. They represent a core part of the endgame content and remain one of the most profitable activities in the game.
However, not all heists require a full crew. Several missions can be completed entirely solo, eliminating the need to split your earnings. While solo heists typically take longer to complete, you keep 100% of the profits instead of dividing them among multiple players.
In this article, we'll explore the best solo heists for making money in GTA Online, including payout details, difficulty levels, and which missions offer the best return on your time investment.
Cayo Perico Heist
The Cayo Perico Heist is the only true solo heist in GTA Online. You need to purchase the Kosatka submarine for $2.2 million from Warstock Cache & Carry to access it. The heist requires a $100,000 setup fee each time you start it, plus various prep missions to gather intel and equipment.
Solo players earn between $900,000 and $1.5 million per run, depending on the primary target and secondary loot collected. The Pink Diamond and Panther Statue are the highest-value primary targets, while cocaine offers the best value-to-weight ratio for secondary loot. Each run takes approximately 45-60 minutes for experienced players.
The main drawback is the 2.5-hour cooldown period for solo players between completions. Additionally, after stealing a high-value primary target, you have a lower chance of getting another high-value target for the next 72 hours. However, the heist can be completed entirely in invite-only sessions, eliminating the risk of griefers.
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Cluckin' Bell Farm Raid
The Cluckin' Bell Farm Raid pays $500,000 as the leader with no upfront investment required. First-time completion grants an additional $250,000 bonus, and you can claim another $250,000 bonus for completing it once as a crew member. The mission series consists of six total missions, including one intro, four setups, and one finale.
You start the raid by visiting Vincent Effenburger at the Vespucci Police Station. The entire mission sequence takes approximately 50-60 minutes to complete and has a one-hour cooldown before you can run it again as a leader. This makes it ideal for filling downtime between Cayo Perico runs.
The raid can be completed entirely solo or with up to three other players. The payout remains $500,000 regardless of difficulty or approach, making it a straightforward money-making option for new players who haven't accumulated enough capital for the Kosatka submarine yet.
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Auto Shop Contracts
Auto Shop Contracts require purchasing an Auto Shop property, which costs between $1.67 million and $1.92 million, depending on location and the customizations. Once purchased, you access contracts through the job board in your Auto Shop. Three contracts appear at a time, and you must complete one before it cycles back into rotation.
The Union Depository Contract is the highest-paying option, offering between $300,000 and $375,000 depending on the number of players. Solo players earn less because they can't carry all the gold bars, while full four-player teams maximize the payout. Other contracts pay around $160,000-$180,000 per completion.
Each contract includes two setup missions and one finale, taking roughly 30-45 minutes total. KDJ and Sessanta automatically take a 10% cut from all contract payouts.
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Final Words
Cayo Perico remains the best solo money-making method in GTA Online despite the extended cooldown. New players should start with the Cluckin' Bell Farm Raid to build capital before investing in the Kosatka submarine. Auto Shop Contracts offer solid earnings but require significant upfront investment. Focus on Cayo Perico once you can afford it, then use Cluckin' Bell and Auto Shop Contracts to fill the cooldown periods.
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