Smarts is online · Free 24/7

Have a money question? Smarts has the answer.

Q: What is Smarts?

Smarts is a free 24/7 AI money assistant. It gives direct, numbers-first advice on debt, grants, settlements, side hustles, and cash apps. No hype, no tricks.

Free 24/7 AI money assistant. Direct, numbers-first advice on debt, grants, settlements, side hustles, and cash apps. No hype, no tricks — just the smartest move for your wallet.

100% Free No Signup Required Numbers-First Advice No Scams

Earn money right now (no waiting)

Apps that pay same-day. Most cash out at $1 minimum to PayPal.

$15 instant

BigCash — cash out at $1

$15 hits your PayPal the moment you sign up. No proof, no credit check, 60 seconds. Lowest cashout I've found anywhere.

Claim $15 → $10 instant

Freecash — pays same-day

$10 the moment you sign up. Earn more by testing apps, playing games, and quick tasks. PayPal cashout at $1.

Get $10 → $100+ per task

Branded — high-value tasks

Branded Surveys runs high-value tasks paying $100+ each. Same-day PayPal payout. One task = a full flat-tier settlement.

Try Branded →

Free money you might be owed

🛡️

Active Data Breach Settlements

Comcast, Norton Healthcare, LastPass, more. Most pay $25 to $250 with no proof needed.

⚖️

Open Class Action Settlements

Complete weekly-updated list of every settlement currently accepting claims.

💵

22 Hardship Grants for Individuals

Real cash, medical, dental, rent, energy grants. No payback required.

🏦

How to Find a Lost 401k

$1.65 trillion sits in forgotten 401k accounts. Average lost amount: $56,000+.

🔍

How to Find Unclaimed Money

State treasuries hold $58 billion in unclaimed money. Search yours in 60 seconds.

📄

Lost Life Insurance Benefits

$1 billion in life insurance goes unclaimed every year. 6 ways to search free.

FAQs about Smarts

What is Smarts?

Smarts is a free 24/7 AI money assistant trained on the FileYourClaim.co knowledge base. It gives direct, numbers-first advice on debt, grants, settlements, side hustles, and cash apps. No hype, no tricks. Just the smartest move for your wallet.

Is Smarts really free?

Yes. Smarts is free to use. You ask, Smarts answers. There is no subscription, no sign-up, no payment. If Smarts recommends a financial product or app, those companies pay us a referral fee — you pay nothing.

What can I ask Smarts?

Anything money-related. Common questions: How do I get cash today? What grants can I apply for? Am I owed money from a settlement? How do I get out of credit card debt? What is the best side hustle? When will my settlement check arrive? Smarts is best at finding free money you may be entitled to and pointing you at the right apps to earn extra cash.

Is my conversation private?

Smarts conversations are processed by Chatbase, our AI partner. You can chat anonymously without providing any personal information. If you choose to share details to get more specific advice, that information stays within the conversation and is not shared with third parties.

Does Smarts give financial advice?

Smarts gives general guidance on common money situations and points you to free programs, apps, and services that may help. Smarts is not a licensed financial advisor and does not provide specific investment, legal, or tax advice. For decisions involving large amounts of money, consult a qualified professional.

Where does Smarts get its information?

Smarts is trained on the FileYourClaim.co knowledge base, including all our settlement guides, hardship grant programs, side hustle reviews, and affiliate offer details. Information is updated regularly as new settlements open and programs change.