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, no scams

Need cash today? Start earning while Smarts thinks

$15 Bigcash Instant, cash out at $1 $10 Freecash Instant, pays same day $100 Branded High-value tasks, PayPal

We may earn a commission when you sign up through these links. This never affects what you pay and helps keep Smarts free.

Ask Smarts anything about money

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$100+ per task

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Install one app and get paid every single month on autopilot. It runs quietly in the background and pays you in real cash and gift cards for sharing your streaming and mobile habits. No surveys, no check-ins. America's trusted research panel since 1923.

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Affiliate disclosure: We may earn a commission when you sign up through the links above. This never affects what you pay and helps keep Smarts and our guides free. Bonuses and payout minimums are set by each app and can change.

Free money you might be owed

Real programs and databases holding money in your name. Free to search, free to claim.

Active Data Breach Settlements

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

Open Class Action Settlements

Weekly-updated list of every settlement currently accepting claims.

22 Hardship Grants for Individuals

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

How to Find a Lost 401k

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

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 Smarts is, how it stays free, and how your chat is handled.

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, and 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.