Every year, companies get sued for overcharging, data breaches, and false advertising — and agree to pay billions in settlements. Most people never see a dime because they don't know they qualify. Payout scans every active class action settlement and shows you exactly which ones you're owed money from. The average user finds $50–$200+ they didn't know about. Claims take under 5 minutes inside the app.

Every time you shop online — Amazon, Target, Nike, Walmart, anywhere — Rakuten pays you a percentage back automatically. No coupons. No codes. You just shop the way you normally would and money shows up in your account every quarter. Members average $150+ back per year just from purchases they were already making.

Ibotta gives you cashback on groceries at virtually any store — Walmart, Kroger, Aldi, Costco, you name it. Scan your receipt after shopping and cash out via PayPal or Venmo. No brand switching required. People who use it consistently pull $20–$50 back per month just on their normal grocery run.

Acorns rounds up every purchase you make to the nearest dollar and invests the difference automatically. Buy a coffee for $4.60, Acorns invests $0.40. It sounds small but it adds up — the average user invests $30–$50 per month without thinking about it. Your spare change gets put into a diversified portfolio and grows over time.

The average American wastes $219 per month on subscriptions they forgot they signed up for. Rocket Money scans your bank account, finds every recurring charge, and cancels the ones you don't want — with one tap. It also negotiates your bills (cable, internet, phone) on your behalf and keeps a cut of the savings only if it works.