← Money You're Owed · Free Tool
Money You're Owed: Free Checklist
Before you pay another bill, run this list. It's every legitimate place to check for money you may already be owed, unclaimed cash, tax credits, and benefits, each with a direct link to the official free tool. Nothing here charges a fee, and there's no email or login. Your progress saves on this device only.
0 of 12 checked
Unclaimed money in your name
States & agencies hold billions in forgotten accounts, checks, and deposits.
Check your state (free) →
An unclaimed IRS tax refund
Refunds go undelivered every year. You have ~3 years to claim.
Check with the IRS →
The Earned Income Tax Credit
Refundable cash, average $2,916, up to $8,046. 1 in 5 never claim it.
Check the EITC Assistant →
Free tax filing to claim it
File free via IRS Free File or free VITA help, no preparer fee.
See free filing options →
SNAP food benefits
Monthly grocery money. About 60% of eligible adults 50+ don't enroll.
Screen for SNAP free →
SSI (Supplemental Security Income)
Up to $994/mo in 2026 for limited income; often unlocks Medicaid + SNAP.
Check SSI at SSA →
Medicare Extra Help & Savings Programs
~$5,700/yr on prescriptions, plus programs that pay your Part B premium.
Check with SSA →
LIHEAP energy bill help
Help with heating & cooling bills, sometimes past-due balances.
Find your state's LIHEAP →
Lifeline internet & phone discount
At least $9.25/mo off, plus low-income internet plans.
See low-income internet →
A lost pension (PBGC)
Old employer plans that were terminated may hold benefits for you.
Search PBGC free →
A full benefit screen (2,000 programs)
NCOA BenefitsCheckUp checks ~2,000 programs in 10 min. ZIP only, no SSN.
Run BenefitsCheckUp →
Local rent, utility & food help
Dial 2-1-1 (United Way) for assistance available near you right now.
Search 211 →
One rule that keeps you safe: every real source here is free. If any site or caller asks for a fee, gift cards, or your bank login to "release" money, it's a scam.
How to spot free-money scams →
Found money? Make it go further.
The smartest move with any money you recover is to lower the bills you already pay. See which ones you can cut, free.
Open the free budget tool →Want the free bill-lowering letters too? Get the free Letter Pack →