cutGPT
Ad-supported AI chat for web and iPhone that pays eligible users a share of ad revenue instead of charging a subscription.
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cutGPT is best for casual users who want free access to advanced AI models and are willing to view ads in exchange, with the added novelty of earning small discretionary payouts. Compared to ChatGPT's free tier, it offers no clear capability advantage and layers on reward terms that are explicitly discretionary and subject to eligibility rules. Anyone who needs reliable, high-volume AI output or advanced tools like image generation, code execution, or deep research should look elsewhere.
What is cutGPT?
cutGPT is a free AI chat application available on web and iPhone, operated by ZStack Capital LLC. It uses an ad-supported model to fund access to advanced AI models, removing the need for a paid subscription. Users sign in with Apple or Google and can chat across browser and iOS with the same account.
The product includes a promotional rewards program that lets eligible users aged 18 and older earn a share of ad revenue, referred to as 'the cut,' and cash out to PayPal once they reach a $5 monthly minimum. Accounts created among the first 100,000 receive a higher starting reward share called the Founding cut; later accounts receive the Standard cut. Reward amounts are discretionary and subject to eligibility terms. Android support is listed as coming soon.
How we scored cutGPT
Capability scores low at 11 because cutGPT discloses no model names, no context limits, and no rate limits, and its feature list covers only basic text chat while named competitors like Google Gemini and Perplexity offer image handling and web search on their free tiers. Ease of use scores 18 because the sign-in-with-Apple-or-Google flow and cross-platform sync are genuinely frictionless, and the product has no complex setup. Value scores 16 rather than higher because while the $0 price is attractive, the rewards program is explicitly discretionary with a vague eligibility policy, meaning the core value-add beyond 'free chat' may deliver nothing concrete to most users. Delivery scores 7 because the product makes promotional reward claims it immediately hedges with discretionary and eligibility language, the underlying models are unnamed and unverifiable, and there is no public track record, user sentiment data, or third-party validation to confirm the product delivers what it advertises.
Pros and cons
What we liked
- Genuinely free with no subscription required: ad funding removes the paywall that blocks access to capable models on most competing products.
- Founding-cut accounts (the first 100,000 sign-ups) receive the maximum reward share, giving early adopters a concrete structural advantage over later users.
- Cross-platform sync between web and iPhone using a single Apple or Google account, with no separate login to manage.
Where it falls short
- Reward amounts are explicitly discretionary and subject to undisclosed eligibility terms, meaning there is no guarantee a user will ever receive a payout despite regular use.
- The site does not name the underlying AI models, disclose context window limits, or document rate limits, making it impossible to compare actual capability against ChatGPT or Claude before signing up.
- No advanced features: image generation, file uploads, voice mode, code execution, and web search are all absent from the listed feature set, leaving cutGPT well behind free tiers from Google Gemini and Perplexity on capability breadth.
Key features
cutGPT pricing
Fully free to use, funded by ads. No subscription tiers. Eligible users can earn discretionary promotional rewards and cash out to PayPal once they hit a monthly minimum threshold of $5. Reward amounts are not guaranteed and vary based on ad activity and eligibility. Early accounts (the first 100,000 sign-ups) receive a 'Founding cut' with a higher starting reward share; accounts after that threshold receive a 'Standard cut' with a lower share.
| Plan | Price | Who it is for |
|---|---|---|
| Founding cut | Free | Available to the first 100,000 accounts. Full free AI chat in browser and on iOS. Maximum starting reward share. PayPal payouts after $5 monthly minimum. Roughly 5,507 spots remained as of the review date. |
| Standard cut | Free | Available to accounts created after the first 100,000. Same free AI chat access and PayPal payout rules, but a lower starting reward share than the Founding cut. |
Pricing reflects what we saw at time of review (2026-10). Always confirm current pricing on the tool's own site.
Who should use cutGPT?
cutGPT suits someone who uses AI chat casually, wants to avoid a monthly subscription, and finds the idea of earning small payouts from their normal usage appealing. A student asking homework questions, a freelancer doing occasional brainstorming, or anyone priced out of ChatGPT Plus or Claude Pro could get real value from free access to capable models, assuming the ad experience is tolerable.
Anyone who depends on AI for heavy daily work should look elsewhere. If you need image generation, file analysis, voice mode, or web-grounded answers with citations, Perplexity or Google Gemini both offer those capabilities on free tiers without requiring you to parse a rewards eligibility policy. If raw chat quality and model transparency matter most, ChatGPT's free tier names its models explicitly and has a much longer public track record.
Skip it if: Power users needing image generation, code execution, or guaranteed output volume
cutGPT alternatives
Frequently asked questions
Is cutGPT actually free, or is there a catch?+
It is free to use. Ads fund the AI access, so there is no subscription. The rewards program is an add-on, not a requirement, but reward amounts are discretionary and eligibility terms apply, so payouts are not guaranteed.
How much can I earn from the rewards program?+
The site does not publish specific dollar amounts. Rewards are described as discretionary and based on eligible ad activity. The minimum payout threshold is $5 per month via PayPal. Founding-cut accounts receive a higher starting share than Standard-cut accounts.
What AI models does cutGPT use?+
The site refers to 'advanced AI models' but does not name them publicly. There is no disclosed information about context window size, rate limits, or which provider supplies the underlying model.
Is there an Android app?+
Not yet. The current platforms are web (any browser) and iPhone via the App Store. The submitted product description notes that Android is coming soon, but no release date is given.
What is the difference between the Founding cut and the Standard cut?+
Both are free. The Founding cut goes to the first 100,000 accounts and carries the maximum starting reward share. The Standard cut applies to all accounts created after that threshold and comes with a lower share. About 94,493 of the 100,000 founding spots were claimed as of the review date.
Who operates cutGPT, and is it affiliated with OpenAI?+
cutGPT is operated by ZStack Capital LLC and is explicitly not affiliated with OpenAI. The name similarity to ChatGPT is coincidental from a corporate standpoint.
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