“Free money / mo” assumes you collect every single day and bet the coins on the cheapest game each site offers, blackjack where it exists; otherwise the guide names the best substitute. “Must bet 3x” sites like Stake.us cost a little more to cash out, that’s already subtracted. Sites with day-streak gifts are worth much less if you skip days. Numbers change; every page shows the date we checked it, and updates land in the changelog.