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Here's a list of the top 10 AI tools and applications that are highly useful for daily life, based on their widespread adoption and practical utility as of my last update:

1. Siri, Google Assistant, Amazon Alexa, and Bixby - These virtual assistants help with everything from setting alarms, providing weather updates, answering questions, to controlling smart home devices.

2. Chatbots - Used by businesses for customer service, these can provide immediate answers or support, making interactions more efficient in banking, retail, and more.

3. Navigation Apps like Waze and Google Maps - Incorporate real-time traffic data to suggest the best routes, predict traffic conditions, and even find parking spots.

4. Spotify and Apple Music's Recommendation Algorithms - Use AI to suggest music based on your listening habits, creating personalized playlists and radio stations.