This article focuses on optimizing electric vehicle charging in distribution networks, emphasizing technical and economic considerations. Unlike traditional methods, the proposed intelligent approach tailors each EV's charging based on specific daily trip energy requirements. Vehicle owners provide trip data to the charge management system, enabling precise charging calculations considering factors such as energy tariffs, distribution network limits, and charging levels. The paper introduces the horse herd optimization algorithm, inspired by horse herd behavior, offering advantages like reduced computational time and improved convergence in maximizing power generation, especially under shading conditions. The comparative analysis of smart EV charging under normal and fast conditions, considering various constraints and load response programs, demonstrates the proposed method's effectiveness. Numerical results reveal a 46.02 % average load reduction and a 20.53 % peak load decrease with a Load Response Program. Charging costs are optimized, with Case 2 exhibiting a 2.61 % cost reduction compared to Case 3. The study delves into charging frequencies, discharge frequencies, total unsupplied energy, and unloaded energy for each case, providing crucial insights into algorithmic performance. The horse herd optimization algorithm-based approach proves superior, offering a promising solution for efficient and cost-effective electric vehicle charging in distribution networks. Furthermore, graphical representations illustrate the algorithm's impact on charging power, energy allocation, power passing through distribution posts, and megavolt-ampere flow through network lines. These numerical and graphical analyses provide a comprehensive understanding of the horse herd optimization algorithm capabilities, emphasizing its potential to optimize power distribution, reduce costs, and enhance the resilience of residential distribution networks.