Expense management
Asked as “expense management software”, and as “employee expense reporting tool”, on behalf of a mid-market B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
31%
Contested · Zoho Expense 29%
31Ramp29Zoho Expense12Expensify27others
31% of first choices, contested.
Since October 2026▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.Ramp held the lead, −4 points on 35%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.Standing →Mid-market
Ramp31%Contested▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.This pageEnterprise
SAP Concur63%Clear leader▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.Standing →
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.Standing →Mid-marketRamp31%Contested▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.This pageEnterpriseSAP Concur63%Clear leader▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Ramp31%5%59endorsed leader▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.35% → 31%
Ramp31%5%59endorsed leader▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.35% → 31%02Zoho Expense29%0%51accepted challenger▲+8Since October 2026: 21% → 29%, +8 points. Inside the 10-point floor: within noise.21% → 29%
Zoho Expense29%0%51accepted challenger▲+8Since October 2026: 21% → 29%, +8 points. Inside the 10-point floor: within noise.21% → 29%03
Expensify12%14%65accepted challenger▲+2Since October 2026: 10% → 12%, +2 points. Inside the 10-point floor: within noise.10% → 12%
Expensify12%14%65accepted challenger▲+2Since October 2026: 10% → 12%, +2 points. Inside the 10-point floor: within noise.10% → 12%04
BILL Spend & Expense6%7%43accepted challenger=heldSince October 2026: 6% → 6%, ±0 points. Inside the 10-point floor: within noise.6% → 6%
BILL Spend & Expense6%7%43accepted challenger=heldSince October 2026: 6% → 6%, ±0 points. Inside the 10-point floor: within noise.6% → 6%05
Rippling Spend6%0%15accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise.4% → 6%
Rippling Spend6%0%15accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise.4% → 6%06
Navan4%7%42accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%
Navan4%7%42accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%07
Brex4%8%37accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%
Brex4%8%37accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%08
Emburse2%15%13accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Emburse2%15%13accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%09SAP Concur2%43%47criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
SAP Concur2%43%47criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%Show the three products at 0%, ordered by negative rate
12
Rydoo0%7%14accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Rydoo0%7%14accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Pleo0%0%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Pleo0%0%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
Payhawk0%0%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Payhawk0%0%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
All twenty-eight head-to-head pages: the top eight products, each against each
Ramp vs Rippling SpendRamp vs NavanRamp vs BrexRamp vs EmburseZoho Expense vs ExpensifyZoho Expense vs BILL Spend & ExpenseZoho Expense vs Rippling SpendZoho Expense vs NavanZoho Expense vs BrexZoho Expense vs EmburseExpensify vs BILL Spend & ExpenseExpensify vs Rippling SpendExpensify vs NavanExpensify vs BrexExpensify vs EmburseBILL Spend & Expense vs Rippling SpendBILL Spend & Expense vs NavanBILL Spend & Expense vs BrexBILL Spend & Expense vs EmburseRippling Spend vs NavanRippling Spend vs BrexRippling Spend vs EmburseNavan vs BrexNavan vs EmburseBrex vs Emburse
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
010203040506070809101112Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Ramp31%
Ramp31%02Zoho Expense29%
Zoho Expense29%03Expensify12%
Expensify12%04BILL Spend & Expense6%
BILL Spend & Expense6%05Rippling Spend6%
Rippling Spend6%06Navan4%
Navan4%07Brex4%
Brex4%08Emburse2%
Emburse2%09SAP Concur2%
SAP Concur2%10Payhawk0%
Payhawk0%11Pleo0%
Pleo0%12Rydoo0%
Rydoo0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
SAP Concur43%
20 of 47 labels negative · 9 of 14 models · 2 hard negative
“it's often recommended to avoid unless you have a mandatory SAP ERP integration” Mistral Small, negative prompt
Expensify14%
9 of 65 labels negative · 7 of 14 models
“Expensify, if your team relies on a very simple mobile workflow. Recent user reviews report that interface changes made submitting expenses more confusing” GPT-6 Luna, negative prompt
QuickBooks Online Expenses
50%
4 of 8 labels negative · 4 of 14 models · 1 hard negative
“Users report bad functionality, being unable to access customers or open invoices on the mobile app, and bad mileage tracking” Claude Haiku 4.5, negative prompt
BILL Spend & Expense7%
3 of 43 labels negative · 3 of 14 models · 1 hard negative
“the two I'd most strongly caution against based on user experiences” DeepSeek V4 Flash, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
73 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 741 links across 182 sites, every framing counted. Ranked by the number of answers carrying the site or page. 6 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
28 answers · 34 citations · 10 models
vendor site · BILL20 answers · 28 citations · 7 models
vendor site · Expensify20 answers · 23 citations · 9 models
20 answers · 21 citations · 10 models
vendor site · G219 answers · 31 citations · 10 models
vendor site · Capterra16 answers · 27 citations · 10 models
15 answers · 19 citations · 9 models
vendor site · G215 answers · 15 citations · 10 models
vendor site · Ramp14 answers · 19 citations · 7 models
vendor site · Zoho13 answers · 21 citations · 8 models
13 answers · 16 citations · 9 models
vendor site · Spendesk12 answers · 13 citations · 6 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
20 answers · 10 models
19 answers · 10 models
18 answers · 8 models
15 answers · 9 models
12 answers · 9 models
11 answers · 6 models
11 answers · 6 models
11 answers · 5 models
10 answers · 8 models
10 answers · 9 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best expense management software”, “expense management software”, “expense management tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Ramp ramp.com | 31% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 3 |
| Zoho parent site Zoho Expense 29% | 29% | 194 | 5,400 | 52 | ||||
| Expensify expensify.com Expensify 12%, Expensify Collect 0% | 12% | 246 | 74,000 | 932 | 76,291 | 0 | 1 | |
| BILL bill.com BILL Spend & Expense 6% | 6% | 331 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Rippling rippling.com Rippling Spend 6%, Rippling Finance 0% | 6% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Navan navan.com | 4% | 329 | 110,000 | 1,342 | 175,958 | $2,716 | 120 | 8 |
| Brex brex.com | 4% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 3 |
| Wave waveapps.com | 4% | 363 | 368,000 | 253,218 | 708,862 | 39 | ||
| Emburse emburse.com | 2% | 70 | 18,100 | 242 | 40,700 | $266 | 51 | |
| SAP Concur sap.com | 2% | 414 | 74,000 | 502 | 2,214,514 | $1,251 | 23 |
Google's top ten for the three searches hold 18 sites; 2 of them are among the sites the models cited here (ramp.com, spendesk.com). The first result for “best expense management software” is expensify.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best expense management software for a mid-market B2B company?”Paraphrase“Which employee expense reporting tool would you recommend to a mid-sized B2B company?”Comparative“What are the top expense management tools and how do they differ?”Budget-constrained“What is the best expense management software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating an expense management software. What should we look at?”Negative“Which expense management tools should I avoid or be cautious about?”
Claude Haiku 4.5no first choiceEmburseChangedno first choiceno first choiceno first choiceagainst: Albert, Emburse Spend, Mint, PocketGuard, QuickBooks Online Expenses, QuickBooks Solopreneur
Four alternatives
Airbase, Paylocity, Rydoo, SpendeskThree alternatives
BILL Spend & Expense, Rydoo, Zoho ExpenseGPT-5.4 miniRampRippling SpendChangedno first choiceZoho Expenseno first choicenothing named
Four alternatives
Brex, Navan, Rippling Spend, SAP ConcurTwo alternatives
Expensify, NavanOne alternative
ExpensifyGemini 3.5 FlashRampagainst: Emburse, Expensify, QuickBooks Online Expenses, SAP ConcurRampHeldagainst: SAP ConcurBrex, RampBILL Spend & Expense, Rampno first choiceagainst: BILL Spend & Expense, Brex, Excel/Google Sheets, Expensify, Ramp, SAP Concur
Three alternatives
Airbase, Brex, NavanThree alternatives
Airbase, Brex, NavanFour alternatives
Expensify, Fyle, Navan, SAP ConcurFour alternatives
Expensify, Fyle, Wave, Zoho ExpensePerplexity SonarRampagainst: SAP ConcurExpensifyChangedRampagainst: Coupa Expense ManagementZoho Expenseno first choicenothing named
Seven alternatives
BILL Spend & Expense, Expensify, ITILITE, Navan, Rydoo, Spendesk, Zoho ExpenseFour alternatives
BILL Spend & Expense, Ramp, SAP Concur, Zoho ExpenseSeven alternatives
Airwallex, BILL Spend & Expense, Brex, Expensify, Navan, SAP Concur, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampGrok 4.20Rampagainst: SAP ConcurZoho ExpenseChangedagainst: SAP ConcurRamp, Zoho ExpenseZoho Expenseagainst: Expensify, SAP Concurno first choiceagainst: BILL Spend & Expense, Brex, Coupa Expense Management, Expensify, Navan, SAP Concur, Tallie, Webexpenses
Four alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, Navan, RampFive alternatives
BILL Spend & Expense, Brex, Expensify, Payhawk, SAP ConcurThree alternatives
FreshBooks, QuickBooks Online Expenses, WaveMistral SmallBrex, Expensify, Rampagainst: SAP ConcurNavanChangedZoho ExpenseExpensify, Zoho Expenseagainst: QuickBooks Online Expensesno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
Three alternatives
BILL Spend & Expense, Navan, Rippling SpendThree alternatives
Expensify, Ramp, Zoho ExpenseNine alternatives
Expensify, FreshBooks, Payhawk, QuickBooks Online Expenses, Ramp, Rippling Spend, Sage Intacct, Tradogram, WaveTwo alternatives
FreshBooks, WaveDeepSeek V4 FlashRampExpensifyChangedagainst: SAP Concurno first choiceBILL Spend & ExpenseBILL Spend & Expense, Brex, Rampagainst: SAP Concuragainst: BILL Spend & Expense, Rydoo, SAP Concur, Webexpenses
Four alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseTwo alternatives
Ramp, Zoho ExpenseSeven alternatives
Brex, Expensify, Navan, Payhawk, Ramp, SAP Concur, Zoho ExpenseFour alternatives
Brex, Expensify, Ramp, Zoho ExpenseThree alternatives
Expensify, Rippling Spend, Zoho ExpenseLlama 4 Maverickno first choiceno first choiceHeldno first choiceZoho Expenseno first choiceagainst: Expensify, QuickBooks Online Expenses
Three alternatives
BILL Spend & Expense, Expensify, RampQwen 3.7 FlashRippling SpendSAP ConcurChangedBILL Spend & Expenseagainst: SAP ConcurExpensify, Ramp, Zoho Expenseno first choiceagainst: SAP Concuragainst: Coupa Expense Management, Emburse, Expensify, SAP Concur
Three alternatives
BILL Spend & Expense, Navan, RampFour alternatives
Brex, Expensify, Ramp, Zoho ExpenseSix alternatives
Airbase, Expensify, Navan, Pleo, Ramp, SpendeskTwo alternatives
Pleo, QuickBooks Online ExpenseKimi K2RampRamp, Zoho ExpenseChangedExpensifyWave, Zoho Expenseno first choiceagainst: SAP Concuragainst: Expensify, Navan, SAP Concur
Four alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseTwo alternatives
BILL Spend & Expense, ExpensifyFive alternatives
Brex, Payhawk, Ramp, Spendesk, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampFour alternatives
Airbase, BILL Spend & Expense, Expensify, RampGLM 4.7 FlashXZoho Expenseagainst: SAP Concurno first choiceChangedBrex, RampZoho Expenseno first choiceagainst: ExpenseOnDemand, Ramp, Skovik, Timesheets.com, Veryfi, Weel
Four alternatives
BILL Spend & Expense, Brex, Expensify, RampSeven alternatives
BILL Spend & Expense, Expensify, Navan, Ramp, Rippling Spend, SAP Concur, Zoho ExpenseSeven alternatives
Airbase, Airwallex, Expensify, Navan, Rippling Spend, SAP Concur, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampMiniMax M2.5Expensify, RampRampChangedExpensifyZoho Expenseno first choicenothing named
Three alternatives
Navan, SAP Concur, Zoho ExpenseThree alternatives
Expensify, Navan, Zoho ExpenseFour alternatives
Brex, Ramp, SAP Concur, Zoho ExpenseOne alternative
ExpensifyGPT-6 LunaRampRampHeldno first choiceZoho Expenseno first choiceagainst: Expensify, Navan, SAP Concur
Three alternatives
Brex, Navan, SAP ConcurTwo alternatives
Expensify, NavanTwo alternatives
Expensify Collect, RampMuse Glimmer 30BZoho ExpenseNavan, Rippling SpendChangedBrex, RampWave, Zoho Expenseno first choiceagainst: Mobills - Budget Planner, NerdWallet: Manage Your Money, Wallet: Budget Expense Tracker
Five alternatives
Brex, Expensify, Navan, Ramp, SAP ConcurTwo alternatives
Expensify, RampFour alternatives
BILL Spend & Expense, Expensify, SAP Concur, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:07 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:06 | yes | 3 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:22 | yes | 11 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:39 | yes | 10 | 5 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 12 | 33 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:45 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:59 | yes | 23 | 27 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:52 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:42 | no | 0 | 28 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:08 | yes | 14 | 26 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:14 | yes | 14 | 91 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:04 | yes | 5 | 29 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:52 | yes | 4 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:02 | yes | 9 | 20 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:41 | yes | 10 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:04 | yes | 2 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:06 | no | 0 | 12 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:35 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 5 | 25 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:35 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:34 | yes | 22 | 31 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:38 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:43 | yes | 5 | 24 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:40 | yes | 9 | 20 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:46 | yes | 10 | 32 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:37 | yes | 5 | 43 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:49 | yes | 3 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:37 | yes | 12 | 30 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:15 | yes | 9 | 7 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:30 | yes | 4 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:48 | no | 0 | 17 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:00 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:09 | yes | 5 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:40 | yes | 20 | 26 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:49 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:41 | yes | 10 | 39 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:33 | yes | 10 | 36 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:14 | yes | 14 | 34 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:19 | yes | 15 | 57 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:27 | yes | 7 | 18 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:56 | yes | 14 | 21 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:24 | no | 0 | 4 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:39 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:58 | no | 0 | 13 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:35 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 5 | 26 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:43 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:24 | yes | 25 | 18 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:59 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:46 | yes | 5 | 16 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:28 | yes | 9 | 15 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:17 | yes | 13 | 19 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:06 | yes | 10 | 40 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:07 | yes | 3 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:09 | yes | 24 | 29 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:21 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:58 | no | 0 | 7 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:28 | no | 0 | 21 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:52 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 5 | 33 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:12 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:40 | yes | 15 | 40 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:17 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:58 | yes | 5 | 27 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:25 | yes | 15 | 68 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:32 | no | 0 | 27 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:38 | no | 0 | 9 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:18 | yes | 4 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:04 | yes | 14 | 19 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:37 | yes | 19 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:43 | yes | 5 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:29 | yes | 15 | 26 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:49 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 10 | 24 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:10 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:04 | yes | 25 | 26 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:45 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:25 | yes | 10 | 31 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:23 | yes | 25 | 58 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:19 | yes | 15 | 64 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | yes | 25 | 52 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:36 | yes | 3 | 16 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:22 | yes | 23 | 34 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
BILL read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Coupa read as Coupa Expense Management
Divvy read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
QuickBooks read as QuickBooks Online Expenses
QuickBooks Expense read as QuickBooks Online Expenses
QuickBooks Online read as QuickBooks Online Expenses
Rippling read as Rippling Spend
Sage Expense read as Sage Expense Management
Wave Accounting read as Wave
Unresolved, counted raw
Albert
ExpenseOnDemand
Expensya
Mobills - Budget Planner
Moneyspire
NerdWallet: Manage Your Money
PocketGuard
QuickBooks Online Expense
Skovik
Timesheets.com
Veryfi
Wallet: Budget Expense Tracker
Zappi
Discontinued, still offered
No shut-down product was recommended here.