# Expense management: what AI models recommend, November 2026

Gane Index, November 2026 Edition. Asked as "expense management software" and as "employee expense reporting tool", six framings each, to fourteen models with search on, on behalf of a mid-market B2B company. Page: https://www.gane.ai/index/finance/spend/expense-management/2026-11

**Standing:** Ramp leads with 31% of first choices; verdict contested. 51 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [Ramp](https://www.gane.ai/index/finance/vendors/ramp/index.md) | 31% | 5% | 59 |
| 2 | [Zoho Expense](https://www.gane.ai/index/finance/vendors/zoho-expense/index.md) | 29% | 0% | 51 |
| 3 | [Expensify](https://www.gane.ai/index/finance/vendors/expensify/index.md) | 12% | 14% | 65 |
| 4 | [BILL Spend & Expense](https://www.gane.ai/index/finance/vendors/bill-spend-expense/index.md) | 6% | 7% | 43 |
| 5 | [Rippling Spend](https://www.gane.ai/index/finance/vendors/rippling-spend/index.md) | 6% | 0% | 15 |
| 6 | [Navan](https://www.gane.ai/index/finance/vendors/navan/index.md) | 4% | 7% | 42 |
| 7 | [Brex](https://www.gane.ai/index/finance/vendors/brex/index.md) | 4% | 8% | 37 |
| 9 | [Emburse](https://www.gane.ai/index/finance/vendors/emburse/index.md) | 2% | 15% | 13 |
| 10 | [SAP Concur](https://www.gane.ai/index/finance/vendors/sap-concur/index.md) | 2% | 43% | 47 |
| 12 | [Payhawk](https://www.gane.ai/index/finance/vendors/payhawk/index.md) | 0% | 0% | 10 |
| 13 | [Pleo](https://www.gane.ai/index/finance/vendors/pleo/index.md) | 0% | 0% | 11 |
| 14 | [Rydoo](https://www.gane.ai/index/finance/vendors/rydoo/index.md) | 0% | 7% | 14 |

Rank is by share of first choices among all 61 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: no first choice; alternatives Airbase, Paylocity, Rydoo, Spendesk
- GPT-5.4 mini: Ramp; alternatives Brex, Navan, Rippling Spend, SAP Concur
- Gemini 3.5 Flash: Ramp; alternatives Airbase, Brex, Navan
- Perplexity Sonar: Ramp; alternatives BILL Spend & Expense, Expensify, ITILITE, Navan
- Grok 4.20: Ramp; alternatives BILL Spend & Expense, Brex, Expensify, Zoho Expense
- Mistral Small: Brex, Expensify, Ramp; alternatives BILL Spend & Expense, Navan, Rippling Spend
- DeepSeek V4 Flash: Ramp; alternatives BILL Spend & Expense, Brex, Expensify, Zoho Expense
- Llama 4 Maverick: no first choice
- Qwen 3.7 Flash: Rippling Spend; alternatives BILL Spend & Expense, Navan, Ramp
- Kimi K2: Ramp; alternatives BILL Spend & Expense, Brex, Expensify, Zoho Expense
- GLM 4.7 FlashX: Zoho Expense; alternatives BILL Spend & Expense, Brex, Expensify, Ramp
- MiniMax M2.5: Expensify, Ramp; alternatives Navan, SAP Concur, Zoho Expense
- GPT-6 Luna: Ramp; alternatives Brex, Navan, SAP Concur
- Muse Glimmer 30B: Zoho Expense; alternatives Brex, Expensify, Navan, Ramp

## Sources the answers cite

73 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers:

- leadchangegroup.com: 28 answers, 34 citations
- bill.com: 20 answers, 28 citations
- use.expensify.com: 20 answers, 23 citations
- albato.com: 20 answers, 21 citations
- g2.com: 19 answers, 31 citations
- capterra.com: 16 answers, 27 citations
- resources.rework.com: 15 answers, 19 citations
- learn.g2.com: 15 answers, 15 citations

Pages named in the most answers:

- https://albato.com/blog/publications/best-expense-management-software (20 answers)
- https://leadchangegroup.com/expense-management-software/mid-market (19 answers)
- https://use.expensify.com/resource-center/guides/best-expense-management-software (18 answers)
- https://resources.rework.com/tools/spend-expense/best-expense-management-software-2026 (15 answers)
- https://learn.g2.com/expense-management-software-for-mid-market-teams (12 answers)
- https://bill.com/blog/best-expense-management-software (11 answers)
- https://leadchangegroup.com/expense-management-software/compare (11 answers)
- https://spendesk.com/blog/best-expense-management-software (11 answers)
- https://capterra.com/expense-report-software (10 answers)
- https://tech.co/accounting-software/best-expense-management-software (10 answers)

## Warned against

- SAP Concur: 20 of 47 labels negative. "it's often recommended to avoid unless you have a mandatory SAP ERP integration" (Mistral Small, negative prompt)
- Expensify: 9 of 65 labels negative. "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: 4 of 8 labels 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 & Expense: 3 of 43 labels negative. "the two I'd most strongly caution against based on user experiences" (DeepSeek V4 Flash, negative prompt)

## Movement since October 2026

Floor: 10 points of share, measured on the calibration repeat.
Same leader: Ramp at 31%.

- Zoho Expense: 21% to 29%, +8. Inside the floor by 2 points · rank 2 of 61, unchanged.
- Ramp: 35% to 31%, −4. Inside the floor by 6 points · rank 1 of 61, unchanged.
- Expensify: 10% to 12%, +2. Inside the floor by 8 points · rank 3 of 61, unchanged.
- Rippling Spend: 4% to 6%, +2. Inside the floor by 8 points · rank 8 → 5 of 61.
- Emburse: 0% to 2%, +2. Inside the floor by 8 points · rank 14 → 9 of 61.
- SAP Concur: 4% to 2%, −2. Inside the floor by 8 points · rank 9 → 10 of 61.
- Payhawk: 2% to 0%, −2. Inside the floor by 8 points · rank 11 → 12 of 61.
- Spendesk: 2% to 0%, −2. Inside the floor by 8 points · rank 10 → 15 of 61.
- BILL Spend & Expense: 6% to 6%, ±0. Inside the floor by 10 points · rank 4 of 61, unchanged.
- Navan: 4% to 4%, ±0. Inside the floor by 10 points · rank 7 → 6 of 61.
- Brex: 4% to 4%, ±0. Inside the floor by 10 points · rank 6 → 7 of 61.
- Pleo: 0% to 0%, ±0. Inside the floor by 10 points · rank 22 → 13 of 61.

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.