# Expense management for enterprise buyers: 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 an enterprise B2B company. Page: https://www.gane.ai/index/finance/spend/expense-management/enterprise

**Standing:** SAP Concur leads with 63% of first choices; verdict clear leader. 51 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [SAP Concur](https://www.gane.ai/index/finance/vendors/sap-concur/index.md) | 63% | 18% | 73 |
| 2 | [Ramp](https://www.gane.ai/index/finance/vendors/ramp/index.md) | 16% | 15% | 59 |
| 3 | [Expensify](https://www.gane.ai/index/finance/vendors/expensify/index.md) | 10% | 40% | 48 |
| 4 | [Navan](https://www.gane.ai/index/finance/vendors/navan/index.md) | 6% | 9% | 47 |
| 5 | [Brex](https://www.gane.ai/index/finance/vendors/brex/index.md) | 4% | 23% | 44 |
| 6 | [Coupa Expense Management](https://www.gane.ai/index/finance/vendors/coupa-expense-management/index.md) | 2% | 13% | 23 |
| 7 | [Emburse](https://www.gane.ai/index/finance/vendors/emburse/index.md) | 0% | 3% | 33 |
| 8 | [Payhawk](https://www.gane.ai/index/finance/vendors/payhawk/index.md) | 0% | 9% | 11 |
| 9 | [Rippling Spend](https://www.gane.ai/index/finance/vendors/rippling-spend/index.md) | 0% | 10% | 10 |
| 10 | [Airbase](https://www.gane.ai/index/finance/vendors/airbase/index.md) | 0% | 20% | 10 |
| 12 | [BILL Spend & Expense](https://www.gane.ai/index/finance/vendors/bill-spend-expense/index.md) | 0% | 23% | 13 |
| 21 | [Zoho Expense](https://www.gane.ai/index/finance/vendors/zoho-expense/index.md) | 0% | 39% | 23 |

Rank is by share of first choices among all 40 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: SAP Concur; alternatives Ramp, Rippling Spend
- GPT-5.4 mini: SAP Concur; alternatives Brex, Ramp
- Gemini 3.5 Flash: SAP Concur; alternatives Brex, Coupa Expense Management, Navan, Ramp
- Perplexity Sonar: SAP Concur; alternatives Brex, Navan, Ramp, Spendesk
- Grok 4.20: Navan, SAP Concur; alternatives Ramp
- Mistral Small: SAP Concur; alternatives Airbase, Brex, Expensify, Fyle
- DeepSeek V4 Flash: Coupa Expense Management, SAP Concur; alternatives Brex, Navan, Ramp
- Llama 4 Maverick: no first choice
- Qwen 3.7 Flash: SAP Concur; alternatives Airbase, Brex, Expensify, Ramp
- Kimi K2: Brex, Ramp; alternatives Expensify, Navan, SAP Concur
- GLM 4.7 FlashX: SAP Concur; alternatives Expensify, Navan, Ramp, Rippling Spend
- MiniMax M2.5: SAP Concur; alternatives Expensify, Ramp
- GPT-6 Luna: Ramp; alternatives Brex, Navan, SAP Concur
- Muse Glimmer 30B: SAP Concur; alternatives BILL Spend & Expense, Brex, Expensify, Navan, formerly TripActions

## Sources the answers cite

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

- concur.com: 31 answers, 49 citations
- emburse.com: 26 answers, 34 citations
- albato.com: 25 answers, 25 citations
- concur.co.uk: 24 answers, 28 citations
- resources.rework.com: 23 answers, 25 citations
- ramp.com: 22 answers, 26 citations
- techtimes.com: 22 answers, 24 citations
- use.expensify.com: 22 answers, 23 citations

Pages named in the most answers:

- https://albato.com/blog/publications/best-expense-management-software (25 answers)
- https://concur.co.uk/blog/article/best-expense-management-software-for-businesses-in-2026 (21 answers)
- https://resources.rework.com/tools/spend-expense/best-expense-management-software-2026 (21 answers)
- https://use.expensify.com/resource-center/guides/best-expense-management-software (21 answers)
- https://payoneer.com/resources/business/best-expense-management-software (19 answers)
- https://techrepublic.com/article/expense-management-software (19 answers)
- https://expensify.com/ (16 answers)
- https://techtimes.com/articles/314912/20260302/top-5-best-expense-management-software-2026.htm (16 answers)
- https://emburse.com/resources/enterprise-expense-management-software (12 answers)
- https://ramp.com/enterprise (12 answers)

## Warned against

- SAP Concur: 13 of 73 labels negative. "Avoid Concur unless you have a mandatory SAP ERP integration requirement, as its per-report pricing can become unpredictable and costly." (Muse Glimmer 30B, negative prompt)
- Expensify: 19 of 48 labels negative. "Not considered viable for scaling companies that need to manage expenses effectively, with a high number of negative labels and hard negatives." (Llama 4 Maverick, negative prompt)
- Ramp: 9 of 59 labels negative. "Avoid: Pure per-user models (like Expensify, Ramp at scale)" (Kimi K2, budget prompt)
- Brex: 10 of 44 labels negative. "Lean card-first tools like Ramp or Brex — … best when the organization primarily needs corporate cards and basic expense tracking" (Muse Glimmer 30B, negative prompt)

## Movement since October 2026

Floor: 10 points of share, measured on the calibration repeat.
Same leader: SAP Concur at 63%.

- Expensify: 2% to 10%, +8. Inside the floor by 2 points · rank 8 → 3 of 40.
- Navan: 0% to 6%, +6. Inside the floor by 4 points · rank 9 → 4 of 40.
- SAP Concur: 68% to 63%, −5. Inside the floor by 5 points · rank 1 of 40, unchanged.
- Brex: 0% to 4%, +4. Inside the floor by 6 points · rank 11 → 5 of 40.
- Emburse: 4% to 0%, −4. Inside the floor by 6 points · rank 3 → 7 of 40.
- BILL Spend & Expense: 4% to 0%, −4. Inside the floor by 6 points · rank 4 → 12 of 40.
- Coupa Expense Management: 0% to 2%, +2. Inside the floor by 8 points · rank 10 → 6 of 40.
- Payhawk: 2% to 0%, −2. Inside the floor by 8 points · rank 5 → 8 of 40.
- Ramp: 15% to 16%, +1. Inside the floor by 9 points · rank 2 of 40, unchanged.
- Rippling Spend: 0% to 0%, ±0. Inside the floor by 10 points · rank 12 → 9 of 40.
- Airbase: 0% to 0%, ±0. Inside the floor by 10 points · rank 13 → 10 of 40.
- Zoho Expense: 0% to 0%, ±0. Inside the floor by 10 points · rank 47 → 21 of 40.

## 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.