Index › HR › Compensation and total rewards › Financial wellness › Small business · November 2026 Edition
Financial wellness platforms for small business buyers
Asked as “financial wellness platform”, and as “employee financial wellness benefit”, on behalf of a small B2B company. 39 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
28%
Contested · ZayZoon 21%
28Your Money Line21ZayZoon08LearnLux44others
28% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: Your Money Line (28%) replaces ZayZoon (23% then, 21% now), 7 points clear, inside the 13-point floor.Your Money Line leads at 28%, replacing ZayZoon, which led at 23% and stands at 21% now: 7 points clear, inside the floor, so the swap reads as unsettled.
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
Your Money Line28%Contested↗new leaderNew leader since October 2026: Your Money Line (28%) replaces ZayZoon (23% then, 21% now), 7 points clear, inside the 13-point floor.This pageMid-market
Financial Finesse34%Contested↗new leaderNew leader since October 2026: Financial Finesse (34%) replaces LearnLux (24% then, 7% now), 27 points clear, past the 13-point floor.Standing →EnterpriseFinancial Finesse45%Clear leader↗new leaderNew leader since October 2026: Financial Finesse (45%) replaces LearnLux (23% then, 10% now), 35 points clear, past the 13-point floor.Standing →
Your Money Line28%Contested↗new leaderNew leader since October 2026: Your Money Line (28%) replaces ZayZoon (23% then, 21% now), 7 points clear, inside the 13-point floor.This pageMid-marketFinancial Finesse34%Contested↗new leaderNew leader since October 2026: Financial Finesse (34%) replaces LearnLux (24% then, 7% now), 27 points clear, past the 13-point floor.Standing →EnterpriseFinancial Finesse45%Clear leader↗new leaderNew leader since October 2026: Financial Finesse (45%) replaces LearnLux (23% then, 10% now), 35 points clear, past the 13-point floor.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Your Money Line28%0%30accepted challenger▲+25Since October 2026: 3% → 28%, +25 points. Past the 13-point floor: movement.3% → 28%
Your Money Line28%0%30accepted challenger▲+25Since October 2026: 3% → 28%, +25 points. Past the 13-point floor: movement.3% → 28%02
ZayZoon21%6%33accepted challenger▼−2Since October 2026: 23% → 21%, −2 points. Inside the 13-point floor: within noise.23% → 21%
ZayZoon21%6%33accepted challenger▼−2Since October 2026: 23% → 21%, −2 points. Inside the 13-point floor: within noise.23% → 21%03
SmartDollar8%9%44accepted challenger=heldSince October 2026: 8% → 8%, ±0 points. Inside the 13-point floor: within noise.8% → 8%
SmartDollar8%9%44accepted challenger=heldSince October 2026: 8% → 8%, ±0 points. Inside the 13-point floor: within noise.8% → 8%04
LearnLux8%0%24accepted challenger=heldSince October 2026: 8% → 8%, ±0 points. Inside the 13-point floor: within noise.8% → 8%
LearnLux8%0%24accepted challenger=heldSince October 2026: 8% → 8%, ±0 points. Inside the 13-point floor: within noise.8% → 8%05
Payactiv5%16%31accepted challenger▼−5Since October 2026: 10% → 5%, −5 points. Inside the 13-point floor: within noise.10% → 5%
Payactiv5%16%31accepted challenger▼−5Since October 2026: 10% → 5%, −5 points. Inside the 13-point floor: within noise.10% → 5%06
Chime Workplace5%7%14accepted challenger▼−3Since October 2026: 8% → 5%, −3 points. Inside the 13-point floor: within noise.8% → 5%
Chime Workplace5%7%14accepted challenger▼−3Since October 2026: 8% → 5%, −3 points. Inside the 13-point floor: within noise.8% → 5%07
Origin3%6%17accepted challenger▼−2Since October 2026: 5% → 3%, −2 points. Inside the 13-point floor: within noise.5% → 3%
Origin3%6%17accepted challenger▼−2Since October 2026: 5% → 3%, −2 points. Inside the 13-point floor: within noise.5% → 3%08
BrightPlan3%6%18accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise.0% → 3%
BrightPlan3%6%18accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise.0% → 3%09
Enrich3%0%14accepted challenger=heldSince October 2026: 3% → 3%, ±0 points. Inside the 13-point floor: within noise.3% → 3%
Enrich3%0%14accepted challenger=heldSince October 2026: 3% → 3%, ±0 points. Inside the 13-point floor: within noise.3% → 3%10Financial Finesse3%21%19accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise.0% → 3%
Financial Finesse3%21%19accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise.0% → 3%Show the three products at 0%, ordered by negative rate
13
DailyPay0%18%17accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
DailyPay0%18%17accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%12
Betterment at Work0%12%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Betterment at Work0%12%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%11
FinFit0%9%23accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%
FinFit0%9%23accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 13-point floor: within noise.5% → 0%The floor is 13 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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-eight head-to-head pages: the top eight products, each against each
Financial Finesse vs LearnLuxFinancial Finesse vs EnrichFinancial Finesse vs OriginFinancial Finesse vs PayactivYour Money Line vs ZayZoonYour Money Line vs SmartDollarYour Money Line vs LearnLuxYour Money Line vs EnrichYour Money Line vs OriginYour Money Line vs PayactivZayZoon vs SmartDollarZayZoon vs LearnLuxZayZoon vs EnrichZayZoon vs OriginZayZoon vs PayactivSmartDollar vs LearnLuxSmartDollar vs EnrichSmartDollar vs OriginSmartDollar vs PayactivLearnLux vs EnrichLearnLux vs OriginLearnLux vs PayactivEnrich vs OriginEnrich vs PayactivOrigin vs Payactiv
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 →
01020304050607080910111213Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Your Money Line28%
Your Money Line28%02ZayZoon21%
ZayZoon21%03SmartDollar8%
SmartDollar8%04LearnLux8%
LearnLux8%05Payactiv5%
Payactiv5%06Chime Workplace5%
Chime Workplace5%07Origin3%
Origin3%08BrightPlan3%
BrightPlan3%09Enrich3%
Enrich3%10Financial Finesse3%
Financial Finesse3%11FinFit0%
FinFit0%12Betterment at Work0%
Betterment at Work0%13DailyPay0%
DailyPay0%What they warned about
Two of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 and GPT-6 Luna 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.
Payactiv16%
5 of 31 labels negative · 4 of 14 models · 2 hard negative
“Payactiv has 419 BBB complaints in 3 years ... High fees, access failures, poor support” DeepSeek V4 Flash, negative prompt
Financial Finesse21%
4 of 19 labels negative · 4 of 14 models
“Highly rated, but pricing is generally quote-based, so it may be less predictable for a very small budget.” Perplexity Sonar, budget prompt
SmartDollar9%
4 of 44 labels negative · 4 of 14 models
“Caution with SmartDollar: Users and reviewers ... have consistently cited high fees, vague pricing structures, and manual payroll processing” Qwen 3.7 Flash, negative prompt
DailyPay18%
3 of 17 labels negative · 3 of 14 models · 1 hard negative
“Shows a 21-25% negative rate and 0% first-choice share. Issues include: Technical failures causing transfer issues” MiniMax M2.5, 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
74 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. 865 links across 248 sites, every framing counted. Ranked by the number of answers carrying the site or page. 35 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.
vendor site · G244 answers · 93 citations · 13 models
vendor site · Lead Change Group33 answers · 71 citations · 10 models
32 answers · 33 citations · 11 models
25 answers · 25 citations · 10 models
24 answers · 29 citations · 10 models
21 answers · 21 citations · 9 models
vendor site · Guideflow18 answers · 18 citations · 7 models
vendor site · ZayZoon17 answers · 22 citations · 8 models
publisher (Gane)16 answers · 20 citations · 9 models
vendor site · Your Money Line14 answers · 21 citations · 7 models
12 answers · 12 citations · 7 models
10 answers · 11 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.
42 answers · 13 models
32 answers · 11 models
25 answers · 10 models
18 answers · 7 models
18 answers · 9 models
18 answers · 8 models
16 answers · 9 models
13 answers · 8 models
12 answers · 7 models
10 answers · 6 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 financial wellness platform”, “financial wellness platform”, “financial wellness platforms”. 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 |
|---|---|---|---|---|---|---|---|---|
| Your Money Line yourmoneyline.com | 28% | 80 | 720 | 119 | 6,683 | $8,667 | 3 | 5 |
| ZayZoon zayzoon.com | 21% | 167 | 90,500 | 304 | 39,895 | 1 | ||
| SmartDollar smartdollar.hk | 8% | 116 | 2,900 | 62 | 3 | |||
| LearnLux learnlux.com | 8% | 69 | 720 | 14 | 1,294 | 0 | ||
| Payactiv payactiv.com | 5% | 208 | 110,000 | 700 | 92,054 | $231 | 13 | 6 |
| Chime Workplace chime.com | 5% | 44 | 320 | 1 | 1,490,450 | $409,615 | 120 | |
| Gusto gusto.com Gusto 3%, Gusto Wallet 3% | 5% | 742 | 673,000 | 10,560 | 1,629,483 | 118 | ||
| Origin useorigin.com | 3% | 42 | 201,000 | 2,574,135 | 26,001 | 9 | ||
| BrightPlan brightplan.com | 3% | 83 | 880 | 9 | 804 | 0 | ||
| Enrich enrich.org | 3% | 59 | 33,100 | 12,220 | 13,683 | 9 |
Google's top ten for the three searches hold 25 sites; 3 of them are among the sites the models cited here (guideflow.com, peoplemanagingpeople.com, yourmoneyline.com). The first result for “best financial wellness platform” is myshortlister.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 financial wellness platform for a small B2B company?”Paraphrase“Which employee financial wellness benefit would you recommend to a small business that sells to other businesses?”Comparative“What are the top financial wellness platforms for a small team and how do they differ?”Budget-constrained“What is the best financial wellness platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a financial wellness platform. What should we look at?”Negative“Which financial wellness platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5LearnLuxno first choiceChangedFinancial FinessePayactivno first choiceagainst: Chime Workplace
Four alternatives
Brightside, Chime Workplace, LifeCents, SpringFour alternatives
BrightPlan, LearnLux, SmartDollar, Your Money LineTwo alternatives
BeBalanced Financial Wellness, SpringGPT-5.4 miniSmartDollaragainst: Gustono first choiceChangedSmartDollarGustono first choicenothing named
Four alternatives
FinFit, Payactiv, Paytient, ZayZoonFour alternatives
Chime Workplace, LearnLux, Payactiv, Tuition.ioFour alternatives
OnPay, Payactiv, SmartDollar, ZayZoonGemini 3.5 FlashOriginno first choiceChangedNorthstar, OriginGusto Wallet, Savologyno first choiceagainst: Brightside, Financial Fitness Groupnothing named
Four alternatives
Candidly, LearnLux, Savology, Your Money LineSix alternatives
Betterment for Business, Guideline, Human Interest, LearnLux, Origin, SmartDollarFive alternatives
FinFit, Savology, SmartDollar, Your Money Line, ZayZoonFive alternatives
FinFit, SmartDollar, Tapcheck, Your Money Line, ZayZoonFive alternatives
LearnLux, Mintago, Northstar, Origin, QuestisPerplexity SonarYour Money Lineno first choiceChangedYour Money LineZayZoonagainst: Financial Finesseno first choiceagainst: FinFit
Four alternatives
BrightPlan, Financial Finesse, SmartDollar, ZayZoonSeven alternatives
BrightPlan, Brightside, Financial Finesse, LearnLux, Payactiv, SmartDollar, SummerTwo alternatives
Questis, Your Money LineGrok 4.20ZayZoonno first choiceChangedFinancial FinesseZayZoonno first choiceagainst: Bright Money, Collective, Financial Wellness Group, Kabbage, Novo, Ramp, Truly Financial
Four alternatives
Chime Workplace, Enrich, Financial Finesse, PayactivSix alternatives
BrightPlan, Enrich, Nudge, Origin, SmartDollar, ZayZoonThree alternatives
Origin, Questis, SmartDollarMistral SmallYour Money Lineno first choiceChangedSmartDollarSmartDollar, Your Money Lineagainst: Waveno first choiceagainst: DailyPay
Four alternatives
FinFit, LearnLux, Payactiv, SmartDollarSeven alternatives
Betterment at Work, DailyPay, Enrich, FinFit, Origin, Payactiv, ZayZoonOne alternative
Quicken Business & PersonalDeepSeek V4 FlashLearnLuxno first choiceChangedagainst: Payactiv, SEP or SIMPLE IRA, ZayZoonOriginYour Money LineFinancial Finesse, Your Money Lineagainst: Branch, DailyPay, Payactiv, ZayZoon
Two alternatives
Origin, Your Money LineFive alternatives
Betterment, Guideline, Human Interest, Principal, SmartDollarFive alternatives
BrightPlan, Enrich, Financial Finesse, My Secure Advantage, SmartDollarThree alternatives
Chime Workplace, Savology, StreamTwo alternatives
BrightPlan, SmartDollarLlama 4 Maverickno first choiceno first choiceHeldno first choiceSmartDollarno first choiceagainst: Payactiv
Qwen 3.7 FlashZayZoonno first choiceChangedZayZoonChime Workplaceno first choiceagainst: OrbisPay, SmartDollar
Five alternatives
Betterment at Work, LearnLux, Payactiv, SmartDollar, Your Money LineThree alternatives
Brightside, Even, SimpleBudgetingSix alternatives
CommonBond, Gusto, Rippling, SmartDollar, Tuition.io, Your Money LineThree alternatives
FinFit, QuickBooks Online, SmartDollarKimi K2Best Money Moves, Your Money Lineagainst: Financial Finesse, Originno first choiceChangedBest Money MovesPayactiv, Your Money Line, ZayZoonagainst: SmartDollarBrightPlan, LearnLux, Your Money Lineagainst: Acorns
One alternative
VestwellFive alternatives
Financial Finesse, LearnLux, Origin, SmartDollar, Your Money LineOne alternative
FinFitGLM 4.7 FlashXYour Money Lineno first choiceChangedBrightDime, SmartDollarYour Money Lineagainst: Betterment at Workno first choiceagainst: BILL, Hello Seven, Revolut Business, Truly Financial
Four alternatives
Betterment at Work, Financial Finesse, SmartDollar, ZayZoonThree alternatives
DailyPay, Payactiv, TapcheckSix alternatives
DailyPay, Financial Finesse, Payactiv, Stream, Wisely, ZayZoonThree alternatives
Chime Workplace, SmartDollar, ZayZoonMiniMax M2.5ZayZoonno first choiceChangedPayactiv, ZayZoonagainst: Financial FinesseWave Financialno first choiceagainst: BrightPlan, DailyPay, Payactiv, SmartDollar
Three alternatives
Betterment at Work, LearnLux, PayactivThree alternatives
DailyPay, FinFit, SmartDollarFour alternatives
Payactiv, Quicken Business & Personal, SmartDollar, Zoho BooksGPT-6 LunaChime Workplaceno first choiceChangedOrigin, SmartDollar, Your Money Lineagainst: FinFitEnrichagainst: BrightDimeno first choiceagainst: Zoe Financial
One alternative
LearnLuxOne alternative
LearnLuxOne alternative
FinFit through PaychexMuse Glimmer 30BZayZoonZayZoonHeldYour Money Lineagainst: Best Money Moves, Financial Finesse, My Secure AdvantageQuestis, Your Money Lineno first choiceagainst: Betterment at Work, Payactiv, Ramsey Solutions, SmartDollar
Six alternatives
Enrich, LearnLux, Origin, Payactiv, SmartDollar, Your Money LineTwo alternatives
Chime Workplace, PayactivThree alternatives
Brightside, Enrich, SmartDollarOne alternative
Brightside Financial CareBold 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 10:40 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:55 | yes | 2 | 8 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 11:25 | yes | 5 | 20 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:49 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 22 | 32 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:05 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:42 | yes | 23 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:29 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:38 | yes | 5 | 26 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:17 | yes | 18 | 81 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:56 | yes | 12 | 21 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:20 | yes | 5 | 56 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:04 | yes | 2 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:59 | yes | 8 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:37 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:51 | no | 0 | 2 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 08:44 | yes | 4 | 20 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:44 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:06 | yes | 5 | 31 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:54 | no | 0 | 2 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:48 | yes | 22 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:50 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:01 | no | 0 | 27 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:13 | yes | 10 | 42 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:01 | yes | 20 | 199 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:12 | yes | 5 | 25 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:57 | yes | 2 | 16 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:00 | yes | 21 | 22 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:43 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:47 | yes | 4 | 7 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 10:22 | yes | 7 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:06 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 10 | 38 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:10 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:56 | yes | 24 | 30 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:05 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:39 | yes | 13 | 22 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:36 | yes | 18 | 77 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:46 | yes | 23 | 121 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:44 | yes | 23 | 39 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:49 | yes | 6 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:13 | yes | 22 | 46 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:55 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:49 | yes | 3 | 4 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 10:29 | yes | 7 | 18 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:06 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 22 | 39 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:03 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:05 | yes | 25 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:40 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:06 | yes | 8 | 28 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:47 | yes | 14 | 21 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:56 | yes | 16 | 26 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:37 | yes | 5 | 31 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:42 | yes | 4 | 13 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:55 | yes | 22 | 27 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:05 | no | 0 | 10 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:44 | 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 08:48 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:41 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:07 | yes | 10 | 29 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:58 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:30 | yes | 18 | 40 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:06 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:37 | no | 0 | 26 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:42 | yes | 20 | 49 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:10 | yes | 15 | 36 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:29 | no | 0 | 76 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:48 | yes | 3 | 16 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:21 | yes | 13 | 17 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:08 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:54 | yes | 4 | 5 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 09:08 | yes | 8 | 25 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:14 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 9 | 35 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:42 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:14 | yes | 23 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:22 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:03 | yes | 20 | 48 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:24 | yes | 25 | 28 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:22 | yes | 24 | 66 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:56 | yes | 22 | 58 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:56 | yes | 3 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:45 | yes | 25 | 27 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
None. Every name in this category resolved on its own.
Unresolved, counted raw
Asset-Map
BILL
BeBalanced
CommonBond
Dave for Business
FinFit through Paychex
Financial Fitness Group
Financial Wellness Group
Guideflow-recommended tools
Hello Seven
Kabbage (now part of American Express)
Mariner Financial Wellness
Mintago
Minty
MyMoney.gov
Novo (Novo Platform Inc.)
Ramsey Solutions
Revolut Business
SEP or SIMPLE IRA
SimpleBudgeting
YourMoneyLine
Zoe Financial
Discontinued, still offered
No shut-down product was recommended here.