Expense management
Asked as “expense management software”, and as “employee expense reporting tool”, on behalf of a mid-market B2B company. 52 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
35%
Contested · Zoho Expense 21%
35Ramp21Zoho Expense10Expensify35others
35% of first choices, contested.
Since September 2026▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Ramp held the lead, −1 point on 34%, 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 Expense37%Contested=heldSince September 2026: 36% → 36%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-market
Ramp35%Contested▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageEnterprise
SAP Concur68%Clear leader▲+5Since September 2026: 66% → 71%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →
Zoho Expense37%Contested=heldSince September 2026: 36% → 36%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketRamp35%Contested▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageEnterpriseSAP Concur68%Clear leader▲+5Since September 2026: 66% → 71%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.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 September 2026
01Ramp35%8%53endorsed leader▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.34% → 33%
Ramp35%8%53endorsed leader▼−1Since September 2026: 34% → 33%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.34% → 33%02Zoho Expense21%5%38accepted challenger▲+5Since September 2026: 17% → 22%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.17% → 22%
Zoho Expense21%5%38accepted challenger▲+5Since September 2026: 17% → 22%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.17% → 22%03
Expensify10%17%64accepted challenger▲+7Since September 2026: 4% → 11%, +7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 11%
Expensify10%17%64accepted challenger▲+7Since September 2026: 4% → 11%, +7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 11%04
BILL Spend & Expense6%11%46accepted challenger▼−2Since September 2026: 9% → 7%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 7%
BILL Spend & Expense6%11%46accepted challenger▼−2Since September 2026: 9% → 7%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 7%05
Brex4%12%34accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 4%
Brex4%12%34accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 4%06
Navan4%7%27accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%
Navan4%7%27accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%07
Rippling Spend4%8%24accepted challenger▼−4Since September 2026: 9% → 4%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 4%
Rippling Spend4%8%24accepted challenger▼−4Since September 2026: 9% → 4%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 4%08SAP Concur4%44%45criticized challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%
SAP Concur4%44%45criticized challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%09
Spendesk2%0%11accepted challenger▼−8Since September 2026: 11% → 2%, −8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.11% → 2%
Spendesk2%0%11accepted challenger▼−8Since September 2026: 11% → 2%, −8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.11% → 2%Show the two products at 0%, ordered by negative rate
11
Rydoo0%30%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Rydoo0%30%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Emburse0%0%14accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Emburse0%0%14accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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 BrexRamp vs NavanRamp vs Rippling SpendRamp vs SAP ConcurZoho Expense vs ExpensifyZoho Expense vs BILL Spend & ExpenseZoho Expense vs BrexZoho Expense vs NavanZoho Expense vs Rippling SpendZoho Expense vs SAP ConcurExpensify vs BILL Spend & ExpenseExpensify vs BrexExpensify vs NavanExpensify vs Rippling SpendExpensify vs SAP ConcurBILL Spend & Expense vs BrexBILL Spend & Expense vs NavanBILL Spend & Expense vs Rippling SpendBILL Spend & Expense vs SAP ConcurBrex vs NavanBrex vs Rippling SpendBrex vs SAP ConcurNavan vs Rippling SpendNavan vs SAP ConcurRippling Spend vs SAP Concur
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 →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Ramp35%
Ramp35%02Zoho Expense21%
Zoho Expense21%03Expensify10%
Expensify10%04BILL Spend & Expense6%
BILL Spend & Expense6%05Brex4%
Brex4%06Navan4%
Navan4%07Rippling Spend4%
Rippling Spend4%08SAP Concur4%
SAP Concur4%09Spendesk2%
Spendesk2%10Emburse0%
Emburse0%11Rydoo0%
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 4.1 Fast, 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.
Expensify17%
11 of 64 labels negative · 11 of 14 models · 4 hard negative
“criticized for complex and unintuitive interfaces, unexpected fees, unreliable credit card syncing, and poor customer support” Mistral Small, negative prompt
SAP Concur44%
20 of 45 labels negative · 11 of 14 models · 3 hard negative
“Cautions: Slow OCR, rigid workflows, and approver experience issues are common in larger enterprise rollouts.” Muse Glimmer 30B, negative prompt
BILL Spend & Expense11%
5 of 46 labels negative · 5 of 14 models · 1 hard negative
“**BILL/Divvy** (bugs and support)” DeepSeek V4 Flash, negative prompt
Brex12%
4 of 34 labels negative · 4 of 14 models · 1 hard negative
“Brex (Avoid if you are a bootstrapped or traditional small business)” Gemini 3.5 Flash, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
77 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. 1016 links across 184 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
vendor site · BILL42 answers · 62 citations · 13 models
vendor site · OFX36 answers · 36 citations · 10 models
vendor site · Ramp34 answers · 52 citations · 14 models
vendor site · Airwallex33 answers · 41 citations · 12 models
vendor site · G230 answers · 40 citations · 13 models
vendor site · G229 answers · 47 citations · 12 models
vendor site · Brex28 answers · 36 citations · 11 models
vendor site · Emburse27 answers · 37 citations · 10 models
vendor site · Expensify22 answers · 27 citations · 12 models
20 answers · 23 citations · 10 models
vendor site · Rippling20 answers · 21 citations · 8 models
vendor site · Spendesk17 answers · 17 citations · 8 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.
34 answers · 10 models
24 answers · 10 models
22 answers · 10 models
21 answers · 10 models
17 answers · 8 models
16 answers · 9 models
16 answers · 10 models
16 answers · 11 models
16 answers · 7 models
16 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 | 35% | 1042 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 3 |
| Zoho parent site Zoho Expense 21% | 21% | 186 | 5,400 | 52 | ||||
| Expensify expensify.com | 10% | 241 | 74,000 | 932 | 76,291 | 0 | 1 | |
| BILL bill.com BILL Spend & Expense 6% | 6% | 342 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Airbase airbase.com | 6% | 158 | 14,800 | 577 | 5,429 | |||
| Brex brex.com | 4% | 640 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 3 |
| Navan navan.com | 4% | 306 | 110,000 | 1,342 | 175,958 | $2,716 | 120 | 8 |
| Rippling rippling.com Rippling Spend 4% | 4% | 95 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| SAP Concur sap.com | 4% | 414 | 74,000 | 502 | 2,214,514 | $1,251 | 23 | |
| Spendesk spendesk.com | 2% | 88 | 1,000 | 22 | 24,610 | 6 |
Google's top ten for the three searches hold 18 sites; 3 of them are among the sites the models cited here (brex.com, 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 4.5Ramp, SpendeskRampChangedno first choiceZoho Expenseno first choiceagainst: Brex, Expensify, Ramp, Rydoo, SAP Concur
Four alternatives
Airbase, BILL Spend & Expense, Brex, NavanThree alternatives
Emburse, Expensify, Zoho ExpenseTwo alternatives
BILL Spend & Expense, ExpensifyGPT-5.4 miniRippling SpendRampChangedagainst: SAP Concurno first choiceBILL Spend & Expense, Zoho Expenseno first choiceagainst: Rippling Spend, Zoho Expense
Five alternatives
Brex, Navan, Payhawk, Ramp, SAP ConcurTwo alternatives
Expensify, Zoho ExpenseEight alternatives
Brex, Coupa Expense Management, Emburse, Expensify, Navan, Ramp, SAP Concur, Zoho ExpenseOne alternative
ExpensifyGemini 3.5 FlashRampRampHeldagainst: SAP ConcurBrex, Rampagainst: SAP ConcurRampagainst: Navan, SAP ConcurBrex, Rampagainst: SAP Concuragainst: BILL Spend & Expense, Brex, Expensify, SAP Concur
Four alternatives
Airbase, Brex, Navan, Rippling SpendThree alternatives
Brex, Navan, Rippling SpendSeven alternatives
Airbase, BILL Spend & Expense, Expensify, Fyle, Mercury, Navan, Zoho ExpenseFour alternatives
Airwallex, BILL Spend & Expense, Expensify, Zoho ExpenseFour alternatives
Expensify, Navan, Rippling Spend, RydooPerplexity SonarPayhawkExpensifyChangedno first choiceZoho Expenseagainst: Expensifyno first choicenothing named
Four alternatives
BILL Spend & Expense, Expensify, Procurify, SAP ConcurThree alternatives
BILL Spend & Expense, Emburse Expense Professional, SAP ConcurTwo alternatives
BILL Spend & Expense, QuickBooks Online ExpensesGrok 4.1 FastNavanagainst: SAP ConcurRampChangedExpensify, Rampagainst: SAP ConcurRampno first choiceagainst: Credit Karma, Mint, QuickBooks Online Expenses, Ramp, SAP Concur, Xero
Two alternatives
Expensify, Rippling SpendOne alternative
BILL Spend & ExpenseFour alternatives
BILL Spend & Expense, Brex, Spendesk, Zoho ExpenseThree alternatives
BILL Spend & Expense, Wave, Zoho ExpenseMistral SmallAirbaseEmburse SpendChangedAirwallexZoho Expenseno first choiceagainst: Expensify, Navan, Sage Expense Management
Three alternatives
BILL Spend & Expense, Eco, RampThree alternatives
Expensify, Spendesk, Zoho ExpenseSix alternatives
BILL Spend & Expense, Brex, Expensify, Ramp, Rippling Spend, SAP ConcurTwo alternatives
BILL Spend & Expense, RampDeepSeek V4 FlashAirbase, Rampagainst: SAP ConcurRampChangedagainst: SAP ConcurRampZoho Expenseno first choiceagainst: BILL Spend & Expense, Emburse Nexonia, Expensify, Mint
Two alternatives
Brex, PayhawkFour alternatives
BILL Spend & Expense, Expensify, Navan, Rippling SpendSix alternatives
BILL Spend & Expense, Brex, Expensify, Rippling Spend, SAP Concur, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampLlama 4 Maverickno first choiceno first choiceHeldno first choiceZoho Expenseno first choiceagainst: Coupa Expense Management, Expensify, Rydoo, SAP Concur, Zoho Expense
Three alternatives
BILL Spend & Expense, Expensify, RampQwen 3.7 FlashBrex, Rampagainst: SAP ConcurExpensifyChangedRampZoho Expenseno first choiceagainst: Oracle NetSuite Supplier Lifecycle Management, SAP Aribaagainst: BILL Spend & Expense, Expensify, Rippling Spend, Rydoo
Three alternatives
BILL Spend & Expense, Expensify, RydooThree alternatives
Ramp, Rippling Spend, Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, SAP Concur, Zoho ExpenseTwo alternatives
Expensify, RampTwo alternatives
Brex, Rippling SpendKimi K2Expensify, Rampagainst: SAP ConcurRampChangedRampZoho Expenseno first choiceagainst: BILL Spend & Expense, Expensify, SAP Concur
Two alternatives
Brex, EmburseThree alternatives
Airbase, BILL Spend & Expense, ExpensifySeven alternatives
BILL Spend & Expense, Brex, Expensify, Navan, Rho, Rippling Spend, SAP ConcurThree alternatives
Expensify, Ramp, WaveGLM 4.7 FlashXAirbase, RampExpensifyChangedagainst: SAP ConcurExpensifyBILL Spend & Expense, Zoho Expenseno first choiceagainst: Plaid, SAP Concur
Four alternatives
Expensify, Rippling Spend, SAP Concur, Zoho ExpenseTwo alternatives
Ramp, Zoho ExpenseEight alternatives
Airwallex, Navan, Rippling Finance, Rippling Spend, Rydoo, SAP Concur, Spendesk, Zoho ExpenseTwo alternatives
Expensify, FreshBooksMiniMax M2.5Expensify, Rippling Spend, SAP ConcurBILL Spend & ExpenseChangedno first choiceZoho Expenseagainst: QuickBooks Online Expensesno first choiceagainst: BILL Spend & Expense, Brex, Expensify, Ramp
Five alternatives
Airwallex, BILL Spend & Expense, Navan, Paylocity, RampThree alternatives
Emburse, Expensify, Zoho ExpenseTwo alternatives
BILL Spend & Expense, ExpensifyGPT-6 LunaRampRampHeldno first choiceRampno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
Three alternatives
Brex, Navan, SAP ConcurThree alternatives
Brex, Expensify, SAP ConcurOne alternative
Zoho ExpenseMuse Glimmer 30BNavan, SAP ConcurEmburse Professional, formerly Emburse CertifyChangedExpensifyZoho Expenseno first choiceagainst: Coupa Expenses, Expensify, SAP Concur
Four alternatives
Airbase, Paylocity, Rippling Spend, RydooTwo alternatives
Expensify, SAP ConcurSeven alternatives
BILL Spend & Expense, Brex, Navan, Ramp, Rippling Spend, SAP Concur, Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, Ramp, WaveBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 09:44 | yes | 10 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:04 | yes | 3 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:42 | yes | 21 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 09:19 | yes | 19 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:11 | yes | 24 | 17 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:13 | yes | 5 | 3 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:47 | yes | 24 | 37 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:17 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:54 | no | 0 | 31 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:28 | yes | 9 | 15 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:51 | yes | 19 | 36 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:56 | yes | 5 | 38 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:37 | yes | 4 | 22 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:47 | yes | 14 | 15 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 07:57 | yes | 9 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:54 | yes | 4 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:29 | yes | 14 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:36 | yes | 19 | 4 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:59 | yes | 23 | 9 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:28 | yes | 9 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:38 | yes | 20 | 28 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:51 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:08 | no | 0 | 29 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:00 | yes | 14 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:22 | yes | 19 | 60 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:33 | yes | 9 | 24 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:24 | yes | 4 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:17 | yes | 13 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:35 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:33 | yes | 8 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:41 | yes | 9 | 20 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:21 | yes | 19 | 7 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:56 | yes | 23 | 10 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:48 | yes | 10 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:49 | yes | 16 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:59 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:06 | yes | 10 | 34 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:15 | yes | 12 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:47 | yes | 15 | 113 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:50 | yes | 10 | 15 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:36 | yes | 7 | 33 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:28 | yes | 13 | 35 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:23 | yes | 9 | 6 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:46 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:46 | yes | 16 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 11:06 | yes | 23 | 5 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:01 | yes | 24 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:44 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:44 | yes | 18 | 23 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:53 | yes | 10 | 4 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:49 | yes | 5 | 17 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:19 | yes | 12 | 17 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:45 | yes | 25 | 24 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:11 | yes | 5 | 25 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:20 | yes | 2 | 10 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:51 | yes | 14 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:08 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:45 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:08 | yes | 11 | 31 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:20 | yes | 14 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:34 | yes | 13 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:23 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:51 | yes | 20 | 44 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:30 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:03 | no | 0 | 36 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:16 | yes | 10 | 20 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:13 | yes | 13 | 37 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:52 | no | 0 | 32 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:49 | yes | 2 | 20 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:32 | yes | 14 | 24 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:32 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:01 | yes | 5 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:04 | yes | 25 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 08:35 | yes | 24 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:11 | yes | 25 | 7 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:57 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:26 | yes | 24 | 32 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:31 | yes | 9 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:06 | yes | 19 | 46 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:37 | yes | 25 | 23 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:17 | yes | 25 | 54 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:30 | yes | 24 | 32 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:41 | yes | 5 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:32 | yes | 20 | 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 (Spend & Expense / formerly Divvy) read as BILL Spend & Expense
Bill (formerly Bill.com) read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Certify read as Emburse
Coupa read as Coupa Expense Management
Divvy read as BILL Spend & Expense
QuickBooks Online read as QuickBooks Online Expenses
Rippling read as Rippling Spend
Wave Accounting read as Wave
Unresolved, counted raw
247HRM
Cheetah
Coupa Expenses
Emburse Expense Professional
Emburse Nexonia
Emburse Spend
Oracle NetSuite Supplier Lifecycle Management
Personal Capital
Wizely
Discontinued, still offered
No shut-down product was recommended here.
Follow Expense management
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