Expense management · October 2026 Edition
Ramp vs Zoho Expense
Seven of fourteen models named Ramp first on the direct prompt; zero named Zoho Expense. Both were named by all fourteen models and Ramp carries 53 labels and Zoho Expense 38, so the shares are not directly comparable.
Named in seventeen categories this edition.
Named in five categories this edition.
First-choice share35%21%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate8%5%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#2A position in a field of 11; printed, not drawn.
Labels5338A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Ramp reading right to left. Rank and label count are printed, not drawn.Ramp vs Expensify · Ramp vs BILL Spend & Expense · Ramp vs Brex
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the expense management page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
RampFirst choices, of fourteen modelsZoho Expense
Direct70
Paraphrase70
Comparative50
Budget-constrained311
Scale-constrained10
Negative214 against Ramp · 2 against Zoho Expense
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Ramp and Zoho Expense stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | | | ||
| GPT-5.4 mini | | | | | | |
| Gemini 3.5 Flash | | | | | | |
| Perplexity Sonar | | |||||
| Grok 4.1 Fast | | | | | ||
| Mistral Small | | | | | ||
| DeepSeek V4 Flash | | | | | ||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | | | | | |
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | | | | ||
| MiniMax M2.5 | | | | | ||
| GPT-6 Luna | | | | | ||
| Muse Glimmer 30B | | |
Ramp Zoho Expense first choice named as an alternative argued againstblank: not namedEach cell is one answer, Ramp on the left and Zoho Expense on the right.The direct prompt
The plain question, one answer per model, grouped by where Ramp and Zoho Expense stood in it.
Ramp first, Zoho Expense an alternative
7 of 14 modelsZoho Expense was named in the answer but not as the choice, or not at all.Claude Haiku 4.5Ramp, Spendesk alternatives: Airbase, BILL Spend & Expense, Brex, Navan
Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Navan, Rippling Spend
DeepSeek V4 FlashAirbase, Ramp alternatives: Brex, Payhawk
Qwen 3.7 FlashBrex, Ramp alternatives: BILL Spend & Expense, Expensify, Rydoo
Kimi K2Expensify, Ramp alternatives: Brex, Emburse
GLM 4.7 FlashXAirbase, Ramp alternatives: Expensify, Rippling Spend, SAP Concur, Zoho Expense
GPT-6 LunaRamp alternatives: Brex, Navan, SAP Concur
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniRippling Spend alternatives: Brex, Navan, Payhawk, Ramp, SAP Concur
Mistral SmallAirbase alternatives: BILL Spend & Expense, Eco, Ramp
MiniMax M2.5Expensify, Rippling Spend, SAP Concur alternatives: Airwallex, BILL Spend & Expense, Navan, Paylocity, Ramp
Neither was named
4 of 14 modelsThe answer made no first choice from these two in this category.Perplexity SonarPayhawk alternatives: BILL Spend & Expense, Expensify, Procurify, SAP Concur
Grok 4.1 FastNavan alternatives: Expensify, Rippling Spend
Llama 4 Maverickno first choice
Muse Glimmer 30BNavan, SAP Concur alternatives: Airbase, Paylocity, Rippling Spend, Rydoo
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Zoho Expense leads by twelve points.
Zoho Expense37%#1 of 8Ramp25%#2 of 8Mid-marketThe figures above
The order flips: Ramp leads at mid-market.
Ramp35%#1 of 11Zoho Expense21%#2 of 11Enterprise
What the models said about Ramp
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.
“Ramp or Brex (Best for Card-First, Modern Spend Management): Free platform fees, incredibly fast to set up, highly modern UI, and top-tier AI receipt matching.” Gemini 3.5 Flash · scale prompt · first choice
“Ramp (Best Overall Free Option) ... Go with Ramp. It will save your team dozens of hours of manual receipt-chasing, and you will pay $0 in software fees.” Gemini 3.5 Flash · budget prompt · first choice
What the models said about Zoho Expense
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.
“Zoho Expense - has poor and slow customer support, glitches, bugs, and performance issues.” Llama 4 Maverick · negative prompt · hard negative
“Review pages for tools like Zoho Expense mention pricing complaints from users, especially around subscriptions and minimum billing.” GPT-5.4 mini · negative prompt · soft negative
“If you have 3 or fewer users: Go with Zoho Expense's free plan — it's the most generous truly free option with real features.” DeepSeek V4 Flash · budget prompt · first choice
“Zoho Expense free tier or Wave free accounting for pure tracking... Zoho Expense at ~$3/user/mo once you outgrow the free tier.” Muse Glimmer 30B · budget prompt · first choice
Also compared
Ramp vs ExpensifyRamp vs BILL Spend & ExpenseRamp 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 ConcurAll twenty-eight head-to-head pages and the full expense management standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.