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Expense management · October 2026 Edition

Zoho Expense vs Expensify

Zero of fourteen models named Zoho Expense first on the direct prompt; two named Expensify. Both were named by all fourteen models and Zoho Expense carries 38 labels and Expensify 64, so the shares are not directly comparable.

Zoho Expense

accepted challenger

Named in five categories this edition.

Expensify

accepted challenger

Named in five categories this edition.

First-choice share21%10%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.

Negative rate5%17%Negative labels as a share of the product's labels, 0 to 100.

Rank in category#2#3A position in a field of 11; printed, not drawn.

Labels3864A count; the two differ.

The two percentage rows are drawn on one 0 to 100 track, Zoho Expense reading right to left. Rank and label count are printed, not drawn.Ramp was named alongside these two in ten of the fourteen direct answers. Ramp vs Zoho Expense · Ramp vs Expensify · Zoho Expense vs BILL Spend & Expense

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.

Zoho ExpenseFirst choices, of fourteen modelsExpensify

Direct02

Paraphrase03

Comparative03

Budget-constrained1101 against Expensify

Scale-constrained00

Negative112 against Zoho Expense · 10 against Expensify

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.

Across every category in the October 2026 Edition, Zoho Expense and Expensify were named in the same answer 128 times, of the 195 answers naming Zoho Expense and the 256 naming Expensify. In those answers Expensify took the first choice fourteen times and Zoho Expense twenty-eight.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Zoho Expense and Expensify 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

Zoho Expense

Expensify

first choice

named as an alternative

argued againstblank: not namedEach cell is one answer, Zoho Expense on the left and Expensify on the right.

The direct prompt

The plain question, one answer per model, grouped by where Zoho Expense and Expensify stood in it.

Expensify first, Zoho Expense not the choice

2 of 14 modelsZoho Expense was named in the answer but not as the choice, or not at all.

Kimi K2Expensify, Ramp alternatives: Brex, Emburse

MiniMax M2.5Expensify, Rippling Spend, SAP Concur alternatives: Airwallex, BILL Spend & Expense, Navan, Paylocity, Ramp

Neither was the first choice, one was named

4 of 14 modelsThe answer put something else first and named one of the two as an alternative.

Perplexity SonarPayhawk alternatives: BILL Spend & Expense, Expensify, Procurify, SAP Concur

Grok 4.1 FastNavan alternatives: Expensify, Rippling Spend

Qwen 3.7 FlashBrex, Ramp alternatives: BILL Spend & Expense, Expensify, Rydoo

GLM 4.7 FlashXAirbase, Ramp alternatives: Expensify, Rippling Spend, SAP Concur, Zoho Expense

Neither was named

8 of 14 modelsThe answer made no first choice from these two in this category.

Claude Haiku 4.5Ramp, Spendesk alternatives: Airbase, BILL Spend & Expense, Brex, Navan

GPT-5.4 miniRippling Spend alternatives: Brex, Navan, Payhawk, Ramp, SAP Concur

Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Navan, Rippling Spend

Mistral SmallAirbase alternatives: BILL Spend & Expense, Eco, Ramp

DeepSeek V4 FlashAirbase, Ramp alternatives: Brex, Payhawk

Llama 4 Maverickno first choice

GPT-6 LunaRamp alternatives: Brex, Navan, SAP Concur

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 eighteen points.

Zoho Expense#1 of 8

Expensify#3 of 8

The full small business standing →

Mid-marketThe figures above

Zoho Expense leads by twelve points.

Zoho Expense#2 of 11

Expensify#3 of 11

The full mid-market standing →

Enterprise

The order flips: Expensify leads at enterprise.

Expensify#5 of 10

Zoho Expense#10 of 10

The full enterprise standing →

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

What the models said about Expensify

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.

“criticized for complex and unintuitive interfaces, unexpected fees, unreliable credit card syncing, and poor customer support” Mistral Small · negative prompt · hard negative

“Came under fire for receipt scanning methodology using third-party ML services... recurring technical and syncing problems” MiniMax M2.5 · negative prompt · hard negative

“Expensify | Small to mid-sized businesses, SMBs, distributed teams | $5/user/month ... Simple onboarding, fast expense submission, excellent value for money” GLM 4.7 FlashX · comparative prompt · first choice

“### 1. Expensify (Best All-Rounder) ... Choose Expensify if: You want the safest bet with the widest range of accounting software connections.” Qwen 3.7 Flash · paraphrase prompt · first choice

“I'd recommend Expensify as the default choice if you want a strong balance of ease of use, automation, and cost” Perplexity Sonar · paraphrase prompt · first choice

Also compared

Ramp vs Zoho Expense Ramp vs Expensify Zoho Expense vs BILL Spend & Expense Zoho Expense vs Brex Zoho Expense vs Navan Zoho Expense vs Rippling Spend Zoho Expense vs SAP Concur Expensify vs BILL Spend & Expense Expensify vs Brex Expensify vs Navan Expensify vs Rippling Spend Expensify vs SAP Concur All 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.