Finance AI Index
Index Spend and procurement Expense management › Expensify vs Navan
Expense management · September 2026 Edition

Expensify vs Navan

Zero of twelve models named Expensify first on the direct prompt; two named Navan. Expensify was named by twelve of the twelve models and Navan by eleven and Expensify carries 50 labels and Navan 29, so the shares are not directly comparable.

Expensify

accepted challenger

Named in four categories this edition.

Navan

accepted challenger

Named in four categories this edition.

First-choice share4%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate16%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#7A position in a field of 11; printed, not drawn.
Labels5029A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Expensify reading right to left. Rank and label count are printed, not drawn.Ramp was named alongside these two in nine of the twelve direct answers. Ramp vs Expensify · Ramp vs Navan · Zoho Expense vs Expensify

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve 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 twelve models made each the first choice, per way of asking, and how many argued against it.
ExpensifyFirst choices, of twelve modelsNavan
Direct02
Paraphrase20
Comparative01
Budget-constrained001 against Expensify
Scale-constrained00
Negative007 against Expensify
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.

Across every category in the September 2026 Edition, Expensify and Navan were named in the same answer fifty times, of the 213 answers naming Expensify and the 286 naming Navan. In those answers Navan took the first choice five times and Expensify four.

Every model, every framing

The seventy-two answers behind the chart above, one cell each: where Expensify and Navan stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
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
Expensify Navan first choice named as an alternative argued againstblank: not namedEach cell is one answer, Expensify on the left and Navan on the right.

The direct prompt

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

Navan first, Expensify an alternative

2 of 12 modelsExpensify was named in the answer but not as the choice, or not at all.
Claude Haiku 4.5Navan alternatives: Ramp, SAP Concur
Kimi K2Navan, Ramp alternatives: Expensify, Rippling Spend

Neither was the first choice, one was named

8 of 12 modelsThe answer put something else first and named one of the two as an alternative.
GPT-5.4 miniRippling Spend alternatives: Navan, SAP Concur
Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Navan, Rippling Spend
Perplexity SonarRamp alternatives: Airbase, Expensify, Navan, SAP Concur, Spendesk
Grok 4.1 FastRamp alternatives: Navan, SAP Concur
DeepSeek V4 FlashRamp alternatives: Airwallex, Brex, Navan, SAP Concur
Qwen 3.7 FlashRamp alternatives: Navan, SAP Concur, Spendesk
GLM 4.7 FlashXRamp alternatives: Expensify, Navan, Paylocity, SAP Concur
MiniMax M2.5Rippling Spend alternatives: Airbase, Emburse, Navan, SAP Concur

Neither was named

2 of 12 modelsThe answer made no first choice from these two in this category.
Mistral SmallSpendesk alternatives: Emburse, Procurify, Ramp
Llama 4 Maverickno first choice

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
Expensify leads by nineteen points.
Expensify19%#3 of 7
Navan0%#– of 7
The full small business standing →
Mid-marketThe figures above
Level: the same share of first choices.
Expensify4%#6 of 11
Navan4%#7 of 11
The full mid-market standing →
Enterprise
Expensify leads by three points.
Expensify5%#5 of 9
Navan3%#6 of 9
The full enterprise standing →

What the models said about Expensify

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

“A mixed picture — it rates well overall (4.5/5 on G2), but has had a notable drop in sentiment since the "New Expensify" redesign” DeepSeek V4 Flash · negative prompt · soft negative
“Expensify has recently faced criticism for a radical political email sent to users, which many viewed as a privacy violation” GLM 4.7 FlashX · negative prompt · soft negative
“Expensify is a very common tool, but it has faced scrutiny regarding pricing changes, data privacy, and financial stability.” Gemini 3.5 Flash · negative prompt · soft negative
“I'd recommend starting with Expensify if you want the most established and widely-used tool” MiniMax M2.5 · paraphrase prompt · first choice
“Spendesk, Expensify, SAP Concur, or Rippling Spend are often cited as top recommendations” Mistral Small · paraphrase prompt · first choice
“Best if you value a simple, mobile‑first employee experience and want strong receipt automation at an affordable price.” GLM 4.7 FlashX · paraphrase prompt · alternative

What the models said about Navan

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

“Navan consistently ranks as the top all-in-one travel and expense platform, with leading scores for overall satisfaction, ease of use” Claude Haiku 4.5 · direct prompt · first choice
Also compared

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.