# Zoho Expense vs SAP Concur: which do AI models recommend for expense management, September 2026

Finance AI Recommendation Index, September 2026 Edition, Expense management. Zero of twelve models named Zoho Expense first on the direct prompt; zero named SAP Concur. Page: https://finance-ai-index.com/spend/expense-management/zoho-expense-vs-sap-concur/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Zoho Expense | 17% | #2 of 11 | 3% | 31 | 12 of 12 |
| SAP Concur | 2% | #8 of 11 | 32% | 40 | 12 of 12 |

## The direct prompt, model by model

- Claude Haiku 4.5: neither first, one named (first choices: Navan) (alternatives: Ramp, SAP Concur)
- GPT-5.4 mini: neither first, one named (first choices: Rippling Spend) (alternatives: Navan, SAP Concur)
- Perplexity Sonar: neither first, one named (first choices: Ramp) (alternatives: Airbase, Expensify, Navan, SAP Concur, Spendesk)
- Grok 4.1 Fast: neither first, one named (first choices: Ramp) (alternatives: Navan, SAP Concur)
- DeepSeek V4 Flash: neither first, one named (first choices: Ramp) (alternatives: Airwallex, Brex, Navan, SAP Concur)
- Qwen 3.7 Flash: neither first, one named (first choices: Ramp) (alternatives: Navan, SAP Concur, Spendesk)
- GLM 4.7 FlashX: neither first, one named (first choices: Ramp) (alternatives: Expensify, Navan, Paylocity, SAP Concur)
- MiniMax M2.5: neither first, one named (first choices: Rippling Spend) (alternatives: Airbase, Emburse, Navan, SAP Concur)
- Gemini 3.5 Flash: neither named (first choices: Ramp) (alternatives: Airbase, Brex, Navan, Rippling Spend)
- Mistral Small: neither named (first choices: Spendesk) (alternatives: Emburse, Procurify, Ramp)
- Llama 4 Maverick: neither named
- Kimi K2: neither named (first choices: Navan, Ramp) (alternatives: Expensify, Rippling Spend)

## What the models said about Zoho Expense

- "those that demand manual receipt handling (Expensify, Dext, Zoho Expense, SAP Concur)" (Mistral Small, negative prompt, soft negative)
- "the strongest overall choice is usually Zoho Expense because it is repeatedly identified as the best budget-friendly option" (Perplexity Sonar, budget prompt, first choice)
- "The best expense management software for a company with a limited budget includes Zoho Expense, BILL Spend & Expense, and Ramp." (Llama 4 Maverick, budget prompt, first choice)
- "Zoho Expense – Best overall for most businesses, offering strong automation and integration with Zoho's ecosystem." (Mistral Small, comparative prompt, first choice)

## What the models said about SAP Concur

- "The most frequently criticized option among users, with consistent themes across G2 and Trustpilot" (DeepSeek V4 Flash, negative prompt, hard negative)
- "Spendesk, Expensify, SAP Concur, or Rippling Spend are often cited as top recommendations" (Mistral Small, paraphrase prompt, first choice)
- "SAP Concur and Navan lead for large enterprises" (GLM 4.7 FlashX, comparative prompt, first choice)

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. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.