Budgeting & Bookkeeping Apps,
according to AI
Every week we ask ChatGPT, Claude and Gemini the questions real UK consumers ask about budgeting & bookkeeping apps — and record exactly which brands they put forward. Right now, Emma owns the conversation.
0 AI answers this run · 0 brands named · measured, never estimated
Emma is the default answer.
Named in 27% of budgeting & bookkeeping apps answers, typically in position 2.6. Xero follows at 23%, Snoop at 22%.
Every brand AI names, ranked.
Visibility is the share of answers naming the brand; citation share is its slice of all brand-owned pages cited; read→cited is how often its pages convert a read into a citation.
| # | Brand | Visibility | Avg. position | Citation share | Read→cited |
|---|---|---|---|---|---|
| 1 | Emma | 27% | 2.6 | 12% | 32% |
| 2 | Xero | 23% | 3.1 | 6% | 45% |
| 3 | Snoop | 22% | 3.0 | 8% | 71% |
| 4 | QuickBooks | 22% | 3.2 | 6% | 17% |
| 5 | YNAB | 22% | 3.2 | 4% | 33% |
| 6 | Monzo | 18% | 2.3 | 5% | 12% |
| 7 | FreeAgent | 18% | 3.3 | 1% | 33% |
| 8 | Actual Budget | 15% | 3.2 | 0% | — |
| 9 | Starling Bank | 15% | 4.1 | 3% | 29% |
| 10 | Sage | 13% | 5.1 | 1% | 11% |
| 11 | Chase | 10% | 4.0 | 0% | — |
| 12 | Moneyhub | 8% | 3.6 | 1% | 100% |
| 13 | HyperJar | 8% | 5.6 | 1% | — |
| 14 | Monarch Money | 7% | 2.8 | 0% | 0% |
| 15 | Receipt Bank | 7% | 4.5 | 0% | — |
Emma is named most. That is not the same as being wanted.
Being named is visibility. Underneath it, every answer describes a brand in three ways — how much it stands out, how much it belongs, and how much it is returned to. In budgeting & bookkeeping apps, Monzo leads attraction at 133 against Clear Books at 75, indexed on the category at 100.
Each whorl lights one ring per index threshold cleared. See the full budgeting & bookkeeping apps desire edition →
The referees of budgeting & bookkeeping apps.
The independent sources AI models cite when answering budgeting & bookkeeping apps questions — the places a brand needs to be seen, reviewed and ranked.
Snoop converts reads into citations. Sage doesn't.
When Claude or ChatGPT opens a brand's own pages while answering, does the page make the cited-sources list? Snoop converts 71% of reads; Sage just 11%. That gap is a content problem, not a visibility problem.
Full data table
| # | Brand | Visibility | Avg. position | Citation share | Read→cited |
|---|---|---|---|---|---|
| 1 | Emma | 27% | 2.6 | 12% | 32% |
| 2 | Xero | 23% | 3.1 | 6% | 45% |
| 3 | Snoop | 22% | 3.0 | 8% | 71% |
| 4 | QuickBooks | 22% | 3.2 | 6% | 17% |
| 5 | YNAB | 22% | 3.2 | 4% | 33% |
| 6 | Monzo | 18% | 2.3 | 5% | 12% |
| 7 | FreeAgent | 18% | 3.3 | 1% | 33% |
| 8 | Actual Budget | 15% | 3.2 | 0% | — |
| 9 | Starling Bank | 15% | 4.1 | 3% | 29% |
| 10 | Sage | 13% | 5.1 | 1% | 11% |
| 11 | Chase | 10% | 4.0 | 0% | — |
| 12 | Moneyhub | 8% | 3.6 | 1% | 100% |
| 13 | HyperJar | 8% | 5.6 | 1% | — |
| 14 | Monarch Money | 7% | 2.8 | 0% | 0% |
| 15 | Receipt Bank | 7% | 4.5 | 0% | — |
Three models. Three different answers.
Ask about budgeting & bookkeeping apps and the brand you are shown depends on the assistant: Claude → Monarch Money, Gemini → Xero, ChatGPT → Emma. Their top-five lists share just 10% of names.
Brands whose visibility swings most between models — the bar per model, widest gap on the right.
The data behind this chart
| Brand | Claude | Gemini | ChatGPT | Spread |
|---|---|---|---|---|
| Xero | 15% | 40% | 15% | 25pp |
| Actual Budget | 5% | 30% | 10% | 25pp |
| Monzo | 5% | 30% | 20% | 25pp |
| Monarch Money | 20% | 0% | 0% | 20pp |
| QuickBooks | 15% | 35% | 15% | 20pp |
| Emma | 15% | 35% | 30% | 20pp |
| Snoop | 10% | 30% | 25% | 20pp |
| FreeAgent | 10% | 30% | 15% | 20pp |
| Receipt Bank | 0% | 20% | 0% | 20pp |
| Sage | 15% | 20% | 5% | 15pp |
Nineteen more categories.
Method: 20 unbranded consumer prompts per category, spread across the buying journey, run weekly against ChatGPT, Claude and Gemini. Read→cited uses Claude and ChatGPT only (Gemini does not separate the two). Correlational observations of model behaviour at the time of the run. Data from the run completed Tue, 01 Sep 2026 13:39:37 GMT.