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How AI wants budgeting & bookkeeping apps

Budgeting & Bookkeeping Apps is decided on affinity: YNAB indexes 114 there against Pandle at 85, a 29-point spread. Xero holds the strongest overall profile, indexing 107 against the category average: ahead on all three. But the brand assistants name most often is Emma, not the category's market leader: being desired and being named are not the same measurement. Across these 40 brands, affinity tracks being named most closely (rank correlation 0.45).

40 brands · 60 AI answers · 482 dimension scores · measured, never estimated

Attraction Standing out in the answer: named first, described as superior, magnetic and influential.
Affinity Belonging in the answer: tied to identity, values and legitimacy, not just specifications.
Attachment Staying in the answer: recommended again, dependable, easy, part of the routine.
AttractionAffinityAttachment Each whorl lights one ring per index threshold cleared (90 / 96 / 102 / 108 / 115)

100 = the average brand in the same category.100 = the average brand across every category in the index.

Technology

Budgeting & Bookkeeping Appsupset

#Brand AttractionAffinityAttachment SummaryNamed in
1 Xero: Attraction 108, Affinity 105, Attachment 105Xero: Attraction 119, Affinity 114, Attachment 114Xero 108119 105114 105114 Ahead on all threeAhead on all three 22%
2 YNAB: Attraction 109, Affinity 114, Attachment 96YNAB: Attraction 120, Affinity 124, Attachment 104YNAB 109120 114124 96104 Noticed, not returned toAhead on all three 27%
3 Starling Bank: Attraction 107, Affinity 109, Attachment 108Starling Bank: Attraction 117, Affinity 119, Attachment 117Starling Bank 107117 109119 108117 Ahead on all threeAhead on all three 18%
4 Monarch Money: Attraction 105, Affinity 108, Attachment 108Monarch Money: Attraction 116, Affinity 117, Attachment 117Monarch Money 105116 108117 108117 Ahead on all threeAhead on all three 10%
5 Sharesight: Attraction 104, Affinity 110, Attachment 108Sharesight: Attraction 115, Affinity 120, Attachment 117Sharesight 104115 110120 108117 Ahead on all threeAhead on all three 3%
6 Cino: Attraction 110, Affinity 95, Attachment 101Cino: Attraction 122, Affinity 103, Attachment 110Cino 110122 95103 101110 Noticed, not returned toChosen, not loved 2%
7 Emma: Attraction 105, Affinity 102, Attachment 108Emma: Attraction 116, Affinity 110, Attachment 117Emma 105116 102110 108117 Chosen, not lovedAhead on all three 38%
8 Monzo: Attraction 105, Affinity 104, Attachment 107Monzo: Attraction 116, Affinity 113, Attachment 115Monzo 105116 104113 107115 Ahead on all threeAhead on all three 22%
9 QuickBooks: Attraction 103, Affinity 103, Attachment 105QuickBooks: Attraction 113, Affinity 112, Attachment 114QuickBooks 103113 103112 105114 Relied on, not excitingAhead on all three 20%
10 Snoop: Attraction 103, Affinity 102, Attachment 107Snoop: Attraction 113, Affinity 110, Attachment 115Snoop 103113 102110 107115 Relied on, not excitingAhead on all three 30%
11 Honeydue: Attraction 105, Affinity 102, Attachment 101Honeydue: Attraction 116, Affinity 110, Attachment 110Honeydue 105116 102110 101110 Noticed, not returned toAhead on all three 7%
12 FreeAgent: Attraction 101, Affinity 100, Attachment 104FreeAgent: Attraction 112, Affinity 109, Attachment 113FreeAgent 101112 100109 104113 Relied on, not excitingAhead on all three 20%
13 FreshBooks: Attraction 103, Affinity 102, Attachment 101FreshBooks: Attraction 113, Affinity 110, Attachment 110FreshBooks 103113 102110 101110 Average on all threeAhead on all three 2%
14 Coconut: Attraction 103, Affinity 102, Attachment 101Coconut: Attraction 113, Affinity 110, Attachment 110Coconut 103113 102110 101110 Average on all threeAhead on all three 3%
15 Quicken Simplifi: Attraction 103, Affinity 102, Attachment 101Quicken Simplifi: Attraction 113, Affinity 110, Attachment 110Quicken Simplifi 103113 102110 101110 Average on all threeAhead on all three 2%
16 Richify: Attraction 103, Affinity 102, Attachment 101Richify: Attraction 113, Affinity 110, Attachment 110Richify 103113 102110 101110 Average on all threeAhead on all three 7%
17 TrySnowball: Attraction 104, Affinity 102, Attachment 101TrySnowball: Attraction 115, Affinity 110, Attachment 110TrySnowball 104115 102110 101110 Noticed, not returned toAhead on all three 5%
18 Zoho Books: Attraction 101, Affinity 95, Attachment 104Zoho Books: Attraction 112, Affinity 103, Attachment 113Zoho Books 101112 95103 104113 Relied on, not excitingChosen, not loved 3%
19 Revolut: Attraction 101, Affinity 99, Attachment 101Revolut: Attraction 112, Affinity 108, Attachment 110Revolut 101112 99108 101110 Average on all threeAhead on all three 3%
20 Landlord Studio: Attraction 101, Affinity 98, Attachment 105Landlord Studio: Attraction 112, Affinity 106, Attachment 114Landlord Studio 101112 98106 105114 Relied on, not excitingAhead on all three 5%
21 Kubera: Attraction 100, Affinity 102, Attachment 101Kubera: Attraction 110, Affinity 110, Attachment 110Kubera 100110 102110 101110 Average on all threeAhead on all three 8%
22 Aureli: Attraction 101, Affinity 102, Attachment 101Aureli: Attraction 112, Affinity 110, Attachment 110Aureli 101112 102110 101110 Average on all threeAhead on all three 5%
23 Undebt.it: Attraction 100, Affinity 102, Attachment 101Undebt.it: Attraction 110, Affinity 110, Attachment 110Undebt.it 100110 102110 101110 Average on all threeAhead on all three 3%
24 Clear Books: Attraction 99, Affinity 102, Attachment 101Clear Books: Attraction 109, Affinity 110, Attachment 110Clear Books 99109 102110 101110 Average on all threeAhead on all three 5%
25 Debt Payoff Planner: Attraction 99, Affinity 102, Attachment 101Debt Payoff Planner: Attraction 109, Affinity 110, Attachment 110Debt Payoff Planner 99109 102110 101110 Average on all threeAhead on all three 3%
26 Hammock: Attraction 99, Affinity 98, Attachment 99Hammock: Attraction 109, Affinity 106, Attachment 107Hammock 99109 98106 99107 Average on all threeAhead on all three 5%
27 Splitwise: Attraction 98, Affinity 102, Attachment 101Splitwise: Attraction 107, Affinity 110, Attachment 110Splitwise 98107 102110 101110 Average on all threeAhead on all three 5%
28 Sage: Attraction 96, Affinity 96, Attachment 99Sage: Attraction 106, Affinity 105, Attachment 107Sage 96106 96105 99107 Relied on, not excitingAhead on all three 13%
29 Lumio: Attraction 98, Affinity 98, Attachment 95Lumio: Attraction 107, Affinity 106, Attachment 103Lumio 98107 98106 95103 Noticed, not returned toNoticed, not returned to 3%
30 Actual Budget: Attraction 100, Affinity 102, Attachment 82Actual Budget: Attraction 110, Affinity 110, Attachment 89Actual Budget 100110 102110 8289 Liked, not chosenNoticed, not returned to 18%
31 Jointly: Attraction 96, Affinity 102, Attachment 95Jointly: Attraction 106, Affinity 110, Attachment 103Jointly 96106 102110 95103 Liked, not chosenCredible, not first choice 7%
32 Re-Leased: Attraction 96, Affinity 98, Attachment 95Re-Leased: Attraction 106, Affinity 106, Attachment 103Re-Leased 96106 98106 95103 Liked, not chosenNoticed, not returned to 2%
33 Arthur Online: Attraction 95, Affinity 93, Attachment 95Arthur Online: Attraction 105, Affinity 101, Attachment 103Arthur Online 95105 93101 95103 Behind on all threeNoticed, not returned to 5%
34 GoSimpleTax: Attraction 94, Affinity 93, Attachment 99GoSimpleTax: Attraction 103, Affinity 101, Attachment 107GoSimpleTax 94103 93101 99107 Relied on, not excitingRelied on, not exciting 3%
35 Chase: Attraction 92, Affinity 98, Attachment 95Chase: Attraction 102, Affinity 106, Attachment 103Chase 92102 98106 95103 Liked, not chosenCredible, not first choice 8%
36 Clear Balance: Attraction 94, Affinity 98, Attachment 89Clear Balance: Attraction 103, Affinity 106, Attachment 96Clear Balance 94103 98106 8996 Liked, not chosenCredible, not first choice 2%
37 Moneyhub: Attraction 91, Affinity 93, Attachment 95Moneyhub: Attraction 100, Affinity 101, Attachment 103Moneyhub 91100 93101 95103 Behind on all threeAverage on all three 5%
38 Taxfix: Attraction 91, Affinity 93, Attachment 93Taxfix: Attraction 100, Affinity 101, Attachment 100Taxfix 91100 93101 93100 Behind on all threeAverage on all three 2%
39 Landlord Vision: Attraction 91, Affinity 93, Attachment 89Landlord Vision: Attraction 100, Affinity 101, Attachment 96Landlord Vision 91100 93101 8996 Behind on all threeLiked, not chosen 5%
40 Pandle: Attraction 85, Affinity 85, Attachment 95Pandle: Attraction 93, Affinity 92, Attachment 103Pandle 8593 8592 95103 Behind on all threeRelied on, not exciting 5%

Indexed against the average of the 40 indexed budgeting & bookkeeping apps brands, so 100 is the category average and a brand is read against the rivals it actually competes with.Indexed against the average of every indexed brand in the whole index — 1,605 brands across 61 categories — so 100 is the average brand anywhere here and a number reads the same on every board. 40 budgeting & bookkeeping apps brands, measured across 60 AI answers in the latest weekly run.

Driver by driver

Where the category actually separates. A wide spread means assistants describe these brands very differently on that driver; a narrow one means it is table stakes.

Affinity

29-point spread · tracks being named 0.45
YNAB114
Pandle85

The widest field of the three: this is where the category separates.

Attachment

26-point spread · tracks being named 0.34
Starling Bank108
Actual Budget82

Real separation, but not the category’s defining contest.

Attraction

25-point spread · tracks being named 0.34
Cino110
Pandle85

The tightest of the three: most brands land close together here.

Where each brand stands

Each brand's three indices, summed up in a line: which drivers it is ahead on, which it is behind on, and the one to build next. A brand that is noticed but not returned to has a different problem from one that is relied on but not exciting.

Xero: Attraction 108, Affinity 105, Attachment 105
Ahead on all three
Above average on attraction, affinity and attachment.
Xero · Starling Bank · Monarch Money · Sharesight · Monzo
No driver is behind; protect the lead.
YNAB: Attraction 109, Affinity 114, Attachment 96
Noticed, not returned to
Attraction is its strongest driver; attachment trails behind it.
YNAB · Cino · Honeydue · TrySnowball · Lumio
Build next: attachment
QuickBooks: Attraction 103, Affinity 103, Attachment 105
Relied on, not exciting
Attachment is its strongest driver; attraction trails behind it.
QuickBooks · Snoop · FreeAgent · Zoho Books · Landlord Studio · Sage · GoSimpleTax
Build next: attraction
Actual Budget: Attraction 100, Affinity 102, Attachment 82
Liked, not chosen
Affinity is its strongest driver; attachment is below average.
Actual Budget · Jointly · Re-Leased · Chase · Clear Balance
Build next: attachment
FreshBooks: Attraction 103, Affinity 102, Attachment 101
Average on all three
Close to average on every driver.
FreshBooks · Coconut · Quicken Simplifi · Richify · Revolut · Kubera · Aureli · Undebt.it · Clear Books · Debt Payoff Planner · Hammock · Splitwise
Build next: attraction
Emma: Attraction 105, Affinity 102, Attachment 108
Chosen, not loved
Attraction and attachment are ahead; affinity trails behind them.
Emma
Build next: affinity
Arthur Online: Attraction 95, Affinity 93, Attachment 95
Behind on all three
Below average on attraction, affinity and attachment.
Arthur Online · Moneyhub · Taxfix · Landlord Vision · Pandle
Build next: attraction
Xero: Attraction 119, Affinity 114, Attachment 114
Ahead on all three
Above average on attraction, affinity and attachment.
Xero · YNAB · Starling Bank · Monarch Money · Sharesight · Emma · Monzo · QuickBooks · Snoop · Honeydue · FreeAgent · FreshBooks · Coconut · Quicken Simplifi · Richify · TrySnowball · Revolut · Landlord Studio · Kubera · Aureli · Undebt.it · Clear Books · Debt Payoff Planner · Hammock · Splitwise · Sage
No driver is behind; protect the lead.
Lumio: Attraction 107, Affinity 106, Attachment 103
Noticed, not returned to
Attraction is its strongest driver; attachment trails behind it.
Lumio · Actual Budget · Re-Leased · Arthur Online
Build next: attachment
GoSimpleTax: Attraction 103, Affinity 101, Attachment 107
Relied on, not exciting
Attachment is its strongest driver; attraction trails behind it.
GoSimpleTax · Pandle
Build next: attraction
Jointly: Attraction 106, Affinity 110, Attachment 103
Credible, not first choice
Affinity (identity, values, legitimacy) is its strongest driver.
Jointly · Chase · Clear Balance
Build next: attraction
Landlord Vision: Attraction 100, Affinity 101, Attachment 96
Liked, not chosen
Affinity is its strongest driver; attachment is below average.
Landlord Vision
Build next: attachment
Moneyhub: Attraction 100, Affinity 101, Attachment 103
Average on all three
Close to average on every driver.
Moneyhub · Taxfix
Build next: attraction
Cino: Attraction 122, Affinity 103, Attachment 110
Chosen, not loved
Attraction and attachment are ahead; affinity trails behind them.
Cino · Zoho Books
Build next: affinity

What assistants actually talk about

The sixteen dimensions underneath the drivers, scored 0–10 on how the answers describe each brand. Spread is the distance between the strongest and weakest brand: the widest are where a brand can still separate itself, the narrowest are the price of entry.

Where brands separate

DimensionDriverCategory avgStrongestSpread
Innovation & Technology Attraction 7.8 Cino 9.0 3.0
Leadership & Momentum Attraction 7.9 Xero 9.0 3.0
Value & Pricing Attraction 7.7 Clear Books 9.0 3.0
Boldness & Creativity Attraction 7.4 Cino 9.0 3.0
Heritage & Authority Attraction 7.3 Xero 9.0 3.0

Where everyone reads alike

DimensionDriverCategory avgStrongestSpread
Customer Service & Support Attachment 8.0 Xero 8.0 0.0
Sustainability & Ethics Affinity 7.6 Snoop 8.0 1.0
Reliability & Consistency Affinity 8.1 Xero 9.0 2.0
Trust & Credibility Affinity 8.1 Xero 9.0 2.0
Differentiation vs Sameness Attraction 8.1 YNAB 9.0 2.0

Does desire track being recommended?

Rank correlation between a brand's driver index and the share of answers naming it, across the 40 indexed brands in this category. A relationship inside one run's answers — descriptive, never causal, and easily moved by a single brand at this sample size.

Attraction0.34
Affinity0.45
Attachment0.34

Method & limitations

Every week, each category runs a fixed set of unbranded consumer prompts against ChatGPT, Claude and Gemini. A separate model reads the answers and scores every brand named in them across 16 perception dimensions, 0–10. Those dimensions are grouped into the three Drivers of Desire from the Havas Science of Desire framework, and each brand's driver score is indexed against the average brand in its own category — 100 is the category average, 115 is fifteen per cent above it. The Vs all categories switch re-indexes the same scores against the average of every indexed brand across every category, so boards can be read against each other; the ranking inside a category is the same either way. Each category's own average, indexed against the whole index, is its place in the category table. The summary beside each brand describes where it stands on the three drivers against whichever benchmark is showing: above 104 counts as ahead, below 96 as behind.

This measures how AI assistants describe brands in their answers. It is not a survey of people, and it is not an endorsement: the scores are a reading of machine-generated text at the time of the run, and relationships between drivers and how often a brand is named are correlational. A brand needs at least six scored dimensions in a run to be indexed, and a category needs at least four such brands to get a board. See the full methodology.