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
100 = the average brand in the same category.100 = the average brand across every category in the index.
Budgeting & Bookkeeping Appsupset
| # | Brand | Attraction | Affinity | Attachment | Summary | Named in |
|---|---|---|---|---|---|---|
| 1 | Xero | 108119 | 105114 | 105114 | Ahead on all threeAhead on all three | 22% |
| 2 | YNAB | 109120 | 114124 | 96104 | Noticed, not returned toAhead on all three | 27% |
| 3 | Starling Bank | 107117 | 109119 | 108117 | Ahead on all threeAhead on all three | 18% |
| 4 | Monarch Money | 105116 | 108117 | 108117 | Ahead on all threeAhead on all three | 10% |
| 5 | Sharesight | 104115 | 110120 | 108117 | Ahead on all threeAhead on all three | 3% |
| 6 | Cino | 110122 | 95103 | 101110 | Noticed, not returned toChosen, not loved | 2% |
| 7 | Emma | 105116 | 102110 | 108117 | Chosen, not lovedAhead on all three | 38% |
| 8 | Monzo | 105116 | 104113 | 107115 | Ahead on all threeAhead on all three | 22% |
| 9 | QuickBooks | 103113 | 103112 | 105114 | Relied on, not excitingAhead on all three | 20% |
| 10 | Snoop | 103113 | 102110 | 107115 | Relied on, not excitingAhead on all three | 30% |
| 11 | Honeydue | 105116 | 102110 | 101110 | Noticed, not returned toAhead on all three | 7% |
| 12 | FreeAgent | 101112 | 100109 | 104113 | Relied on, not excitingAhead on all three | 20% |
| 13 | FreshBooks | 103113 | 102110 | 101110 | Average on all threeAhead on all three | 2% |
| 14 | Coconut | 103113 | 102110 | 101110 | Average on all threeAhead on all three | 3% |
| 15 | Quicken Simplifi | 103113 | 102110 | 101110 | Average on all threeAhead on all three | 2% |
| 16 | Richify | 103113 | 102110 | 101110 | Average on all threeAhead on all three | 7% |
| 17 | TrySnowball | 104115 | 102110 | 101110 | Noticed, not returned toAhead on all three | 5% |
| 18 | Zoho Books | 101112 | 95103 | 104113 | Relied on, not excitingChosen, not loved | 3% |
| 19 | Revolut | 101112 | 99108 | 101110 | Average on all threeAhead on all three | 3% |
| 20 | Landlord Studio | 101112 | 98106 | 105114 | Relied on, not excitingAhead on all three | 5% |
| 21 | Kubera | 100110 | 102110 | 101110 | Average on all threeAhead on all three | 8% |
| 22 | Aureli | 101112 | 102110 | 101110 | Average on all threeAhead on all three | 5% |
| 23 | Undebt.it | 100110 | 102110 | 101110 | Average on all threeAhead on all three | 3% |
| 24 | Clear Books | 99109 | 102110 | 101110 | Average on all threeAhead on all three | 5% |
| 25 | Debt Payoff Planner | 99109 | 102110 | 101110 | Average on all threeAhead on all three | 3% |
| 26 | Hammock | 99109 | 98106 | 99107 | Average on all threeAhead on all three | 5% |
| 27 | Splitwise | 98107 | 102110 | 101110 | Average on all threeAhead on all three | 5% |
| 28 | Sage | 96106 | 96105 | 99107 | Relied on, not excitingAhead on all three | 13% |
| 29 | Lumio | 98107 | 98106 | 95103 | Noticed, not returned toNoticed, not returned to | 3% |
| 30 | Actual Budget | 100110 | 102110 | 8289 | Liked, not chosenNoticed, not returned to | 18% |
| 31 | Jointly | 96106 | 102110 | 95103 | Liked, not chosenCredible, not first choice | 7% |
| 32 | Re-Leased | 96106 | 98106 | 95103 | Liked, not chosenNoticed, not returned to | 2% |
| 33 | Arthur Online | 95105 | 93101 | 95103 | Behind on all threeNoticed, not returned to | 5% |
| 34 | GoSimpleTax | 94103 | 93101 | 99107 | Relied on, not excitingRelied on, not exciting | 3% |
| 35 | Chase | 92102 | 98106 | 95103 | Liked, not chosenCredible, not first choice | 8% |
| 36 | Clear Balance | 94103 | 98106 | 8996 | Liked, not chosenCredible, not first choice | 2% |
| 37 | Moneyhub | 91100 | 93101 | 95103 | Behind on all threeAverage on all three | 5% |
| 38 | Taxfix | 91100 | 93101 | 93100 | Behind on all threeAverage on all three | 2% |
| 39 | Landlord Vision | 91100 | 93101 | 8996 | Behind on all threeLiked, not chosen | 5% |
| 40 | Pandle | 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
The widest field of the three: this is where the category separates.
Attachment
Real separation, but not the category’s defining contest.
Attraction
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.
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
| Dimension | Driver | Category avg | Strongest | Spread |
|---|---|---|---|---|
| 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
| Dimension | Driver | Category avg | Strongest | Spread |
|---|---|---|---|---|
| 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.
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.
Read the category report
Which budgeting & bookkeeping apps brands the models recommend, the sources they trust and how often a brand page is read but not cited: Budgeting & Bookkeeping Apps · The Category Report.
Other categories
Where next
This edition measures what AI wants from these brands. These answer what comes next — which brands AI names, which websites feed those answers, and how any of it is counted.