AI Indexes
HR AI Index
Index › Compensation and total rewards › October 2026 Edition

Financial wellness platforms

Asked as “financial wellness platform”, and as “employee financial wellness benefit”, on behalf of a mid-market B2B company. 41 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
24%
Contested · ZayZoon 15%
24LearnLux15ZayZoon10Chime Workplace51others

24% of first choices, contested.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.

The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01LearnLux24%3%31accepted challengernewNew since September 2026: not ranked then, 24% now.
02Origin10%0%16accepted challengernewNew since September 2026: not ranked then, 10% now.
03Tapcheck7%0%10accepted challengernewNew since September 2026: not ranked then, 7% now.
04BrightPlan5%8%13accepted challengernewNew since September 2026: not ranked then, 5% now.
05SmartDollar2%6%17accepted challengernewNew since September 2026: not ranked then, 2% now.
06Your Money Line2%6%16accepted challengernewNew since September 2026: not ranked then, 2% now.
Show the three products at 0%, ordered by negative rate
09DailyPay0%21%14accepted challengernewNew since September 2026: not ranked then, 0% now.
08Payactiv0%14%14accepted challengernewNew since September 2026: not ranked then, 0% now.
07Financial Finesse0%0%18accepted challengernewNew since September 2026: not ranked then, 0% now.

The floor is 13 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured

Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
All fifteen head-to-head pages: the top six products, each against each

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01LearnLux24%
02Origin10%
03Tapcheck7%
04BrightPlan5%
05SmartDollar2%
06Your Money Line2%
07Financial Finesse0%
08Payactiv0%
09DailyPay0%

What they warned about

One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
EarnIn
75%
3 of 4 labels negative · 3 of 14 models · 2 hard negative
“Platforms with Significant Red Flags ... EarnIn ... Major legal issues” Kimi K2, negative prompt
DailyPay
21%
3 of 14 labels negative · 3 of 14 models · 1 hard negative
“High fee extraction: New York Attorney General found DailyPay extracts over $300/year on average” Kimi K2, negative prompt
MoneyLion
75%
3 of 4 labels negative · 3 of 14 models · 1 hard negative
“Manipulative tactics: Artificially slows no-fee deposits to push users toward paid options” Kimi K2, negative prompt
Brigit
100%
2 of 2 labels negative · 2 of 14 models · 1 hard negative
“Apps like *Earnin*, *Dave*, or *Brigit* can be predatory.” DeepSeek V4 Flash, negative prompt

What they cite

Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

73 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 990 links across 236 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.

vendor site · Guideflow44 answers · 45 citations · 11 models
vendor site · G233 answers · 67 citations · 13 models
30 answers · 31 citations · 12 models
vendor site · Wellable29 answers · 39 citations · 11 models
27 answers · 33 citations · 11 models
26 answers · 27 citations · 11 models
vendor site · Vantage Fit22 answers · 26 citations · 9 models
20 answers · 21 citations · 11 models
19 answers · 23 citations · 9 models
16 answers · 22 citations · 7 models
14 answers · 14 citations · 9 models
13 answers · 33 citations · 8 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

Search against answers

Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best financial wellness platform”, “financial wellness platform”, “financial wellness platforms”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
Company and productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
LearnLux learnlux.com24%103720141,2940
ZayZoon zayzoon.com15%13390,50030439,8951
Origin useorigin.com10%45201,0002,574,13526,0019
Chime Workplace chime.com10%6432011,490,450$409,615120
Tapcheck tapcheck.com7%12622,20042045,032164
BrightPlan brightplan.com5%5488098040
BrightDime brightdime.com5%12110069
SmartDollar smartdollar.hk2%612,900623
Your Money Line yourmoneyline.com2%367201196,683$8,66735
Brightside gobrightside.com2%2340,5004,1222,5740

Google's top ten for the three searches hold 25 sites; 5 of them are among the sites the models cited here (guideflow.com, myshortlister.com, peoplemanagingpeople.com, vantagefit.io, wellable.co). The first result for “best financial wellness platform” is myshortlister.com.

How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHide
ModelDirect“What is the best financial wellness platform for a mid-market B2B company?”Paraphrase“Which employee financial wellness benefit would you recommend to a mid-sized B2B company?”Comparative“What are the top financial wellness platforms and how do they differ?”Budget-constrained“What is the best financial wellness platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a financial wellness platform. What should we look at?”Negative“Which financial wellness platforms should I avoid or be cautious about?”
Claude Haiku 4.5Morgan Stanley at Work
Four alternativesFinancial Finesse, LearnLux, Woliba, ZayZoon
no first choiceChangedno first choiceFinFit
Five alternativesBeBalanced Financial Wellness, BrightDime, Financial Finesse, Nudge Global, Your Money Line
no first choicenothing named
GPT-5.4 miniSmartDollar
Six alternativesBenepass, Compt, DailyPay, Mintago, Payactiv, SAVVI Financial
no first choiceChangedno first choice
Seven alternativesBetterment at Work, DailyPay, HelloWallet, Payactiv, Questis, SmartDollar, ZayZoon
ZayZoon
One alternativeWellable
against: SmartDollar, Spring
no first choicenothing named
Gemini 3.5 FlashOrigin
Four alternativesCandidly, Financial Finesse, LearnLux, Nudge Global
Brightside, LearnLux, OriginChangedOrigin
Eight alternativesBrightside, Copilot, Empower, LearnLux, Monarch Money, Nudge, YNAB, Your Money Line
Tapcheck, ZayZoon
Three alternativesOperation HOPE, SmartDollar, Your Money Line
no first choiceagainst: Cleo, DailyPay, EarnIn, Financial Education Services (FES) / United Wealth Education, Life Surge, MoneyLion, Payactiv
Perplexity SonarLearnLux
Four alternativesBrightPlan, Candidly, Enrich Financial Wellness, SmartDollar
no first choiceChangedOrigin
Eight alternativesBrightPlan, Financial Finesse, Goldman Sachs Ayco, Greenlight, LearnLux, SmartDollar, Tapcheck, Wagestream
ZayZoon
Two alternativesSmartPath, Tapcheck
against: LearnLux, MoneyWellth, Your Money Line
no first choicenothing named
Grok 4.1 FastLearnLux
Three alternativesFinancial Finesse, Payactiv, Salary Finance
no first choiceChanged
One alternativeLearnLux
no first choiceChime Workplace
Three alternativesONE@Work, Rain, SoFi at Work
no first choiceagainst: Branch, DailyPay, Payactiv, Stream, United Wealth Services, ZayZoon
Mistral SmallBrightPlanLearnLuxChangedno first choiceZayZoon
Two alternativesOrbisPay, Tapcheck
no first choicenothing named
DeepSeek V4 FlashBrightPlan, Your Money Line
Three alternativesFinancial Finesse, LearnLux, SmartDollar
OriginChanged
Three alternativesDailyPay, Financial Finesse, SmartDollar
BrightPlan, Financial Finesse
Six alternativesBrightside Financial Care, Enrich, LearnLux, Origin, Payactiv, SmartDollar
Chime Workplace, ZayZoon
One alternativeSpring
no first choiceagainst: Betterment, Brigit, Credit Karma, Dave, EarnIn, Empower, Mint
Llama 4 MaverickLearnLux
Two alternativesTapcheck, Vantage Fit
LearnLuxHeldno first choiceRocket Moneyno first choicenothing named
Qwen 3.7 FlashBrightDime
Three alternativesBeacon Health Options, DHS Group, LearnLux
no first choiceChanged
Three alternativesDailyPay, Even, Payactiv
no first choice
Seven alternativesEmpower, Greenlight, Guideline, Monarch Money, MoneyLion, Talmus, Wealthfront
Brili
Four alternativesAthena Pay, DailyPay, Gusto Pay, WageWorks
no first choiceagainst: BrightPlan, Goldman Sachs (Ayco) Financial Wellness, Monarch, YNAB
Kimi K2LearnLux
Four alternativesBrightPlan, Financial Finesse, Origin, Your Money Line
against: Best Money Moves
no first choiceChanged
Two alternativesBest Money Moves, LearnLux
BrightPlan, Origin
Five alternativesBest Money Moves, DailyPay, Enrich, Payactiv, Peanut Butter
Rain, Tapcheck
One alternativeBeBalanced Financial Wellness
no first choiceagainst: DailyPay, EarnIn, Empower, MoneyLion
GLM 4.7 FlashXLearnLux
Three alternativesEarnIn, Kashable, Zogo
no first choiceChangedBrightPlan
Four alternativesFinancial Finesse, LearnLux, Nudge Global, Tapcheck
Chime Workplace, Tapcheck
Five alternativesBranch, Brightside Financial Care, Financial Finesse, Payactiv, Spring
no first choiceagainst: Financial Fitness Group, GreenPath Financial Wellness
MiniMax M2.5LearnLux
Three alternativesLifeCents, Tapcheck, Wagestream
no first choiceChangedno first choiceZayZoon
Three alternativesChime Workplace, Your Money Line, my*Wealth* Being
no first choicenothing named
GPT-6 LunaOrigin
Two alternativesBrightPlan, LearnLux
LearnLuxChanged
One alternativeFinancial Finesse
Financial Finesse, Your Money Line
Four alternativesEnrich, LearnLux, Origin, SmartDollar
against: Brightside
OneEleven’s LaunchPad
Two alternativesChime Workplace, Your Money Line
no first choiceagainst: Brigit, Cleo, Dave, FloatMe, MoneyLion
Muse Glimmer 30BBest Money Moves, BrightDime
One alternativeLearnLux
no first choiceChangedFinancial Finesse, LearnLux
Two alternativesBrightPlan, SmartDollar
Chime Workplace
One alternativeYour Money Line
no first choiceagainst: Mint – Intuit, Truebill, now Rocket Money
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Eighty-four rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:24yes148 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:21yes34 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:18yes332 s
Direct recommendationPerplexity Sonarsonar2026-10-04 22:16yes273 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:15yes2111 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-10-04 22:36yes146 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:27yes2333 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:23yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:30yes831 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:36yes1830 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:21yes2183 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:28yes824 s
Direct recommendationGPT-6 Lunagpt-6-luna2026-10-04 22:22yes415 s
Direct recommendationMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:36yes1920 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:26no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:20no04 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:34yes1125 s
ParaphrasePerplexity Sonarsonar2026-10-04 22:24yes193 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:39yes196 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-10-04 22:40yes54 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:39yes2429 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:19yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:38yes1034 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:26yes1013 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:15yes15111 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:38yes1019 s
ParaphraseGPT-6 Lunagpt-6-luna2026-10-04 22:38yes114 s
ParaphraseMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:13yes2023 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:23yes98 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:36yes59 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:36yes1428 s
ComparativePerplexity Sonarsonar2026-10-04 22:19yes164 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:18yes168 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-10-04 22:40yes109 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:17yes2245 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:16yes53 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:30no026 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:15yes1442 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:36yes2382 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:21yes510 s
ComparativeGPT-6 Lunagpt-6-luna2026-10-04 22:24yes730 s
ComparativeMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:28yes2332 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:15yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:13yes35 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:15yes2428 s
Budget constrainedPerplexity Sonarsonar2026-10-04 22:22yes174 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:16yes208 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-10-04 22:24yes156 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:13yes2317 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:29yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:29no026 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:32yes1819 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:36yes1328 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:24yes1323 s
Budget constrainedGPT-6 Lunagpt-6-luna2026-10-04 22:36yes313 s
Budget constrainedMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:29yes1512 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:26no06 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:36no09 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:30no014 s
Scale constrainedPerplexity Sonarsonar2026-10-04 22:19yes184 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:16yes148 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-10-04 22:15no06 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:38yes2149 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:20yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:38yes523 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:28yes1547 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:29yes1533 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:21no07 s
Scale constrainedGPT-6 Lunagpt-6-luna2026-10-04 22:24yes423 s
Scale constrainedMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:39no01 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-10-04 22:23yes187 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-04 22:21yes46 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-10-04 22:20yes2227 s
Negative framingPerplexity Sonarsonar2026-10-04 22:26yes174 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-04 22:20yes2413 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-10-04 22:36yes57 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-04 22:18yes2533 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-04 22:23yes51 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-04 22:34yes1337 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-10-04 22:13yes2425 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-04 22:17yes2323 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-04 22:25no09 s
Negative framingGPT-6 Lunagpt-6-luna2026-10-04 22:25yes619 s
Negative framingMuse Glimmer 30Bmeta/muse-glimmer-30b via togetherai2026-10-04 22:20yes2325 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

ShowHide
Category-scoped readings
None. Every name in this category resolved on its own.
Unresolved, counted raw
Acorns for Work
Asset-Map
Athena Pay
Beacon Health Options
Brili
Copilot Money
Debt Payoff Planner
Financial Education Services (FES) / United Wealth Education
Financial Fitness Group
Goldman Sachs (Ayco) Financial Wellness
Goldman Sachs Ayco
Gusto Pay
Juno Financial
Life Surge
Mint – Intuit
Mintago
Monarch
MoneyWellth
NerdWallet
OneEleven’s LaunchPad
Operation HOPE (HOPE Inside the Workplace)
Perk
PlanPlus Global
PocketGuard
SAVVI Financial
Shareworks
SmartPath
Talmus
Truebill, now Rocket Money
Truist
US Bank
United Wealth Services
Wealthfront (formerly Personal Capital)
Zogo
my*Wealth* Being
Discontinued, still offered
No shut-down product was recommended here.

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