Your finance team, by text

The bookkeeper that actually does the books.

Penni watches your accounts and catches every charge the moment it lands, reconciles to the bank, chases your invoices, and keeps you tax-ready. All by text. She reaches out first, so you connect once and never open QuickBooks again.

Stop dreading QuickBooks.

Start free → Try the live demo →

14 days free. No credit card. $149/mo after, and you are never locked in.

P
Penni
Active now
Heads up, Adobe billed you twice this week, $89 each.
I booked one and held the duplicate off your books. Want me to flag it so you can get it back?
yes please
Done. The rest of your week is reconciled and on the books, you are all current.
Penni texts you first · just now
Read-only QuickBooks access Encrypted in transit and at rest Never trained on your data Your books stay in your QuickBooks

Works where you already work

Other AI helps you do the books.Penni does the books.

An assistant waits for you to ask. Penni works on her own, booking expenses, chasing invoices, and flagging what matters before you think to look. Most weeks, you never open a dashboard at all.

How it works

Up and running in two minutes.

No dashboard to learn. No setup guide. Connect QuickBooks, send Penni a text, and she takes it from there.

1

Connect QuickBooks

One secure click. Penni reads your real chart of accounts so every entry lands in the right place.

2

Text her what happened

Plain English, a receipt photo, or a forwarded bill. However it is easiest for you.

$120 dinner with a client at Joe's
Booked to Meals and Entertainment.
3

She books it, and reports back

Penni posts to QuickBooks and sends your first snapshot. After that, she just keeps your books current.

See it work

Everything, done automatically.

Penni books, categorizes, and reconciles in the background, then shows you clean numbers instead of busywork.

P Recently categorizedAUTO-BOOKED
AdobeSoftware and Subscriptions
$54.99auto
Delta Air LinesTravel
$412.30auto
StaplesOffice Supplies
$45.00by text
Joe's GrillMeals and Entertainment
$120.00by text
VerizonUtilities
$142.00from inbox
P May P&L snapshot
Income$48,250
Cost of goods-$11,400
Operating expenses-$18,930
Net income$17,920
P Invoice scorecardFRIDAY
Collected$9,200
Outstanding$4,200
Overdue$1,800

The proof

Most AI categorizes. Penni reconciles.

Anyone can guess a category. Penni matches every transaction against your actual bank, finds what is missing, and reconciles your accounts to the penny. The few she cannot match, you clear in one tap.

✓

Connect your bank once and Penni reconciles every month, on her own.

✓

She books what is missing and carries the timing items, the way a real bookkeeper would.

✓

You confirm or deny in one tap. No spreadsheets, no reconcile screen, no month-end dread.

P May reconciliation · Checking
47 of 51 transactions match your books. 3 charges hit your bank that are not booked yet. Want to clear them up?
Staples$84.20
May 12 · Penni suggests Office Supplies
Book itPick category
✓ Your books now match your May statement. $1,200 is still outstanding on check 1043, which is normal.

What Penni does

Everything a bookkeeper does.
Without the bookkeeper.

Gets you paid

Chases every invoice

Tracks who owes you and follows up automatically. Friendly, then firm, then final notice.

PenniAcme is 14 days late on $4,200. Want me to send a reminder?
Watches your cash

Knows your runway

Real-time balance from QuickBooks, plus a 30/60/90-day forecast and a heads-up before any crunch.

Penni, Monday 8amHere is your week. $38,400 in the bank, $12,100 owed to you, $6,500 going out.
Keeps your books

Books every expense

Receipts, bills, and plain-English entries, categorized against your real accounts and posted to QuickBooks.

You to Pennibook $89 for the Adobe subscription. Booked to Software and Subscriptions.
Keeps you compliant

Tracks tax and deadlines

Quarterly estimates, 1099 thresholds, and filing dates, surfaced before they sneak up on you.

PenniQ2 estimated tax is due June 15. Based on your books, set aside about $3,800.
Catches you up

Cleans the backlog

Months behind? Penni scans your email history, finds what is missing, and catches your books up in batches you confirm by text.

PenniI found 38 uncategorized transactions. I know 30 of them. Want me to book those now?
Works where you do

Lives in your texts

iMessage, SMS, and Slack. No app to download, no portal to log into, no password to forget. Penni even works inside Claude and ChatGPT.

You to Penniwhat is my P&L this month? Here is the breakdown.

The difference

Your bookkeeper waits for you to call. Penni texts you first.

✓

Watches your inbox 24/7 and books bills the moment they arrive, before you ask.

✓

A Monday cash summary lands every week, so you always know where you stand.

✓

A Friday invoice scorecard shows who paid, who is late, and what to chase.

✓

Catches the costly stuff. A duplicate charge, a vendor you have never paid before, a bill 3x your usual. Flagged before it slips through.

P
New bill booked. Verizon, $142 to Utilities. Found it in your inbox and posted it to QuickBooks.
Today, 9:14 AM
P
Heads up. A $2,400 charge from a vendor I have not seen before. Want me to categorize it?
Today, 11:02 AM
P
Invoice collected. Acme just paid $4,200. That covers this week's payroll.
Today, 2:37 PM

Less admin. More focus.

The hours you will never spend again.

The busywork of keeping books current quietly eats a workday every week. Penni takes all of it.

Chasing receipts
45 min
Tracking down receipts, filing them, following up.
Cleaning transactions
1 hr
Categorizing, fixing duplicates, making it reconcile.
Preparing invoices
1 to 2 hrs
Creating, sending, checking payments, chasing.
Explaining the numbers
1 hr
Pulling it together to understand what changed.
That is 4 to 6 hours a week of admin Penni handles so you do not have to.
4-6 hrs

Penni Partner Program

Give every client an AI bookkeeper. Keep them all on one screen.

Join the Penni Partner Program and resell Penni to your clients under your firm. Manage every client from one dashboard in Penni HQ, review what Penni has done, and earn on every seat. Your clients' books stay in their own QuickBooks, so nothing is ever locked in.

Start free →
▣One dashboard, every client. Connect each client's QuickBooks and manage them all in Penni HQ.
✓Review queue. Penni proposes categorizations. Your team approves in a tap.
↻Ask the client. Penni texts the client for the missing detail, so you do not have to.
$A new revenue line. Resell Penni to your clients and earn on every seat.

Trust

Your books, always tax-ready. Never locked in.

Penni works inside your QuickBooks, not some database you cannot get out of. Your books are always clean, current, and yours.

🔒

Read-only by default

Penni connects through QuickBooks' secure OAuth. Encrypted in transit and at rest, scoped, and revocable anytime.

🛡

Never trains on your data

Your financial data is never used to train AI models. Ever. It is used to do your books, and nothing else.

🔓

No lock-in, ever

Leave whenever you want. Your books live in your QuickBooks, right where they have always been. No data hostage.

Built in public

Penni is built by a founder with a finance background, out in the open, with real businesses, in real QuickBooks. Here is the product, working.

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Penni
Active now
Reconciled May. 6 things need your ok. Reply 1Y to confirm the first.
1Y
Which category for FUN, $89.40? Reply A, B, C, or just type it.
A
Booked $89.40 to Advertising & Marketing in QuickBooks.
Delivered · just now

Reconcile and categorize by text. No app, no login. A real entry posted to QuickBooks.

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Penni
Active now
A couple things worth a look on the books.
• Gross margin dropped from 42% to 24% in May.
• Property Maintenance jumped to $1,346 vs a $160 average.
• One client is 65% of your receivables.
Want me to dig into any of these?
Delivered · just now

Penni texts you first. Real numbers, pulled straight from the books, before you think to ask.

Follow the build. Read the story

From a customer

Five minutes a week, not five hours.

“We’re a six-person HVAC company, so I’m the owner, salesperson, and sometimes the guy out fixing equipment. Bookkeeping always came last. I hadn’t reconciled my books in months and opening QuickBooks just stressed me out. Penni quietly got everything caught up and now it just texts me when it actually needs a decision. I spend maybe five minutes a week thinking about bookkeeping instead of five hours.”
Daniel Murphy Daniel Murphy Owner, Murphy Mechanical Services

Expense cards manage your spend.Penni keeps your books.

Tools like Ramp are built for funded teams with cash in the bank, and they earn on the spending you route through them. Penni is built for the owner-operator they overlook, the sole proprietor, the small shop, the business doing its own books at 11pm. Penni does not just track what you spend. It does the actual bookkeeping, reconciles to the penny, and keeps you tax-ready, all by text.

Pricing

Simple pricing.

Start light on the Penni card, go full on Pro, or run your whole book of clients. No tiers to decode, no surprise increases.

Coming soon
Penni Lite
$10 /month
Billed annually at $120. Run your spend through the Penni card and your books do themselves.
  • ✓ Your own Penni card, virtual and physical
  • ✓ Every card purchase booked to QuickBooks, zero setup
  • ✓ No bank to connect, the card is the rail
  • ✓ Ask Penni anything by text
  • ✓ Your monthly books, kept current

We will text you the moment the card is ready.

Most popular
Penni Pro
$149 /month
14-day free trial, then $49 your first month. Annual is $1,188 a year.
  • ✓ Books and categorizes every transaction
  • ✓ Reconciles your accounts to the bank every month
  • ✓ Chases your invoices, friendly then firm
  • ✓ Bring your own banks and cards, real-time cash and 30/60/90 forecast
  • ✓ Proactive inbox scanning and weekly summaries
  • ✓ Tax deadline tracking and quarterly estimates
  • ✓ Works over iMessage, SMS, Slack, Claude and ChatGPT
Start free →
For firms
Penni Partner Program
$49 /mo base
Then $29 per client on Chat, or $99 on CFO. 30-day free trial. Resell at your own price.
  • ✓ One dashboard for every client, in Penni HQ
  • ✓ Review queue, approve Penni's work in a tap
  • ✓ Penni texts your clients for the missing details
  • ✓ Per-client billing you control, seat by seat
  • ✓ Every client's books stay in their own QuickBooks
Start free →

Add-ons. Tax filing, $100/mo, Penni preps and files. Catch-up bookkeeping, from $999 one-time, to clean a backlog.

30-day money-back guarantee. No contracts. Never locked in, your books stay in your QuickBooks.

Run your business. Let Penni run the books.

Connect QuickBooks in two minutes. 14 days free, no card, never locked in.

Start free →