now in early access

Your AI finance team.

Penni tracks your invoices, watches your cash flow, keeps your books, and handles tax deadlines. All through text. Like hiring a bookkeeper — but she never sleeps and costs $149/month.

join the waitlist → ▶ watch the demo

Replaces your $500/mo bookkeeper. One collected invoice pays for a full year.

P
penni
● online
works with the tools you already use
📗
QuickBooks
📘
Xero
💬
iMessage
📱
WhatsApp
✈️
Telegram
💳
Stripe
$17.5K
avg. owed to SMBs
in unpaid invoices
82%
of small businesses
fail from cash flow
14 hrs
per week spent
chasing payments
$680
max penalty per
late tax filing
four pillars

Everything a great hire does.
Every day.

Penni isn't a tool you install. She's an employee you hire. Each pillar runs autonomously — she texts you when something needs your attention.

💰
Gets you paid
Tracks every unpaid invoice in QuickBooks. Sends reminders on your behalf. Escalates automatically at 7, 14, 30, and 60 days overdue.
⚠️ 3 invoices overdue — $8,400 total. Acme Corp is 14 days late.
send reminders to all of them
✓ Done. Reminders sent via QuickBooks.
avg SMB recovers $17,500 in AR
📊
Watches your cash
Real-time bank balance. 30/60/90 day cash forecast using your AR, AP, and recurring expenses. Alerts you before a crunch hits.
how's my cash?
Cash: $24,800. 30-day: $18,200. ⚠️ Collecting Acme's $4,200 would cover your payroll gap.
88% of SMBs had cash disruptions last year
📱
Keeps your books
Text a receipt photo. Penni reads it, categorizes it, and posts to QuickBooks. Learns your vendors and categories over time.
📸 receipt_photo.jpg
✓ $127.43 at Uber Eats → Meals & Entertainment. Posted to QBO.
auto-learns vendor→category mappings
🛡️
Keeps you compliant
Tracks every tax deadline — 1099s, estimated quarterlies, S-Corp filings. Calculates your payment from your actual income data.
⚠️ Q3 estimated tax of $4,320 due Sep 15. Based on YTD income of $72K.
remind me 3 days before
✓ Set. I'll ping you Sep 12.
avoid $60-$680 per late filing
see it in action

Watch Penni work.

Receipt capture. Invoice tracking. Cash forecasting. Tax deadlines. One conversation.

how it works

Three steps. Five minutes.

No downloads. No dashboards to learn. Connect your books and start texting.

1
Connect QuickBooks
One-click OAuth. Penni reads your chart of accounts, vendors, and bank connections. Takes 30 seconds.
2
Text your receipts
Snap a photo, send it to Penni. She extracts the data, categorizes it, and posts to QBO. Ask her anything about your finances.
3
Penni handles the rest
Daily invoice tracking. Weekly cash flow reports. Monthly P&L delivery. Quarterly tax reminders. She runs on autopilot.
pricing

One plan. Everything included.

No tiers. No hidden fees. No per-transaction charges.

$149
per month
  • ✓ Unlimited receipt processing & QBO posting
  • ✓ Invoice tracking & automated AR reminders
  • ✓ Real-time cash flow forecasting (30/60/90 day)
  • ✓ Tax deadline calendar & quarterly estimates
  • ✓ Monthly P&L report delivered to your phone
  • ✓ Vendor memory — learns your categories over time
  • ✓ Works via text message — no app to download
join the waitlist →
For comparison: A human bookkeeper costs $300–800/month. A CPA bills $200–500/hour. One collected overdue invoice pays for a full year of Penni.

You never have to open
QuickBooks again.

Join the waitlist. Early access spots are limited.

No credit card required. We'll reach out when your spot opens.