Penni: Your books, done by text. AI bookkeeping for real estate agents.

How it works

One text thread.
Your whole back office.

No dashboard to learn and no app to install. Connect your accounts once, then answer her texts and text her anything else, anytime.

(1)

Commission in.
Commission booked.

When a deposit lands, Penni asks if it is a commission and what closed. Answer in one text and it is in QuickBooks, with an id you can open.

(2)

Know what to
set aside.

Ask any time. Penni answers from your real books and labels it an estimate, because the final number belongs to your CPA. No more guessing in April.

(3)

Miles by text.

Showings, inspections, the drive to closing. Text her the trip and she logs it at the current IRS rate. No GPS app, no location tracking, no glovebox notebook.

(4)

Snap the receipt.

Signs, lockboxes, the closing gift. Text her the photo and it lands on the charge in QuickBooks, ready for your CPA.

(5)

Tell her once.

Zillow, your MLS, the lead service you pay every month. Say where it goes and the next one books itself. Turn it off the same way, by asking.

(6)

She texts you first.

Every morning Penni checks what posted overnight and texts you only what needs an answer. Most days that is a word or two from you.

Phone screens show example conversations. Names, amounts and QuickBooks ids are for illustration.

What you get

Minutes to connect.
Then she does the books.

Connect your bank and cards, pair your phone, and Penni is on the job: tracking what you spend, what you can write off and what to set aside. No accounting experience needed. You answer texts.

Know what to set aside.

Every commission comes with a set-aside figure, labeled as an estimate, so the quarterly bill is a number you already know.

Estimate

Write-offs as you go.

Penni works from the real estate tax rules: mileage or gas, meals, client gifts, dues, signs. It counts what counts and says what does not.

Estimate

Every receipt, on its charge.

Text the photo and it stays with the entry it paid for. If anyone ever asks for it, it is already there.

April is a file, not a scramble.

Statements and a year-end workbook with miles, expenses, commissions and volume, ready for your CPA.

One card is fine.

Business and personal on the same card is how most agents run. Penni asks which is which and keeps them apart.

No accounting needed.

Penni proposes, you answer. Yes, no, or a word. Nothing goes in your books without your OK.

See where it goes.

Spend by category and what you kept after it, in plain numbers, from the same books your CPA will see.

6:45 every morning.

One text with only what needs you. Most days that is a word or two back, and some days nothing at all.

Set-aside and write-off figures are estimates, never tax advice. Your CPA has the final say.

No QuickBooks? No problem.

Penni keeps
the books herself.

Most agents never wanted accounting software. Connect your bank and cards, pair your phone, and Penni asks about each charge as it lands: business or personal, one word back. Write-offs tracked, a set-aside estimate on every commission, and a year-end workbook your CPA can open. $59 a month, flat.

Start free How it works

Every Monday morning

The whole picture, in your inbox.

Penni texts you the short version and emails the full one: what came in, what to set aside, what is due next. Reply to it like you would reply to your bookkeeper.

Taxes first: what to set aside, what you have paid, the next due date
Cash today, commissions landed and what is under contract
Where the money went, and what bills are coming
Any question about your taxes or a bill, just reply

PenniYour week, Oct 5 to Oct 11

Mon 7:30 AM

$9,600 came in. Set aside $2,400 to $2,880.

Morning. A closing paid this week, your books are current, and one thing needs a yes from you.

Cash in checking$18,412Exact

Came in this week$9,600Exact

Set aside from it$2,400 to $2,880Estimate

Taxes Estimate

Estimated tax this year, on $86,400 in commissions$21,600 to $25,920

Paid so far, Q1 to Q3$15,000

Left to cover by Jan 15 (in 95 days)$6,600 to $10,920

Commissions

14 Maple Ct, closed Oct 8, after your 80/20 split$9,600.00

This year: 6 closings, to you after splits$86,400

Under contract: 22 Ocean Blvd, closing Nov 3 Baselineabout $7,200

Where it went this week

Advertising & Marketing Zillow, signs, listing photos$949.80

Client Gifts receipt attached$85.60

Meals, software and parking$154.60

Total out$1,190.00

Miles

This week, 3 showings and the Maple Ct closing66 mi, $50.16

This year, each at the IRS rate for its date2,318 mi

Coming up

MLS dues$165.00, Oct 20

Zillow books itself$350.00, Nov 1

Q4 estimated tax paymentJan 15

One thing needs you. Shell, $42.18 on Oct 9. You log mileage, so gas is already covered by the mileage rate. Mark it personal? Reply yes.

Questions about your taxes, a bill, or anything in here? Reply to this email or text me at (561) 475-3943.

Exact is straight from your bank and books. Estimate is labeled and never tax advice; your CPA has the final say. Baseline is a forecast until the money lands.

What you pay today

The old way costs $540 a month.

QuickBooks raised prices in August, and the bookkeeper you forward everything to still runs $400 more. Penni does the entering, the categorizing and the reconciling for $149 flat with QuickBooks, or $59 without it. Want a human still checking? Penni Pro adds a pro signing off every month for $299.

QuickBooks Plus$140

A bookkeeper$400

The old way, every month$540

Penni, with QuickBooks$149

Penni Ledger, no QuickBooks$59

Pricing

Flat, whatever you close.

Your price does not move when you have a big month. Pick by one question: do you use QuickBooks? Either way Penni does the books, you confirm by text, and the books are yours.

No QuickBooks

Penni Ledger

$59 /month, flat

30 days free, then $59 a month. Penni keeps the books herself; you never open accounting software.

Watches your checking, savings and cards every morning
Every charge asked business or personal, one word back
Commissions logged with the split and the set-aside estimate
Mileage by text at the current IRS rate
Receipts kept on the charge they paid for
A year-end workbook your CPA can open

Start free

With QuickBooks

Penni

$149 /month, flat

30 days free, then $149 a month. Annual is $1,188 a year. Penni writes to your QuickBooks, every entry with an id you can open.

Everything in Penni Ledger
Commissions booked in QuickBooks when they land
Rules you set once, by text
Month end checked against the bank
Your books stay in your QuickBooks

Start free

A pro signs off

Penni Pro

$299 /month, flat

Opening to a first group of agents. Tell us you want in.

Everything in Penni
A pro reviews your books every month and signs off
Signed receipt after every review, by text
Tax-ready year-end handoff

Talk to us

Add-on: catch-up bookkeeping, from $999 one-time. No contracts. Cancel anytime. See the full comparison

Works where you already work

The bookkeeper that texts you first.

Penni plugs into the accounts and tools you already use, reads what she needs, and never holds a password or moves a dollar. Every connection below is read-only except QuickBooks, where she writes the entries you confirm.

QuickBooks Onlineyour books Quiltt + MXbank and card feed Gmailreceipts, read-only Twiliotexts Stripebilling Anthropicthe AI Supabaseyour records Vercelhosting

QuickBooks OnlineConnected through Intuit's own sign-in. Penni never sees your QuickBooks password. She writes only the entries you confirm, each with an id you can open.

Quiltt and MXYour bank and card login goes to the connection service, never to Penni. She receives transactions and balances, read-only, and can never move money.

GmailRead-only, for receipts and invoices. This access passed Google's restricted-scope verification in September 2026, and the outside security assessment Google requires for it.

TwilioThe texts arrive in your Messages app from (561) 475-3943. Save her contact card and the thread reads Penni.

StripeBilling. Penni never stores your card.

Anthropic, Supabase, VercelThe AI, the records and the hosting. Your data is never used to train AI models, and it is encrypted in transit and at rest.

Service names belong to their owners. What each connection can and cannot read is on the security page.

Where the lines are

Checked by outsiders.
Plain about its limits.

Verified before you ever texted her

Google checked the app before it could read one emailPenni's Gmail access passed Google's restricted-scope verification in September 2026. Penni reads receipts and invoices. Nothing else, ever.

An outside lab assessed the appPenni passed the Cloud Application Security Assessment that Google requires, assessed by TAC Security. Forty-eight of forty-eight controls.

Every entry carries a QuickBooks id you can openPenni proposes, you confirm, and the booking comes back with its id. Most people stop checking after a month or two. That is the point.

What Penni will not do

Trust and escrow stay with your brokerPenni does not do trust or escrow accounting. Client funds and earnest money stay under your broker's process and your state's rules.

Estimates, never tax advicePenni's set-aside numbers are estimates built to keep a quarterly bill from surprising you. They are not tax advice and do not replace your CPA or EA.

Your books, never locked inEverything lives in your own QuickBooks. Leave whenever you want and your CPA can open your books without asking us for anything.

The dates, the assessor and exactly what each connection can read are on the security page.

Who built this

ZC

Zack CiampaReal estate broker, Ciampa Group

CW

Connor WhittemoreFinance and Accounting, 14 yearsCertified QuickBooks ProAdvisor

Built by a working real estate broker and a finance professional, because we needed it first. Trust is earned in your books, not claimed on a landing page.

Read the story

One text thread.Your whole back office.

Commission in.Commission booked.

Know what toset aside.