text penni — no app needed

stop the quickbooks dread.

The finance team
you text.

Penni handles your invoices, receipts, cash flow, and tax deadlines — all through a text message. Works with QuickBooks today. Xero and more coming soon.

start free for 30 days → text (351) 666-5862

Free for 30 days. Then $49 first month. $149/mo after. No credit card.

P
penni
● online
product demo

see penni in action.

76 seconds. everything penni does for your business.

🔊 best with sound on

how onboarding works

Up and running in two minutes.

Sign up, connect your accounting software, and Penni texts you your first financial snapshot. No calls. No setup guides. Just click and go.

penni
Sign up with Google
or
Sign up with email
step 1 of 3
Tell us about your business
This helps Penni understand your books.
Acme Corp
Founder / CEO
Consulting
1-5 employees
+1 (561) 555-0142
Continue →
step 2 of 3
Connect your books
One click. Penni gets read/write access to your chart of accounts, invoices, and bank connections.
📗 Connect QuickBooks Online
📘 Connect Xero coming soon
Connect QuickBooks Online — Xero coming soon. Bank-level encryption. Credentials never stored.
Reading your books...
This only takes a moment.
○Chart of accounts
○Vendors
○Bank accounts
○Open invoices
○AR aging report
step 3 of 3
Where should Penni text you?
Pick your channel. Add more later.
💬
SMS
Text from any phone — no app needed
recommended
✈️
Telegram
Full image support for receipts
📱
WhatsApp
Coming soon
Text Penni at (351) 666-5862 →
P
penni
● online
10,000+ business owners have seen Penni in action
$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
plugs into what you already use
📗
QuickBooks
📘
Xero (soon)
💬
SMS
✈️
Telegram
📱
WhatsApp (soon)
six pillars

Everything a bookkeeper does.
Without the bookkeeper.

Penni isn't software you log into. She's a finance team that lives in your messages. Each pillar runs on autopilot — she texts you when something needs your attention. Works with QuickBooks Online today. Xero integration in development.

💰
Gets you paid
Send an invoice by texting 11 words. Penni creates it in QuickBooks, emails it to your client, tracks the payment, and chases them automatically if they don't pay.
invoice Acme Corp $4,200 for consulting, net 30
✓ Invoice #1042 for $4,200 sent to accounts@acmecorp.com. Due Apr 15. I'll follow up if they don't pay.
11 words. invoice sent. AR tracked. reminders on autopilot.
📊
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
⏪
Catches up your books
Months behind? Penni scans your email for every receipt, invoice, and transaction notification you've missed — then categorizes and books them all to QuickBooks. No manual data entry. No spreadsheets. She goes back as far as you need.
I haven't touched my books in 6 months. Can you clean it up?
On it. Scanning your last 6 months of email now. ✉️
Found 147 transactions totaling $18,430 across 23 vendors. 112 are ready to book — 35 need your confirmation. Want me to start?
Do it
✓ 112 expenses booked. Texting you the 35 that need review one at a time.
months of backlog → cleaned up in minutes
🧾
Coming soon
Pays your bills
Penni reviews every bill that hits your inbox, flags duplicates and weird charges, and pays them on time. No more late fees. No more login marathons.
⚠️ 3 bills due this week — $2,840 total. AT&T flagged: amount jumped 40% vs last month.
pay the other two, hold AT&T
✓ Scheduled. I'll ping AT&T about the increase and report back.
via Plaid Bill Pay — Q3 2026
pricing

Start free. Upgrade when you're ready.

No credit card required to start. Cancel anytime.

days 1–30
Free
no credit card
month 1
$49
per month
month 2+
$149
per month
  • ✓ Text-to-invoice — send invoices in 11 words
  • ✓ Automated AR reminders at 7, 14, 30, 60 days
  • ✓ Unlimited receipt processing & QBO posting
  • ✓ 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 — no app, no dashboard, no login
start free for 30 days
Or $99/mo billed annually ($1,188/yr) — save $600/year

Cancel anytime. No contracts. No hidden fees.

A human bookkeeper costs $300–800/mo. One collected overdue invoice pays for Penni for an entire year.
roadmap

What's next.

We're building this in public. Here's what's shipping next.

Q3 2026
Xero integration — a second accounting platform, same Penni experience.
Q3 2026
Plaid Bill Pay — review, flag, and pay your bills directly from Penni.
Soon
Multi-entity support — for businesses with multiple QuickBooks or Xero accounts.

Stop opening QuickBooks.
Start texting Penni.

Free for 30 days. Then $49 first month. $149/mo after. No credit card.

start free for 30 days →
Or save $600/year with annual — $99/mo ($1,188/yr) →
or just text (351) 666-5862 right now

No credit card required. No app to download. Just text.