Penni Ledger · $59 a month, flat

No QuickBooks. No bookkeeper. Just text her.

Most agents never wanted accounting software. Connect your bank and cards, pair your phone, and Penni keeps the books herself. Every charge asked business or personal, write-offs tracked as you go, a set-aside estimate on every commission, and a year-end workbook your CPA can open. 30 days free.

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Choose "No, Penni keeps my books" at signup. Already on QuickBooks? Penni writes there instead, for $149.

What you pay today

The old way costs $540 a month.

QuickBooks Plus is $140 since the August price increase, and the bookkeeper you forward everything to runs about $400 more. Penni Ledger does the entering, the sorting and the tracking for $59. That is about $480 a month back, nearly $6,000 a year, and you never open a spreadsheet.

QuickBooks prices verified on Intuit's site, August 2026. Bookkeeper figure is the typical monthly rate quoted to agents.

QuickBooks Plus$140
A bookkeeper$400
The old way, every month$540
Penni Ledger, flat$59

How it works

Minutes to connect. Then she does the books.

  1. Connect your bank and cards. Your login goes to the connection service, never to Penni. She reads transactions and balances and can never move money.
  2. Pair your phone. Her texts arrive in your Messages app from (561) 475-3943. Save the contact card and the thread reads Penni.
  3. Answer her texts. Every morning at 6:45 she sends only what needs you: a charge to sort, a deposit to name, a receipt to keep. Most days that is a word or two back.

What you get

Everything a real estate agent needs. Nothing to learn.

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.
Write-offs as you go
Penni works from the real estate tax rules: mileage, meals, client gifts, dues, signs. It counts what counts and says what does not. Estimates, never tax advice.
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.
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.
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
A year-end workbook with miles, expenses, commissions and volume, ready for your CPA. Yours to download any day.
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Set-aside and write-off figures are estimates, never tax advice. Your CPA has the final say.

Do I need QuickBooks?
No. Penni Ledger keeps the books herself. If you already use QuickBooks, pick Penni at $149 and she writes there instead.
Where do my books live?
In Penni, and they are yours. Download the workbook any day. Cancel any time and nothing is held.
Can I move to QuickBooks later?
Yes. Text us when you are ready and we move you to the QuickBooks plan.
What if Penni gets something wrong?
Nothing goes in your books without your yes, and there is an undo by text. Penni proposes, you confirm.
Is a real person available if I need one?
Yes. Email support@penni.so and a real person replies within 24 hours. Penni herself answers texts around the clock.
Do you file my taxes?
Not today. Penni gives your preparer a year-end workbook with every expense, mile and commission, and set-aside figures labeled as estimates. Your CPA has the final say on the return.

The text thread above is an example conversation. Amounts and dates are for illustration.