Pricing · Penni

Penni

$149 /month, flat

14 days free, no card. Then $49 your first month.

✓ AI books and categorizes every transaction
✓ Reconciles your accounts to the bank monthly
✓ Chases your invoices, friendly then firm
✓ Proactive alerts before problems get expensive
✓ You approve everything by text. Pros on call when you want them

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A pro signs off

Penni Pro

$299 /month, flat

Billed from day one. First cohort: white glove onboarding within two weeks.

✓ Everything in Penni
✓ A certified pro reviews and signs off on your books every month
✓ On-call human for any question
✓ Tax-ready year-end handoff
✓ Signed receipt after every review

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The CFO layer

Penni CFO

$599 /month, flat

Billed from day one. A fractional CFO runs $5,000 a month. This is the 90% you actually need.

✓ Everything in Penni Pro
✓ Forecasting you can text: cash, hiring, what-ifs
✓ Quarterly strategy session with a pro
✓ Annual tax planning session with a partner CPA or EA

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In real estate?

Same flat price, tuned for commission income. Closings booked with the split and the fee, mileage by text, and a running set-aside for the quarterly estimate.

See Penni for real estate →

Add-ons. Tax filing, $100 a month, 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.

The honest comparison

Four questions to ask anyone who wants your books.

	Penni Pro	QuickBooks Live	Bench	Pilot	Human bookkeeper
Price	$299 flat, forever	$300 to $700, scales with your expenses, plus your QBO subscription	$349, or $699 with tax	$499 and up	$400 to $800
Who does the work	AI, in minutes, around the clock	A rotating human team	Humans on their platform	Humans	One human, when available
Who signs off	A certified pro, every month, with a receipt	The team that did the work	The team that did the work	The team that did the work	Nobody checks the checker
Where your books live	Your QuickBooks. Leave any time, books stay put	Your QuickBooks	Their proprietary platform. In 2024 a shutdown locked 12,000 businesses out	Their stack	Wherever they keep them

Questions owners actually ask

Straight answers.

What if the AI gets something wrong?

Every entry is propose and confirm. Nothing books to QuickBooks without your yes, and there is an undo. On Penni Pro, a certified pro also reviews your books every month and signs off, so a second set of eyes is built in.

What happened to Bench customers will not happen to me?

It cannot, structurally. Penni writes to your QuickBooks, not to our platform. Cancel any time and your books are exactly where they always were. No data hostage, ever.

Why is this cheaper than hiring a bookkeeper?

Because the AI does the hours and the pro does the judgment. You stop paying human rates for data entry, and pay them only for what humans are actually best at.

Is a real person available if I need one?

Yes, on every tier. On Penni you can ask for a pro any time. On Pro and CFO they are already on your account, and Penni herself answers 24/7 with your pro replying within one business day.

Do you file my taxes?

Pro gets you a tax-ready year-end handoff your preparer will love. CFO adds an annual tax planning session with a partner CPA or EA. Filing is available as an add-on.

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