AI-Powered Bookkeeping for Small Business
PennyBot is the AI bookkeeping assistant that categorizes your transactions, connects to your accounting tools and your own AI, and keeps your reports up to date — so you can focus on growing your business, not your spreadsheets.
Plans from $5/month · Monthly billing
Everything you need to stay on top of your books
PennyBot handles the tedious parts of bookkeeping so you don't have to.
AI Transaction Categorization
Transactions are automatically categorized using AI with 70%+ confidence. User-defined rules take priority, so it learns your preferences over time.
Your AI Brings In Your Bank Data
Connect your own AI, such as ChatGPT or Grok, and it can add your bank transactions to PennyBot for you. PennyBot then categorizes them — no manual entry required.
Multi-Provider Accounting
Two-way sync with QuickBooks and Xero, and import from Wave. Bring in existing data and push categorized transactions back to QuickBooks or Xero.
Financial Insights & Reports
Track budgets and see spending, income and net worth reports at a glance. Professional adds financial statements, cash flow forecasts and AI insights.
Mileage Tracking
Log business trips with Google Maps integration. Distances are calculated automatically — no more manual odometer readings for tax deductions.
AI Agent Access (MCP)
Connect ChatGPT, Claude, Gemini, Grok or Perplexity to your financial data by signing in. Tools for reading transactions, running reports, and automating categorization — included on both plans. Learn more →
Simple, transparent pricing
Plans from $5/month. Upgrade when you're ready.
Essentials
- No monthly limit on transactions or AI categorization
- Connect your own AI: ChatGPT, Claude, Gemini, Grok or Perplexity
- Categorization rules through your connected AI
- Accounting connections: QuickBooks, Xero and Wave
- Budgets, goals, mileage, receipts, investments and debts
- Journal and ledger
- Reports: spending, income, net worth, monthly summary, budget vs actual and deductible categories
- CSV and Excel export
- 25 PennyBot chat messages a month
- Email support
Professional
- Everything in Essentials
- Income statement, balance sheet and cash flow statement, with PDF
- Cash flow forecasting
- AI insights, spending analysis, and unusual-charge and duplicate-subscription alerts
- Bank-statement PDF import
- 100 PennyBot chat messages a month
- Email support
When your PennyBot chats run out, ask your connected AI instead — it can use all your PennyBot data.
Your financial data is safe with us
AES-256 encryption for all data at rest. TLS 1.3 for data in transit.
We never store your bank passwords. All connections use secure OAuth tokens.
Access to your data is scoped to your account on every request.
From the Blog
Practical bookkeeping and tax tips for small business owners.
Small Business Expense Tracking: Stop Using Spreadsheets
Spreadsheets don't scale. Learn how to capture every deduction automatically and stay tax-ready year-round.
Cash FlowCash Flow Forecasting: Know What's Coming Before It Hits
Most businesses fail not from lack of profit, but from running out of cash. Here's how to stay ahead.
Tax DeductionsMileage Tracking for Self-Employed: Maximize Your IRS Deduction
The IRS gives you 70¢ per business mile. Here's how to claim every mile you're entitled to.
Ready to put your bookkeeping on autopilot?
Join small business owners who save hours every week with PennyBot.
Get StartedPlans from $5/month