AI & Automation
The only bookkeeper that tells you when she's unsure
Every transaction gets a confidence score, so you always know what needs your attention.
Penny analyses each transaction and assigns a confidence score from 0 to 100%. High-confidence items are categorised automatically. Uncertain items are flagged for your review. No more silent errors hiding in your books.
Start Free Trial →How It Works
Penny categorises
Every transaction is analysed using three-tier AI reasoning: rules, pattern matching, and large language models.
Confidence score assigned
Each categorisation gets a score. 95%+ is auto-applied. Below 80%? Penny asks you. Below 50%? Your accountant reviews.
You see what needs attention
Your dashboard highlights only the items that need human input. Everything else is handled for you.
Why Confidence Scoring?
No silent errors
Unlike traditional software that categorises and moves on, Penny flags uncertainty instead of guessing. Your books stay accurate.
Save time on review
Focus only on the transactions that actually need your input. High-confidence items are handled automatically.
Audit-ready books
Every categorisation decision is logged with its confidence score, creating a full audit trail for HMRC.
Gets smarter over time
When you confirm or correct a suggestion, Penny learns your preferences. Confidence scores improve with every interaction.
UNIQUE to Accounted
No other bookkeeping tool gives you this level of transparency. Confidence scoring is built into everything Penny does.
How confidence scoring works
Penny uses a three-tier reasoning engine to categorise every transaction. First, she checks deterministic rules — direct debits, standing orders, and known merchants. Then she searches for patterns across your history. Finally, for genuinely ambiguous items, she uses AI reasoning to make a judgement call. Each tier produces a confidence score.
- Tier 1 rules handle 95% of transactions instantly
- Pattern matching catches recurring merchants and amounts
- AI reasoning only kicks in for genuinely unclear items
- Scores below 80% always require human confirmation
Why it matters for Making Tax Digital
MTD requires quarterly submissions to HMRC. That means your books need to be accurate every quarter, not just at year-end. Confidence scoring ensures nothing slips through unchecked. Every flagged item is resolved before submission, so you file with certainty.
- Catch categorisation errors before quarterly submissions
- Full audit trail satisfies HMRC record-keeping requirements
- Accountant review queue for complex items under 50% confidence
- Reduces year-end corrections and penalties
Frequently Asked Questions
Transactions scoring between 50% and 79% are flagged for your review with Penny's best suggestion. You can confirm, change the category, or add a note. Anything below 50% is automatically routed to your accountant's review queue if you have one connected.
Absolutely. You can change any categorisation at any time, even high-confidence ones. When you do, Penny learns from the correction and adjusts her future scoring for similar transactions.
Yes. Penny's three-tier reasoning engine learns from every confirmation and correction. Most users see noticeable improvements within the first month as Penny learns their specific spending patterns and merchant preferences.
Every categorisation is logged with the confidence score, the reasoning tier used, a timestamp, and whether it was auto-applied or human-confirmed. This full audit trail is available in your records and included in year-end packs for your accountant.
Ready to try Confidence Scoring?
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