Manage your clients. Pay nothing. Ever.

Penny categorises 90%+ of transactions automatically before you open the file. Your review queue shows only exceptions — uncategorised items, low confidence scores, and flagged anomalies. You spend minutes reviewing, not hours.

Penny pre-populates all workpaper schedules directly from client transaction data. No manual data entry. No copy-paste. Open the workpaper, review, sign off. Xero charges extra for workpapers. We include them free.

Penny generates plain-English commentary on every client’s financial reports — P&L movements, cash flow trends, tax position changes. Send it as-is or edit before it goes to the client. Either way it takes seconds, not hours.

File VAT returns and Self Assessment directly to HMRC from inside the accountant portal — no switching between systems, no re-keying data. Pre-submission checks flag anomalies before anything goes to HMRC. Junior approval workflows ensure nothing files without senior sign-off.

All client VAT deadlines, Self Assessment dates, CIS returns, Corporation Tax, and PAYE tracked in one colour-coded calendar. Automated alerts fire before anything goes overdue. Filter by client, by deadline type, by urgency.

Complete Year-End Pack generated automatically from client data — trial balance, P&L, balance sheet, workpapers, and supporting schedules. One click. Sage charges for this. We include it on every practice account at no cost.

See every client’s filing status with HMRC references at a glance. Download submission receipts. Email confirmations to clients automatically. No more chasing HMRC for proof of filing.

Batch invoice download, bulk communications, ZIP exports — handle operations across dozens of clients in a single action. No more clicking through each client individually. Select, action, done.

Generate, send, and track engagement letters and KYC assessments for every client — unlimited, included, no per-document charges. Sage bills per document. We don’t charge for either. Ever.

Structured step-by-step onboarding workflow for every new client — Companies House verification, KYC, engagement letter, bank connection, opening balances. Penny guides the client through each step automatically. You just approve.

Send deadline reminders, document requests, or practice updates to all clients or filtered groups in one action. Via email, Telegram, or SMS. No other bookkeeping platform offers bulk messaging to clients via messaging apps.

Kanban-style practice manager tracks every client job from creation to filing. Assign to team members, set priorities, track progress. See at a glance what’s overdue, what’s in review, and what’s ready to file. Xero charges extra for Practice Manager. Ours is included.

Penny handles client queries via Telegram, SMS, and Web Chat around the clock. Tax position questions, deadline queries, receipt categorisation — Penny handles it. Your phone stays quiet. Your clients stay happy. They stay with you.

Every client gets a real-time health score based on their bookkeeping completeness, outstanding transactions, upcoming deadlines, and bank connection status. Red means action needed. Green means all clear. You see every client at a glance.

Clients snap a receipt and send it via Telegram, SMS, or email. Penny reads it, categorises it, matches it to a transaction, and files it. No receipt app to install. No login required. The lowest friction receipt capture of any platform.