Penny

Your AI accountant. Inside the platform.

Talk to her like a colleague and hand her the statements.
She does the work in the ledger, and you approve every month.

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Close 2025 for Harbor & Pine. Statements and last year's workbook are attached.
What is still open across the firm this month, and what needs me?
Send Dana the September P&L with a short note on gross margin.

Ask about a client, a run, a report… (Enter to send)

ResearchEnter to send · Shift+Enter for a new line

Penny reads the real books. Finalizing, reopening, and sending always ask first.

A year, in one conversation

From a folder of PDFs to twelve approved months.

This is the whole arc with Harbor & Pine Coffee Co., a two-location roaster on a Chase checking account and a Chase business card.

01
Hand her the year.
Attach the statements and the prior-year workbook in one message. Scanned pages, cleared-check images, and a PDF that holds several statements are all fine; she splits and reads them.
Close 2025 for Harbor & Pine. Statements for both Chase accounts and the 2024 workbook are attached.
Got them: 24 statements across checking ·4821 and the business card ·7730, plus the 2024 workbook. I will import the workbook first so last year's categories carry over, then close January through December, one month at a time.
chase-4821-2025-01.pdf182 KB
chase-7730-2025-01.pdf96 KB
+ 22 more statements
harbor-pine-2024-books.xlsx48 KB
Close 2025 for Harbor & Pine Coffee Co. The statements for both Chase accounts and last year's workbook are attached.
ResearchEnter to send · Shift+Enter for a new line
02
She plans before she touches a number.
A plan panel shows every step and its progress. The prior year goes in first, so Penny starts from the client's own categories rather than generic ones.
Plan: import the 2024 workbook and set opening balances, then 12 monthly closes, oldest first. Each month: extract, reconcile to the statement, categorize, run the review, and bring you the approval card.
Plan0/14
1. Import prior-year workbook (in progress)
2. Import 2025 bank statements
3. Close Jan 2025
4. Close Feb 2025
5. Close Mar 2025
6. Close Apr 2025
7. Close May 2025
8. Close Jun 2025
9. Close Jul 2025
10. Close Aug 2025
11. Close Sep 2025
12. Close Oct 2025
13. Close Nov 2025
14. Close Dec 2025
03
One month at a time, oldest first.
January is finalized before February begins, so every learned vendor, transfer pair, and owner habit is already in memory for the next month. By December the close is mostly confirmation.
January is reconciled: 186 lines, statement $31,204.18 to $33,977.60, books match. 71 lines came from rules and memory; I categorized the rest and left two for Dana as client questions.
- Finalize JanJanuary 2025approved
- Finalize FebFebruary 2025approved
- Finalize MarMarch 2025approved
- Finalize AprApril 2025approved
- Finalize MayMay 2025approved
- Finalize JunJune 2025approved
- Finalize JulJuly 2025approved
- Finalize AugAugust 2025approved
- Finalize SepSeptember 2025approved
- Finalize OctOctober 2025approved
- Finalize NovNovember 2025approved
- Closing a month… · Dec 2025
04
Nothing is final until you approve it.
The approval card shows what will happen: counts, totals, net income, the balance-sheet check, and a journal-entry preview when one is involved. Approve, or send it back with a note.
December is ready. 214 transactions, all categorized. Statement $38,904.55 to $44,117.02; books match to the penny. Review passed. Finalize December 2025?
Approved.
Finalize December 2025?
Harbor & Pine Coffee Co. · Chase ···4821
needs you
Statement
$38,904.55 → $44,117.02
Transactions
214 · all categorized
Net income · December
$11,862.41
Books vs. statement
$0.00 difference
Review passed
If you approve
Locks December 2025 so nothing in it can change
Remembers 6 new vendors for next month
FinalizeSend backNothing runs until you decide
05
Balanced to the penny.
Penny reconciles each account to its statement and balances the sheet before she ever asks you to finalize. A line she cannot explain becomes a client question, not a plug.
Year-end balance sheet balances: $82,517 on both sides, $0.00 difference. Opening balances tie to the 2024 workbook, and all 12 months reconcile to their statements. Net income for 2025 is $96,412.30.
Balance sheet
Harbor & Pine Coffee Co. · as of Dec 31, 2025
Balanced · 0.00
Assets
1000Chase checking ·4821$44,117
1500Equipment, net$38,400
Total assets$82,517
Liabilities
2000Chase business card ·7730$8,365
Equity
3000Owner's capital$40,000
3100Owner's draws−$62,260
Net income$96,412
Total liabilities & equity$82,517
06
Ask for the report.
P&L, balance sheet, cash flow, aging, ledgers, and period comparisons, on request, in Excel, PDF, or Word. Memos and research reports too.
Send me the 2025 P&L and balance sheet as one Excel workbook.
Here is the 2025 package for Harbor & Pine: P&L, balance sheet, and the account ledgers in one workbook. Want a PDF version for Dana as well?
Profit and loss
Harbor & Pine Coffee Co. · Jan 1 – Dec 31, 2025
Email P&LExport xlsxSave as PDF
Revenue
Sales$612,480
Expenses
Cost of goods sold$218,940
Payroll$196,300
Rent$54,000
Utilities$14,628
Repairs & supplies$32,200
Net income$96,412
07
She delivers it, with your say-so.
Sending is a gated action, like finalizing. Gmail is connected to your firm, the portal carries your firm's name, and you see the draft before it goes.
Yes. Email the PDF to Dana and publish it to the portal.
Drafted: an email to Dana Whitfield with the 2025 P&L and balance sheet attached, and a portal post under Brightpath Bookkeeping. Send both?
Send the 2025 package?
Harbor & Pine Coffee Co. · two deliveries
needs you
Email
To
Dana Whitfield
Subject
2025 P&L and balance sheet
harbor-pine-2025-year-end.pdf
Portal
Under
Brightpath Bookkeeping
Post
2025 year-end package
Visible to Dana Whitfield once sent.
Send bothNot nowNothing sends until you decide
08
Then the whole firm.
Penny keeps a briefing on every client: what is open, what is waiting on you, what needs the client. One ask, and September closes across the roster, each month still approved by you.
Close September for every client.
Seven clients have September statements in. I will close each in turn and bring you one approval card per client. Cedar & Vine has an open question for the owner, so it will come last.
- Harbor & Pine Coffee Co.
  LLC · Food & beverage
  Finalized
  September finalized · 0:41
- Northwind Dental Group
  S-Corp · Healthcare
  Finalized
  September finalized · 1:12
- Cedar & Vine Landscaping
  LLC · Services
  Needs you
  1 client question for the owner
- Marlow Street Studio
  LLC · Creative
  Finalized
  September finalized · 0:58
- Halvorsen Plumbing
  S-Corp · Trades
  Awaiting your approval
  Review passed · 142 lines
- Juniper Row Bakery
  LLC · Food & beverage
  Finalized
  September finalized · 1:03
- Atlas Fitness Collective
  LLC · Fitness
  In review
  Reconciling Chase ···2206
4 of 7 finalized · 1 awaiting your approval · 1 in review · 1 needs you

What makes Penny different

An accountant's habits, not a chatbot's.

A memory per client.
Every finalized month rewrites a living playbook for that client: vendors, transfer pairs, owner habits, your firm's judgment calls. She gets faster and more accurate with every close.
Review gates before anything is final.
A review pass checks each month for unreviewed rows, one-sided transfers, a balance-sheet gap, and open questions. A month that fails cannot be finalized.
Approvals, not notifications.
Finalizing, posting a journal entry, sending an email: each one stops and asks. The card shows exactly what will happen, and you decide.
Client questions instead of plugs.
When a line cannot be explained from the books, Penny writes one question per counterparty with every related transaction attached. The client answers; the books stay honest.
Whole-firm awareness.
She knows the state of every client's books without being told: what is open, what is late, what needs you. Ask about the roster, not one file at a time.
Research mode.
For a harder question, she plans, reads the books and the client's knowledge, searches the web, and writes a memo with its sources.
Exports you can hand over.
Reports and memos export to Excel, PDF, and Word, formatted for a client rather than a developer.

What Penny won't do

Some things stay yours.

She won't finalize without you.
Finalizing is a gated action. Penny asks; a person approves. There is no setting that changes that.
She won't invent a number to make a sheet tie.
An unexplained difference becomes a client question with the evidence attached. It never becomes a plug.
She won't touch money movement.
Paying a card, moving money between accounts, and connecting a bank are human actions. Penny records and reconciles them; she does not initiate them.

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Give Penny your hardest catch-up.

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Penny. Only on booked.

Your AI accountant. Inside the platform.

From a folder of PDFs to twelve approved months.

Hand her the year.

She plans before she touches a number.

One month at a time, oldest first.

Nothing is final until you approve it.

Balanced to the penny.

Ask for the report.

She delivers it, with your say-so.

Then the whole firm.

An accountant's habits, not a chatbot's.

A memory per client.

Review gates before anything is final.

Approvals, not notifications.

Client questions instead of plugs.

Whole-firm awareness.

Research mode.

Exports you can hand over.

Some things stay yours.

She won't finalize without you.

She won't invent a number to make a sheet tie.

She won't touch money movement.

Give Penny your hardest catch-up.