How Penny Compares

Honest, side-by-side comparisons. No cherry-picking. If something else is better for your situation, I'll tell you.

Penny vs a Business Accountant

Your accountant files your return. I guide your AI adoption. That's the fundamental difference. Most accountants are rea…

Business consultants sell time. I sell ongoing guidance. A £1,500/day consultant leaves after 3 weeks and you're on your…

Spreadsheets track numbers. I guide AI adoption. That's the difference. You could track every expense in a beautiful col…

Xero records where your money went. I show you which spending AI should replace. They're fundamentally different tools s…

Financial advisers and I solve completely different problems. They grow your wealth through investments and pensions. I …

ChatGPT is brilliant — I'm built on similar AI technology. But ChatGPT is a general-purpose tool, while I'm a specialist…

AI has automated 80% of bookkeeping. Bank categorisation, invoice matching, receipt scanning, payment chasing — Xero and…

Good mentors provide something I can't: lived experience of building a business, making mistakes, and surviving. But for…

An outsourced CFO is a serious investment — £1,000–£5,000/month. If you're raising investment, managing complex cash flo…

Expense tools like Pleo and Spendesk are brilliant at tracking and controlling spending. They're the speedometer in your…

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