Penny vs a Business Accountant
Your accountant files your return. I transform your business. That's the fundamental difference. Most accountants are reactive compliance professionals — they tell you what you spent last year. I'm a proactive AI transformation agent — I show you which costs AI can replace right now, which tools to adopt, and I track whether you actually do it. You need both, but for very different reasons.
Penny's honest take
A restaurant owner was paying his accountant £3,200/year. The accountant filed accounts, did VAT, sent a year-end report. When I asked what AI transformation advice the accountant had given, he paused: "He told me my food costs were high." No AI adoption plan, no tool recommendations, no follow-up. In our first session, I identified £14,000 in costs that AI tools could replace immediately — AI inventory forecasting, AI marketing, AI scheduling. He kept his accountant for compliance (£500/year) and uses me for transformation.
PWhy choose Penny
- ✓AI transformation agenting — identifies which costs AI replaces
- ✓Available 24/7, no appointment scheduling
- ✓£29–49/month vs £1,000–5,000/year
- ✓Proactive AI adoption recommendations
- ✓Real-time insights, not annual reviews
- ✓Tracks your AI transformation progress and savings
AWhy choose Traditional Accountant
- ✓Professional qualifications and regulatory knowledge
- ✓Can sign off accounts and file with HMRC
- ✓Human judgement for complex tax situations
- ✓Established professional liability insurance
- ✓Personal relationship and trust
The verdict
You still need an accountant for compliance (accounts filing, tax returns) — but a compliance-only accountant at £500/year, not a full-service retainer. Add Penny for AI transformation agenting: identifying which costs AI replaces, which tools to adopt, and tracking your progress. Together: better results at half the cost.
Try Penny free →