Penny Forward logo and tag "Blind People Building Bright Futures One Penny At A Time" on a background image of stacked coins.

Who We Are and What We Do

Penny Forward is a 501(C)(3) nonprofit organization founded and led by blind people. Through education, mentoring, and mutual support, we help each other learn to confidently navigate the complicated landscape of personal finance. We offer self-paced online financial education courses, weekly and monthly personal finance workshops, and one to one financial counseling provided by blind financial counselors.

Penny Forward

Do you want to become a better manager of money but you’re feeling a little lost?

Our self-paced online courses will provide both the blind and sighted communities with tools and techniques they can use to navigate the complicated landscape of personal finance. In addition, you will also have access to exclusive member-only Zoom chats where you can ask questions and practice your growing money management skills with other members and our instructors. You can also schedule one to one sessions for more personalized help. If that isn’t enough, you’ll also get early access to all Penny Forward podcast episodes, A members only newsletter, and bonus content created exclusively for our members.

And, thanks to a generous donation from YNAB (You Need A Budget), we’re able to offer a limited number of YNAB subscriptions to our monthly and yearly members for free. This is one of the most accessible budgeting apps we know of, and the subscription alone is worth the price of a Penny Forward membership. Don’t delay, though, because these subscriptions won’t last.

Join Penny Forward

Learn About
Penny Forward

Penny Forward is committed to transparency to our members and supporters. Use these links to learn more about all aspects of Penny Forward.

Penny Forward

Your support helps us continue our mission of providing accessible financial education to people who are blind. Choose a sponsorship tier that aligns with your commitment to financial literacy and enjoy the exclusive benefits that come with each level.

Learn More About Sponsorship Packages

Online Courses

Penny Forward’s self-paced courses have been designed to make it easy for people with and without vision loss to learn without having to learn how to navigate a complicated learning management system. Take as many courses as you want, and work through them at your own pace. And, if you need any help, we’re available by email at any time or by phone every weekday.

Visit the Course Catalog

Financial Independence Contest

We’re excited to announce our latest contest to welcome more people into the Penny Forward community and prove that financial independence truly is for everyone!

Learn More About The Contest

Don’t Miss An Event

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Visit our Event Calendar page to register for upcoming events.

From Workshops, Book Brunch, and Webinars, Penny Forward is your resource for the latest financial information, tools and tips.

  • Wednesday Workshop: Your FI number, Calculating Your Formula for Freedom

    07/24/2024: 6:30 pm

    Are you ready to take control of your financial future and discover the exact steps to achieve financial independence? We are thrilled to announce our upcoming workshop, “Your FI Number: Calculating Your Formula for Freedom”. This 1-hour session is designed to guide you through understanding and calculating your Financial Independence (FI) number, setting you on…

  • Early Access Podcast Episode Released To Members: From Anger to Action with Mike Calvo

    07/30/2024: 6:00 am

    Chris, Liz, and Moe talk with Mike Calvo, co-founder of Pneuma Solutions, about how, as a high school dropout, running with the wrong crowd, he found growth, success, and belonging in the blind community. In addition to our online courses, member calls, weekly newsletter, and access to one to one financial counseling, Penny Forward members…

Read the Blog

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Penny Forward provides helpful information related to personal finance, investing, budgeting, and financial management through our blog and weekly newsletter. Be sure to subscribe to receive updates on the latest posts!

Read the Blog

  • Access live visual interpreting of the solar eclipse!

    On Monday April 8, a total solar eclipse will cross North America. A total solar eclipse is a phenomenon that occurs when the moon completely covers the face of the sun, resulting in what looks like a black orb with a bright ring around it. The total solar eclipse on April 8 will last almost…

  • Wednesday Workshop Recording: April 3 – Ensure Your Future, Understanding the Basics of Insurance

    Guest members and site visitors will need to upgrade or create an account to get access to this recording. Whether you’re a seasoned planner or just starting to dip your toes into the waters of financial literacy, this workshop is tailor-made to equip you with essential knowledge and strategies to navigate the complex world of…

Listen to the Podcast

Penny Forward Podcast logo with backward and forward buttons and the cent symbol inside a circle replacing the play button.

The Penny Forward Podcast is a show about blind people building bright futures one penny at a time. It’s released every other Tuesday and guest and paid members get access to every episode a week early.

Listen to the Podcast

  • Early Access Penny Forward Podcast: In Person from the AFCPE Symposium

      Click Here to Find the Transcript Version…   Intro Join us this week for a in person recording with 3 of the founders of Penny Forward; Chris, Liz, and MOe, as they attended the AFCPE Symposium in Orlando Fl this past Nov. Listen to them discuss the challenges of attending such an event as…

  • Penny Forward Podcast: Can I Afford a Guide Dog?

    As we at Penny forward are getting ready for the AFCPE Symposium and preparing for the Thanksgiving Holiday, we thought we would dive into the archive and pull up a podcast that hits close to home for many of our members that take part in the members only group chat.   Click Here to Find…

Join our Book Brunch

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Every Tuesday at 10:00 AM Central Time

Dive into a unique literary experience every Tuesday morning at our ‘Tuesday’s Turning Pages Book Brunch.’ Delve into insightful discussions on financially based books and actively explore their suggestions as we read together. All featured books in our book brunch series are accessible in the NLS Catalog, free for blind individuals to sign up. Additionally, many titles are available in various formats on Amazon and other platforms. In this engaging book club, we’ll focus on one book for two months, allowing ample time to absorb and discuss the material. The reading workload between meetings will vary based on each book, ensuring a flexible and enjoyable experience for all participants. Join us on Tuesdays for a flavorful blend of finance and literature!

Learn More About Our Book Brunch

Next Book Brunch

  • Tuesday’s Turning Pages Book Brunch

    07/30/2024: 10:00 am

    Get ready to turn those financial faux pas into smart money moves with our latest book selection at Tuesday’s Turning Pages Book Brunch! This July and August, we’re diving into “The Dumb Things Smart People Do with Their Money: Thirteen Ways to Right Your Financial Wrongs” by Jill Schlesinger. Join us every Tuesday at 10am…

Latest Book Brunch Recordings

Learn Together at our Wednesday Workshops

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Each week, Penny Forward members meet to learn from and support each other as they become better money managers. These workshops are recorded so members can listen to workshops they missed or refer back to particularly memorable topics.

Learn More About Our Wednesday Workshops

Next Wednesday Workshop

  • Wednesday Workshop: Your FI number, Calculating Your Formula for Freedom

    07/24/2024: 6:30 pm

    Are you ready to take control of your financial future and discover the exact steps to achieve financial independence? We are thrilled to announce our upcoming workshop, “Your FI Number: Calculating Your Formula for Freedom”. This 1-hour session is designed to guide you through understanding and calculating your Financial Independence (FI) number, setting you on…

Latest Workshop Recordings

  • Recording: Members Only Group Chat Telling Good Advice from Bad Advice

    Telling Good Advice from Bad Advice When we want to make a change to our finances, many of us seek advice. Maybe we want to be told what to do, or maybe we want to be told we’re about to do the right thing. What ever the reason, though, how do we know that the…

  • Recording: Members Only Group Chat Saving Traditions

    Saving Traditions Do you wonder how you can save anything when you’re simply struggling to make it until the next paycheck? For centuries, societies with no access to banking have maintained traditions of saving together. This week we talked about these traditions and how they are used today to help people at all income levels…

Join our Monthly Financial Sense¢ Live Stream

Penny Forward logo featuring an arrow pointing forward, symbolizing progress and direction. "Financial Sense¢" under logo.

Join us every third Thursday for Financial Sense¢, a monthly public live stream and Zoom call offered through the American Council of the Blind Community Events platform. These calls feature engaging speakers and interactive discussions about financial topics of interest to people with and without vision loss.

Next Financial Sense¢ Program

Get the Penny Forward App

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The Penny Forward App allows you to access many of our online resources including:

  • My Account and Profile
  • News Articles
  • Podcast Episodes
  • Self-paced Accessible Online Financial Wellness Courses
  • Financial Calculators
  • and more!

Download the app today for instant access wherever you are!

Get One to One
Financial Counseling

A financial counselor with a clipboard sitting across from a client.

Penny Forward’s unique approach to financial counseling bridges the gap between expertise and experience, offering tailored support specifically designed for the blind community. Our team of financial counselors, all accredited with the prestigious AFC® (Accredited Financial Counselor) certification, stand at the forefront of financial education and empowerment for individuals navigating financial challenges with visual impairments.

Learn More about Financial Counseling

Financial Calculators and Tools

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There are any number of online tools that can help you to better understand your finances. We’ve selected the ones that work best with a screen reader.

Visit our Tools Page

Support Penny Forward

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Your donations help blind and disabled people learn to confidently navigate the complicated landscape of personal finance through online courses and group and one to one mentoring. Please donate $19 per month to continue this life-changing work.

We accept:

  • Online donations by debit or credit card.
  • Donations of securities.
  • Qualified Charitable Distributions.
  • Donations from workplace giving platforms.
  • And more.

Learn More About Donating

Stay In Touch With Penny Forward

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Sign up for a free guest membership and get:

Shop Penny Forward Merch

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Support Penny Forward, and the blind community, in more ways than one.

  • Our Penny Forward branded merch is stylish and practical.
  • Where noted, our merch has been designed and produced by blind-owned businesses.

Visit the Penny Forward Shop