Civic Intelligence

Penny Forward Inc

EIN 87-2376924 • 501(c)3 • Owatonna, MN

Profile

Penny Forward is a 501C3 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.

202 N Cedar Ave Ste 1Owatonna, MN 55060

https: pennyforward.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

80th percentile

0.13x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

0.04x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

63rd percentile

9.7%

Higher net margin than 63% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

88th percentile

54%

Faster asset growth than 88% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

93rd percentile

113%

Faster revenue growth than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$60,864

Up $21,287 (+54%) from 2023

Liabilities

Up

$7,935

Up $1,907 (+32%) from 2023

Net Assets

Up

$52,929

Up $19,380 (+58%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin63rd percentile

Revenue

Up

$199,411

Up $105,618 (+113%) from 2023

Expenses

Up

$180,031

Up $99,412 (+123%) from 2023

Net Income

Up

$19,380

Up $6,206 (+47%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth88th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80K$60K$40K$20K$0Assets 2021: $4,979Liabilities 2021: $0Net Assets 2021: $4,9792021Assets 2022: $20,375Liabilities 2022: $0Net Assets 2022: $20,3752022Assets 2023: $39,577Liabilities 2023: $6,028Net Assets 2023: $33,5492023Assets 2024: $60,864Liabilities 2024: $7,935Net Assets 2024: $52,9292024

Highlighted filing

2024

Assets$60,864
Liabilities$7,935
Net Assets$52,929
Open 2024 Filing

Operations Trend

Revenue Growth93rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0Revenue 2021: $0Expenses 2021: $0Net Income 2021: $02021Revenue 2022: $4,241Expenses 2022: $0Net Income 2022: $4,2412022Revenue 2023: $93,793Expenses 2023: $80,619Net Income 2023: $13,1742023Revenue 2024: $199,411Expenses 2024: $180,031Net Income 2024: $19,3802024

Highlighted filing

2024

Revenue$199,411
Expenses$180,031
Net Income$19,380
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,864
Liabilities
$7,935
Net assets
$52,929
Revenue
$199,411
Expenses
$180,031
Net income
$19,380
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.61$0.08$0.53$1.99$1.80$0.19
2023Detailed filing. Detailed filing data is available for this year.$0.40$0.06$0.34$0.94$0.81$0.13
2022Detailed filing. Detailed filing data is available for this year.$0.20$0.00$0.20$0.04$0.00$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.05$0.00$0.05$0.00$0.00$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.1
Gross Receipts
$199,504
Mission and Program Overview

Mission

Penny Forward is a 501C3 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.

Program Services

DescriptionGrantsExpenses
Fifty two hours of weekly financial workshops benifited in excess of 200 individuals in 2024.$0$78,000
Self paced online financial education courses benifited in excess of 200 members in 2024.$0$4,000
12 hours of public webinars benefited 120 people in 2024.$0$1,800
Our web site and podcast contain a wealth of free financial education resources open to the public. We estimate that our web site served over 8,500 unique visiters and our podcast served over 6,000 unique listeners in 2023.$0$0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher PetersonCEO And PresidentFT$13,500-$13,500
Monica CarpenterBoard MemberPT$11,507-$11,507
Elizabeth BottnerVice PresidentPT$0--
Charles YarberrySecretaryPT$0--
Cody BairTreasurerPT$0--
Kane BrolinBoard MemberPT$0--
Marty SoboBoard MemberPT$0--
Filing and Contact Details

Filer

Filer Name
Penny Forward Inc
EIN
87-2376924
Address
202 N CEDAR AVE STE 1, OWATONNA, MN 55060

Signing Officer

Name
Christopher Peterson
Title
President and CEO
Phone
8883325558
Signed
2025-11-15
Supplemental Narrative

Additional Explanations

Part I, line 8

“| Other Revenues:, Amount:| Other Income, $943|”

Part I, line 16

“| Other Expenses:, Amount:| Bank Fees, $612| Continuing Education, $7434| Expensed Software, $4765| Expensed YNAB Subscriptions, $2100| Insurance Expense, $4747| Interest Expense, $4247| Legal Fees, $29| Meals and Entertainment, $192| Membership Fees, $1715| Misc. Expense, $35| Mobile App Expense, $5435| Office Supplies, $388| Taxes and Licenses, $225| Travel Expense, $11435|”

Part II, line 24

“| Explanation:, BOYAmount:, EOYAmount:| Other assets, $2963, $45892|”

Part II, line 26

“| Explanation:, BOYAmount:, EOYAmount:| Other Liabilities, $6028, $7935|”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/PrimaryExemptPurposeTxt0Penny Forward is a 501C3 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.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0| Other Revenues:, Amount:| Other Income, $943|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1| Other Expenses:, Amount:| Bank Fees, $612| Continuing Education, $7434| Expensed Software, $4765| Expensed YNAB Subscriptions, $2100| Insurance Expense, $4747| Interest Expense, $4247| Legal Fees, $29| Meals and Entertainment, $192| Membership Fees, $1715| Misc. Expense, $35| Mobile App Expense, $5435| Office Supplies, $388| Taxes and Licenses, $225| Travel Expense, $11435|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2| Explanation:, BOYAmount:, EOYAmount:| Other assets, $2963, $45892|
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3| Explanation:, BOYAmount:, EOYAmount:| Other Liabilities, $6028, $7935|
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Christopher Peterson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President and CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08883325558
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Penny Forward Inc
ReturnHeader/Filer/BusinessNameControlTxt0PENN
ReturnHeader/Filer/EIN0872376924
ReturnHeader/Filer/ForeignPhoneNum09706736998
ReturnHeader/Filer/USAddress/AddressLine1Txt0202 N CEDAR AVE STE 1
ReturnHeader/Filer/USAddress/CityNm0OWATONNA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055060
ReturnHeader/ReturnTs02025-11-15T12:02:59-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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