Accounting software that puts the power in your hands
Neo-Capital is a complete accounting platform offered two ways: Neo-Capital Online, the full suite in any browser from $19/month, and Neo-Capital Desktop, a program you buy once from $49 and own forever. Connect your bank, review what comes in, and your reports build themselves.
14 days free on Online, 5-day trial on Desktop, no card either way · 30-day money-back on everything
In the cloud, or on your machine
Neo-Capital is offered as both a cloud platform and a desktop program. Same engine, same features, same three editions. The only decision is where your books live and how you'd rather pay.
Neo-Capital Online
The full accounting suite in a browser, on any machine. Nothing to install, nothing to maintain.
14 days free, no card
Pick this if
- You want to sign in from any machine, or a Chromebook or iPad
- You want nothing to install and nothing to maintain
- You want your bookkeeper or your team in the same live books
- You're leaving QuickBooks or Xero and want the bill cut in half
Includes the mobile app, bank feeds we pay for, and every add-on the platform offers.
Explore OnlineNeo-Capital Desktop
Buy it once and own it forever. Your books live on your machine and answer to nobody.
Yours forever. No renewal, ever.
Pick this if
- You'd rather buy software once than subscribe to it
- You want your financials on your own disk, under your own control
- You decide exactly how much of it connects to the cloud
- You're done with prices that go up every year
Add the optional Connected subscription any time to unlock the full cloud platform from the software you own.
Explore DesktopOwn the software. Choose the cloud.
Neo-Capital Desktop is a complete accounting system the moment it installs: the whole engine and every report, running privately on your machine, forever. When you want more reach, the optional Connected subscription unlocks the full power of the Neo-Capital cloud platform from the copy you already own.
Automatic bank feeds
Banks link in a minute and transactions flow in on their own. No developer account, no per-bank bill.
Your books in any browser
Sign in from any machine and the full platform is there, the same as Online, at the owner's rate.
Every machine, one set of books
Desk, laptop, office: the same books everywhere, synced end-to-end encrypted.
Workspaces & roles
Invite your accountant, staff, or a crew, with roles deciding who may post, close, or only look.
The mobile app
Dashboards, expense capture, and mileage from your phone, synced to the books you own.
The email system
Invoices, reminders, and scheduled reports sent for you, with no mail service to configure.
Connected is priced by the edition you own: $15 a month on Basic, $22 on Pro, $35 on Firm. It also opens the add-on shelf, with Neo-Capital AI and Neo-Capital Ads each available as their own subscription, sized to what you use.
Prefer to stay fully independent? Every one of these has a bring-your-own door: your own bank-feed key, your own SMTP, your own AI subscription. Desktop never forces the cloud on you. You decide how connected it gets, and you can change your mind in either direction.
From first sync to real reports, the same day
Bookkeeping in Neo-Capital is a review job, not a data-entry job. Watch it happen:
Chase
Bank of America
Wells Fargo
Capital One
Citi
American Express
U.S. Bank
PNCPick a tier, then pick where it runs
Basic, Pro, and Firm mean the same thing on both platforms. Pro is Pro whether you subscribe to it in a browser or own it on your desk.
Basic
Bookkeeping without the vocabulary
Everything one business needs. Bank sync, automatic categorization, deduction finding, quarterly tax estimates, and the core reports, with the accounting vocabulary kept out of your way.
Pro
The whole accountant's cockpit
The whole accountant's cockpit. The full ledger out in the open: journal entries, A/R and A/P, reconciliation, period close, every statement, and a QuickBooks migration path.
Firm
Your whole client roster
Your whole client roster. Everything in Pro across every client file, switching between books in a click, plus dashboards you can publish to each client.
Powerful where it actually counts
Neo-Capital covers the everyday work, and the edge cases that usually mean buying add-ons somewhere else.
Email that runs itself
Invoices, payment reminders, statements, and scheduled reports go out under your business name, on the schedule you set. Use Neo-Capital's sending or plug in your own SMTP.
Get paid on the invoice
Every invoice you send can carry a pay button. Card payments land, then reconcile themselves into the ledger with fees itemized. No re-keying, no matching exercise later.
Time tracking built in
Track hours by client or job and pull them straight onto an invoice. No third-party timer, no spreadsheet, no export dance at the end of the month.
Sales tax nexus, watched
Neo-Capital tracks your sales against economic-nexus thresholds in 51 jurisdictions and tells you when a state starts expecting a return, before that state tells you.
Your stack, connected
Shopify, Stripe, Square, PayPal, and Gusto plug in alongside your bank feeds, so revenue, fees, and payroll arrive itemized instead of as mystery deposits.
Dashboards for your clients
Firms can publish a read-only dashboard to each client: their live numbers on a clean page, with nobody wandering through your working ledger.
Your books, wherever the work happens
The Neo-Capital mobile app puts the day-to-day in your pocket: check the dashboard over coffee, log an expense at the checkout, track the miles on the way to a job. Everything lands in the same books you open at your desk.
Included with every Neo-Capital Online plan, and with Desktop when Connected is on.
- A live dashboard with your cash flow drawn as a picture
- Log an expense or a sale in seconds, from anywhere
- Mileage logging that turns trips into deductions
- Works offline; entries sync when you're back on signal
- Locks behind Face ID or your fingerprint
As much AI as you want. None that you don't.
Neo-Capital doesn't wallpaper the interface with AI buttons. The books behave like books, and the intelligence sits one question away. When you do reach for it, it goes deeper than the copilots in the big-name suites, with your choice of who provides it.
Neo-Capital AI, on tap
An optional add-on subscription with tiers sized to how much you ask. No API key to find, no provider account to open: it already knows its way around your ledger, hunting deductions and explaining statements line by line.
Or bring your own
Connect Claude, ChatGPT, Gemini, or anything that speaks MCP, on the subscription you already pay for. Same questions, your choice of model, no markup from us.
Deep when you ask
The AI can read every account, journal, and report, so its answers cite your real numbers. That reach goes further than the copilots bolted onto the big-name suites.
Silent when you don't
No forced copilot in the corner, no sparkle buttons on every field. The books behave like books, and the intelligence waits until you ask for it.
Books more than one person can live in
Accounting is rarely a solo sport. Neo-Capital lets the right people into the books with roles that decide exactly what each of them may touch.
Invite your accountant
Your bookkeeper or CPA works in the same live books as you. No more emailing file versions back and forth and wondering which one is real.
Put your team to work
Staff log hours, snap receipts, and record expenses from their own phones, and it all lands in the ledger already attributed.
Roles that mean something
Five roles decide who may post entries, who may close a period, and who may only look. Access is granted deliberately, never by default.
Private by architecture, not by promise
Most accounting software asks you to trust a privacy policy. Neo-Capital is built so there's less to take on trust in the first place.
On Desktop, private by default
Your books are a file on your own disk. They open with the wifi off, no server ever sees them, and you choose which cloud features to switch on, if any.
In the cloud, encrypted under your key
Cloud books are encrypted under a key derived from your password. Our servers hold ciphertext, so your books are unreadable to us, and to anyone who might ask us for them.
You can always leave
Export everything, any time, in formats any accountant can open. Leave Online and we include a free Desktop Basic licence, so your history stays openable forever.
The full architecture is written up plainly on our security page.
Accounting, put back in your hands
Professional accounting used to mean an enterprise subscription and a consultant to set it up. Neo-Capital's premise is that the full power of a real ledger belongs to anyone willing to open it: the individual, the small business, and the firm serving hundreds of clients.
For individuals & freelancers
Schedule C, deduction hunting, mileage, and quarterly estimates handled without the vocabulary. You see what you made, what you owe, and what to set aside.
For small businesses
Invoices that collect their own payment, bank and commerce feeds that keep the books current, and real statements your lender or CPA will actually accept.
For CPAs & firms
Every client on one licence or one subscription, roles for your staff, one-click switching between books, and a dashboard you can publish to each client.
This is where accounting is headed.
In the cloud or on your machine, you get the whole engine, every report, and every exit. Start free today and see your own numbers by tonight.