AI bookkeeping that lives
on your computer.
Neo-Capital imports your business and personal bank statements, categorizes every transaction automatically, and surfaces every tax deduction — all running locally on your Windows or Mac.
Windows + macOS · One-time payment · 30-day money-back · Capped at the first 500 founder customers
Every page does one job, well.
12 surfaces covering import, books, reports, and tax. Click a tab to jump, or let it cycle.
Your AI subscription powers the bookkeeping.
Neo-Capital exposes itself as a Model Context Protocol server. Connect Claude Code, Claude Desktop, Codex CLI, or any MCP-capable AI — they get full read/write access to your books while you chat in their native window.
We never proxy AI cycles. We never see your conversation. You use your existing AI subscription to power Neo-Capital costing you no additional fees.
Claude Desktop
Paste-this-prompt setup. Claude edits its own config; you restart and you're connected.
Claude Code
Copy the one-line CLI command. Run once. Available in every Claude Code session forever.
Codex CLI
Same paste-this-prompt flow for OpenAI's CLI. Writes to ~/.codex/config.toml on its own.
API key in-app
Prefer a built-in chat? Paste an Anthropic key. Stored in OS Keychain — never our server.
From install to insight in 5 minutes.
Install in 30 seconds
Download Neo-Capital-Setup.exe (Windows) or .app (Mac). Walk through a normal install wizard. No Python, no terminal, no admin password required. Default install location is per-user.
Drop your statements
Drag CSV / PDF bank statements onto the matching account. Neo-Capital parses, dedupes, and auto-categorizes via 39+ built-in rules. Most rows clear without you touching them.
See your books
P&L, deductions, cash flow, vendor concentration, year-over-year. All live, all real, all rendered from your own machine.
Connect your assistant
Wire up Claude, Codex, or any MCP-capable AI. Ask it to categorize expenses, build your yearly P&L, surface 1099 candidates, hunt missed deductions, or audit your books. Your AI subscription, your data — we never see the conversation.
Drop in a CSV. Watch your books appear.
This is what the import flow looks like — categorization, deduction flagging, instant P&L. Running entirely on your machine.
Built for the way solo businesses actually run.
One desktop app. Everything from import to year-end CPA hand-off. Industry-specific defaults for tradesmen, agencies, e-commerce, creators, and freelancers.
Personal & business together
Run your business books and personal finances inside one app. Every transaction tagged business or personal, every report filterable by scope, one backup that covers both. No second subscription, no second login, no jumping between tools.
Auto-categorize 80%+ of imports
Drop a CSV or PDF in. Built-in rules know FACEBK, GOOGLE ADS, USPS, every major credit card payment. The first pass categorizes most rows automatically; you review the rest.
Tax deduction finder
Total deductions tile + per-category breakdown + an inconsistency banner that bulk-fixes any transaction whose category should be deductible but isn't flagged. Real money you were leaving on the table.
CPA-quality reports
P&L, Year-over-Year with biggest movers, Cash Flow Statement (operating / investing / financing), Vendor Concentration with risk scoring, Forecast, Balance Sheet, Budget vs Actual.
Mileage tracker
Every business mile is a tax deduction at the IRS standard rate (~$0.70/mi for 2025). Plumbers, contractors, and sales reps can claim thousands. Log a trip in 5 seconds, get the deduction at year end.
Job / project tracking
Tag transactions and mileage to a job. See per-project profit at a glance — what did the Smith bathroom remodel actually net? Required for tradesmen, useful for everyone.
Quarterly tax estimator
YTD net × your effective rate, sliced into the four IRS quarterly deadlines (Apr 15 / Jun 15 / Sep 15 / Jan 15). Skipping these costs ~8% APR in penalties — most small-biz owners blow this.
Recurring transactions
Set up rent, insurance, retainers once — they materialize automatically on the right dates. Skip the manual entry every month. Fully reversible if you stop the subscription.
Budget vs actual
Set monthly category budgets (or auto-suggest from 6-month average). Traffic-light bars show where you're tracking — green ≤ 80%, amber 80–100%, red over budget.
Split transactions
One $400 Costco run = $250 office supplies + $150 personal groceries. Splits flow through to P&L and reports. The transaction stays as one row in the ledger; the categorization gets sliced.
1099-NEC ready
Auto-flags every contractor paid ≥$600 in the year, grouped by extracted payee across ACH / PayPal / wire / Zelle. Year-end CPA package CSV export takes one click.
Sales tax reconciliation
Drop in your Shopify / Amazon / Woo CSVs. Neo-Capital tracks economic-nexus thresholds across all 51 states AND reconciles tax collected from customers against tax actually filed. Catches both directions of error.
One-click backups
Save a labeled snapshot before risky operations. Load any prior snapshot — Neo-Capital auto-saves a fresh safety copy first, so you can always undo. All local, all yours.
Accountant share package
One button. ZIP with year P&L, balance sheet, full transaction ledger, 1099 candidates, mileage log, and everything in your documents folder. Your CPA opens it and has every number they asked for.
Local-first, encrypted credentials
Books live in one SQLite file on your machine. Anthropic API keys go to Windows Credential Manager / macOS Keychain — never plain-text. Backups are explicit, encryption-ready.
Neo-Capital vs QuickBooks Self-Employed
Different tools for different priorities. Here's the truth — both directions. Pick the one that matches how you want to work.
QuickBooks does some things we don't — bank-feeds and a polished mobile app, mostly. If those are core to your workflow, QB is the right tool. If you want to own your data and pay once, you're in the right place.
Hi, I'm River.
I run Vapor95, an indie clothing brand I started in 2016. After ten years of fighting QuickBooks subscriptions, various accountants, and complex financial reports all while managing Vapor95's operations, I built Neo-Capital for myself.
It runs locally on my computer. It costs me nothing per month. And most of all I can use my AI subscriptions for full transparency and insights into my accounts in ways I could have never dreamed. Now I'm shipping it to anyone else tired of the same fight and ready to take full command of their finances.
Pay once. Own forever.
Local-first means no server costs on our side, which means you don't pay a monthly subscription on yours. QuickBooks Self-Employed charges $240/yr. Other accounting subscriptions run $200–$400 a year, every year. Neo-Capital charges once.
Capped at the first 500 customers. Goes up after that.
Get Neo-Capital — $49- Auto-import + AI categorization on bank statements (CSV / PDF)
- Review queue with save-as-rule
- P&L · Cash flow · Year-over-year · Vendor concentration · Balance sheet
- Tax: deduction finder, quarterly estimator, equipment depreciation
- 1099-NEC contractor surfacing + accountant share package
- Job tracker, mileage log (IRS rates), recurring transactions, budgets
- Bring your own AI — Claude, Codex, or any MCP-capable assistant
- 33 ready-to-paste prompt templates
- Local-first: SQLite on your machine, no cloud server, no telemetry
- Mac + Windows native builds
- Lifetime updates, no subscription, no expiring license
30-day refund, no questions asked. License key delivered via email seconds after checkout. One key, every machine you own.
Questions, answered.
Still have questions? Email river@vapor95.com.
Ready in 30 seconds.
Three steps. No subscription, no account on our end, no waiting list. You own a copy of Neo-Capital that runs locally forever.
Check out securely
$49 one-time, founder pricing. Stripe checkout — pay with card, Apple Pay, Google Pay, or Link. No account to create.
Get an email
Your license key + download links for Windows and macOS land in your inbox seconds later. Comes from river@vapor95.com.
Install + activate
Run the installer, paste your key, you're in. Same key works on every machine you own.
Windows 10+ · macOS 12+ · 30-day money-back · Capped at the first 500 founder customers
First-launch SmartScreen warning is normal for unsigned apps — click More info → Run anyway. Code-signing cert ships once we cross 100 customers.