Made for you and your business.
Whether it's a side hustle or a one-person business, Neo-Capital keeps your money in order without the spreadsheets. Sync your bank or drop in a statement, watch transactions sort themselves, and walk into tax season with your deductions already surfaced. Real double-entry books, in words you already use.
Windows + macOS · One-time payment · 30-day money-back · No subscription, ever
Every page does one job, well.
Basic is clean, plain-English bookkeeping, reports, and tax for one business (a real general ledger underneath).
Balanced books, without the bookkeeping.
Most “easy” accounting apps hand you a toy ledger you'll have to escape later. Neo-Capital keeps full, always-balanced books from day one, and simply hides the accountant's view until you want it. You tag; we keep the ledger.
You said what it was.
You import a −$150 card charge and tag it “Office Supplies.” That's all you do.
You never typed a debit or a credit. Transfers between your own accounts and customer payments are routed correctly too, so nothing gets double-counted as income.
No cash-vs-accrual headache
For the way you work, it's the same number. Cash and accrual only differ once you're sending invoices or entering bills, and that's exactly when Pro shows up with a toggle. Until then, your books just show you one honest answer.
- Always balanced, always yours
- Audit-ready books from day one
- Hand it to your CPA without translating a thing
Categories, not a chart of accounts.
Basic is the same engine and the same real ledger underneath, with the accounting language folded away. You sort money into categories you already understand; the double-entry happens where you never have to look at it.
Money in, money out
Income and spending in plain words, with the deductions flagged as they land.
What you owe
Quarterly tax estimates and a running deductions total, kept current as the year goes.
The reports that matter
Profit & Loss, Cash Flow, Year-over-Year and Schedule C, without a trial balance in sight.
Outgrow it and nothing moves: Pro opens the same books with the ledger showing. One engine. Two vocabularies. Zero spreadsheets at tax time.
Built for the way solo businesses actually run.
One desktop app, from import to year-end CPA hand-off, with sensible defaults for tradesmen, agencies, e-commerce, creators, and freelancers.
Automatic bank sync
Connect once through SimpleFIN (open, read-only) and new transactions pull in automatically, or drag in CSV/PDF statements. Your bank credentials never touch the app.
Auto-categorize 80%+
Built-in rules know FACEBK, GOOGLE ADS, USPS, every major card payment. Most rows categorize on the first pass; review the rest and bulk-fix a whole batch at once.
Sorted by what it was
Each transaction is categorized by what it actually was, not which card you swiped. A client lunch on a personal card is still a business expense, and a personal charge on the business card lands as an owner's draw so your books stay clean.
Tax deduction finder
A running deductions total, a per-category breakdown, and a banner that bulk-fixes any transaction that should be deductible but isn't flagged.
Clear reports
Profit & Loss, Cash Flow, Year-over-Year with biggest movers, and Budget vs Actual: the numbers you need to actually understand your money.
Quarterly tax estimator
Year-to-date net × your effective rate, split into the four IRS quarterly deadlines. The IRS underpayment penalty currently runs about 8% a year. The estimator keeps all four deadlines in front of you.
Mileage tracker
Every business mile is a deduction at the current IRS standard mileage rate. Log a trip in 5 seconds; the deductions add up fast.
Job & project tracking
Tag transactions and mileage to a job and see per-project profit at a glance: what did that remodel, gig, or campaign actually net?
Schedule C & 1099 ready
Income and expenses mapped to IRS Schedule C line numbers, plus auto-flagged contractors who cross the 1099-NEC reporting threshold. Transcribe the return in minutes or hand it to your CPA.
Get Paid: online invoice payments
Send a branded invoice and let customers pay by card on your own pay page. The payment posts straight into your books: marked paid, fees expensed. Included on every edition.
Budget vs actual
Set monthly category budgets (or auto-suggest from your 6-month average). Traffic-light bars show exactly where you're tracking.
One-click backups
Save a labeled snapshot before anything risky and restore any prior one. Neo-Capital auto-saves a fresh safety copy first. All local, all yours.
Local-first & private
Your books live in one file on your machine. Nothing syncs to a server, no telemetry, API keys stored in your OS keychain, never plain text.
From install to insight in 5 minutes.
Install in 30 seconds
Download Neo-Capital-Setup.exe (Windows) or Neo-Capital.dmg (Mac). Walk through a normal install wizard. No Python, no terminal, no admin password required. Default install location is per-user.
Sync or drop statements
Connect your bank once with SimpleFIN and new transactions sync in automatically, or drag CSV / PDF statements onto the matching account. Neo-Capital parses, dedupes, and auto-categorizes via 150+ 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 computed locally on your 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.
Close & hand off
Lock the filed year with an audit trail, then hand your CPA a clean ZIP: P&L, balance sheet, Schedule C worksheet, ledger, 1099 candidates, and mileage log, CSV-formatted for any tax software. Pick any date range to export quarterly or per-client.
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.
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 the AI subscription you already have, with no added fees from us.
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 a key from Anthropic, OpenAI, or Google. Stored in your OS Keychain, never our server.
Neo-Capital vs QuickBooks Solopreneur
Different tools for different priorities. Both directions, including where QuickBooks wins. Pick the one that matches how you want to work.
Stop paying every year for the basics.
QuickBooks Solopreneur is ~$20/month: $240 every year, forever. Neo-Capital Basic is a single $49.
Everything above, owned forever, working on every machine you own.
- Bank sync + AI categorization
- Deduction finder + quarterly taxes
- Mileage, jobs, budgets, 1099
- P&L · Cash flow · Year-over-year
- Schedule C + CPA share package
- Local-first · Mac + Windows · lifetime updates
You'll never outgrow your own books.
Because Basic and Pro are the same ledger, there's nothing to migrate when you're ready for invoicing, A/R & A/P, a real balance sheet, or a clean CPA hand-off. Just enter a Pro key. The journal entries and chart of accounts were being built quietly the whole time.
Explore Neo-Capital ProQuestions, answered.
Still have questions? Email help@neocapital.app.
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
One-time payment. 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 keys@neocapital.app.
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 · No subscription, ever
Current release: v3.0.4 · Updated July 2026
First-launch SmartScreen warning is normal for unsigned apps. Click More info → Run anyway. A code-signing certificate is on our near-term roadmap. (The macOS build is already signed & Apple-notarized.)