Accounting software that's actually yours
One double-entry engine, two ways to run it. Subscribe to Neo-Capital Online from $19/month and work in a browser, or buy Neo-Capital Desktop once from $49 and own it forever. Either way, nobody holds your books hostage — including us.
14 days free on Online, 5-day trial on Desktop — no card either way · 30-day money-back on everything
Rent it, or own it
Not a good plan and a bad plan — two honest answers to the same question. Here's how to tell which is yours.
Neo-Capital Online
The full accounting suite in a browser, on any machine — nothing to install and nothing to maintain.
14 days free, no card
Pick this if
- You'd rather not install anything
- You work across several machines, or a Chromebook or iPad
- You want your bookkeeper in the same books as you
- You're leaving QuickBooks or Xero and want the bill halved
Neo-Capital Desktop
Buy it once and own it forever. Your books live on your machine and answer to nobody.
Pick this if
- You'd rather buy software than rent it
- You want your financials on your own disk, full stop
- You're happy on one or two machines you control
- You're done with prices that go up every year
The honest arithmetic
Desktop Pro is $249 once. Online Pro is $39 a month. They break even at about 6 months — after which owning it costs you nothing and subscribing keeps costing $39.
We're putting that on our own homepage because it's true and you'd work it out anyway. Subscribe if you want the browser, the multi-user access and no machine to maintain. Buy it if you want it to stop being a bill. Own a copy and want it synced everywhere too? Add Connected to a Desktop licence for $12 a month.
What doesn't change
Whichever you pick, these aren't upsells and they aren't roadmap.
One engine, both ways
Online and Desktop run the identical double-entry ledger. Same postings, same statements, same numbers to the cent — the only question is where it runs and how you pay for it.
Your books answer to you
On Desktop they're a file on your machine that no server ever sees. Online, they're stored encrypted under a key derived from your password, unreadable to us the moment you sign out.
Bring your own AI
Connect any MCP-compatible assistant — Claude, Gemini, Codex — with your own key. You own the software and you choose the intelligence layer. Never a mandatory upsell.
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 — 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.
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.
Stop renting your own financial history.
Whichever way you go, you can leave with everything. That's the whole idea.