Own your books. Own your software.
Local-first accounting you buy once and keep forever. One real double-entry ledger, three editions — from simple, plain-English bookkeeping for you and your small business, up to a full accountant's cockpit and unlimited client books. No subscriptions. No cloud lock-in. Your financial data never leaves your machine.
Windows + macOS · One-time payment · 30-day money-back · No subscription, ever
Pick the one built for you.
Start simple for personal and small-business books, open the full accountant toolkit, or run a whole client roster. Same real double-entry engine, same own-it-forever foundation — upgrade anytime by entering a key.
Basic
For personal use & small businesses
Real double-entry books, without the double-entry. Tag what each transaction was and we post the balanced entry behind the scenes — with personal and business money in one app, tax-ready, no monthly bill.
- Bank sync + auto-categorization
- Deduction finder + quarterly taxes
- Personal / business in one switch
- P&L · Cash flow · Schedule C
Pro
For businesses & professionals
The full accountant cockpit on those same books — chart of accounts, journal entries, A/R & A/P, QuickBooks import, period close, and every financial statement, on cash or accrual.
- Full double-entry control + GL
- A/R, A/P, invoicing & bills
- Imports from QuickBooks
- Balance sheet, trial balance, cash flow
Firm
For accountants & bookkeepers
Everything in Pro with unlimited business seats — one license for every client's books. Switch between companies in a click; no per-client subscription, ever.
- Everything in Pro
- Unlimited businesses / client files
- One license, every client's books
- Accountant's Copy round-trip
Everything in Basic, and then some.
Each edition is a superset of the one before — same books, more of the cockpit unlocked. Upgrade any time by entering a new key; nothing to migrate.
One download, one ledger. Your license key decides how much is unlocked — upgrade from Basic to Pro to Firm any time without re-entering a thing.
Built for three kinds of people.
The table shows what each edition unlocks. Here's the simpler question — who each one is for.
Basic
For individuals & small businesses
Basic is for the person who just wants their money handled — personal budget and business books in one place, no accounting degree required. Sync your bank, let transactions categorize themselves, and switch between your personal, business, or combined view in a tap. Every deduction gets surfaced and your quarterly taxes are estimated for you, so tax season stops being a scramble.
Best for: Your personal finances plus a side hustle or one-person business.
Explore BasicPro
For businesses doing real accounting
Pro opens the full accountant's cockpit on those same books — the real general ledger, journal entries, A/R & A/P, bank reconciliation, period close, and every financial statement on cash or accrual. Import your QuickBooks file and pick up right where you left off.
Best for: A business that wants genuine double-entry accounting it owns outright.
Explore ProFirm
For accounting firms with multiple clients
Firm is Pro with the doors thrown open: unlimited separate businesses on a single license. Keep every client's books completely separate, switch between them in a click, and never pay a per-seat or per-client subscription again. Hand a client their Accountant's Copy, let them work in it, then import it back over the original — a safe, no-duplicate round-trip. The whole practice, on your machine, for one price.
Best for: A bookkeeping or accounting practice carrying a roster of clients.
Explore FirmSame real ledger. Nothing to outgrow.
You never migrate between editions. It's one download running one CPA-grade double-entry engine — your license key just decides how much of the cockpit is showing.
The same CPA-grade engine
Basic, Pro, and Firm all post to one tested, CPA-grade double-entry ledger. The numbers tie to the cent across every edition — Basic just hides the accountant cockpit and shows you a friendly view of the very same books.
One download. Upgrade with a key.
Every edition is the same app. Your license key decides what's unlocked — so upgrading is just entering a new key. Nothing to reinstall, export, or migrate. Flip from Basic to Pro to Firm anytime and your books are already there.
Own it forever
One purchase. No subscription, no forced upgrades, no expiring license. Stop paying anyone anything and you keep every feature, on every machine you own.
The accounting software you actually own.
Your data stays yours
Local-first by design. Your books are a single file on your computer — no cloud server reading your financials, no vendor lock-in, no telemetry. Backups are explicit and yours.
Bring your own AI
A bonus, never a requirement: connect any MCP-compatible assistant — Claude, Gemini, Codex — and let it work your books. You own the software; you choose the intelligence layer.
Tax-ready, audit-grade
Every edition keeps append-only, hash-chained books a CPA can open without translating a thing. Lock filed periods, export a clean hand-off package, and trust the trail.
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 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 accounting software.
One purchase. Lifetime ownership. Pick the edition that fits today — and upgrade with a key the day you need more.