Own your books. Own your software.
Local-first accounting you buy once and keep forever. One 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.
Free 5-day trial (full Pro, no card) · Windows + macOS · One-time payment · 30-day money-back
Pick the one built for you.
Start simple with a small business’s books, open the full accountant toolkit, or run a whole client roster. Same accounting engine, same own-it-forever foundation. Upgrade anytime by entering a key.
Basic
For small businesses
Real books, without the busywork. Tag what each transaction was and we post the balanced entry behind the scenes: tax-ready, no monthly bill, and no accounting vocabulary to learn.
- Bank sync + auto-categorization
- Deduction finder + quarterly taxes
- Plain English, not a chart of accounts
- 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 journal-level 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.
* Get Paid connects your own Stripe. A small per-transaction fee applies. † Connected is an optional cloud subscription priced by your edition ($15/$22/$35 per month on Basic/Pro/Firm); everything else is a one-time purchase.
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, with no accounting degree required. Sync your bank, let transactions categorize themselves, and read your books in plain English: categories rather than a chart of accounts. Every deduction gets surfaced and your quarterly taxes are estimated for you, so tax season stops being a scramble.
Best for: A side hustle or a one-person business.
Explore BasicPro
For businesses doing real accounting
Pro opens the full accountant's cockpit on those same books: the 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 real accounting it owns outright.
Explore ProFirm
For accounting firms with multiple clients
Firm is Pro with the seat limit removed: 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 FirmOne ledger. Nothing to outgrow.
You never migrate between editions. It's one download running one accounting engine. Your license key just decides how much of the cockpit is showing.
One engine, every edition
Basic, Pro, and Firm all post to a single general 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-ready
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.
Everything runs on your machine. The cloud is yours to switch on.
Neo-Capital Desktop is a complete accounting system before it talks to us at all, and where a feature needs an outside service you can bring your own key and pay us nothing for it. When you want the whole cloud platform, Connected switches it on: everything Neo-Capital Online can do, at the owner's rate, from the software you already own.
Desktop Included, forever | + Connected From $15/mo · by edition | Online From $19/mo | |
|---|---|---|---|
The whole accounting engine Ledger, A/R, A/P, reconciliation, close, every statement. Nothing is held back on any of them. | |||
Your books live on your own machine A local file you can back up, copy or walk away with. It works with the wifi off. | |||
Shopify, Stripe, Square, PayPal, Gusto Your own credentials, pasted once. Identical everywhere; these never needed us. | |||
Bank feeds on a key you bring Your own Plaid developer key, or SimpleFIN for about $15 a year. CSV and PDF import regardless. | |||
Email with your own key Add your own Resend key (free on their tier) and invoices go out under your name. | |||
AI on your machine, via MCP Claude Desktop, Claude Code or Codex CLI talk to the app locally. Nothing leaves the machine. | |||
Bank feeds we pay for Link a bank with no developer account and no per-bank bill. The Plaid fee is ours. | |||
The same books on every machine you own Synced end-to-end encrypted; our servers hold ciphertext and everyone keeps a full local copy. | |||
Workspaces: other people in the books Invite an accountant, staff or a site crew, with roles deciding who may post, close or only look. | |||
Open your books in a browser Sign in from any machine and the full platform is there. Nothing to install. | |||
The mobile app Dashboard, expense capture, mileage and offline entry from your phone, synced to the same books. | |||
Email sending included Invoices, reminders and scheduled reports sent for you, up to 2,000 a month, no key to configure. | |||
Neo-Capital AI and Neo-Capital Ads add-ons Each its own subscription, sized to what you use, available on any Connected or Online account. | |||
claude.ai and ChatGPT reaching your books An outside AI connecting in over the web, read-only, approved by you on a consent screen. |
Connected: the full cloud, at the owner's rate
You already bought the software, so you only pay for the service: $15/month on Basic, $22 on Pro, $35on Firm. That is everything Neo-Capital Online can do (the browser, the mobile app, bank feeds we pay for, your team in the books) with one difference Online can't offer: your books still live on your own machine, synced end-to-end encrypted so our servers hold ciphertext and nothing else. Cancel any time; the app and your books stay yours.
Online: nothing to install, nothing up front
The same platform with no licence to buy: our servers run the engine and you open it in a browser, from $19/month. It is one account either way, and the account runs in both directions. Subscribe to Online today, buy Desktop later, and your subscription simply drops to the owner's rate for the edition you bought.
See Neo-Capital OnlineThe features that need a service take yours
Plenty of products hold a feature hostage because it touches somebody else's API. We'd rather hand you the socket: paste a key you own and the feature is simply on, with nothing owed to us and no cap we invented. All of this works on a desktop install that has never subscribed to anything.
Bank feeds
Bring a Plaid developer key, or SimpleFIN for around $15 a year, whichever reaches your bank (a book can run both). Statements import from CSV and PDF either way.
Your own AI
Neo-Capital runs an MCP server on your machine. Point Claude Desktop, Claude Code or Codex CLI at it and ask real questions of your books on the subscription you already pay for, and nothing leaves the machine to do it.
Sending email
Add your own Resend API key and invoices, reminders and statements go out under your business name, with replies coming back to you. Their free tier covers an ordinary month of invoicing.
Every commerce connector
Shopify, Stripe, Square, PayPal and Gusto all take credentials you already have. None of them is gated, priced or throttled by us.
You use two computers
A desktop and a laptop, or the office and home. Without Connected those are two unrelated sets of books that both think they're right.
Somebody else touches the books
A bookkeeper, a partner, a crew logging hours from a phone. Five roles decide who may post entries, who may close a period, and who may only look.
You're not always at your desk
The mobile app and the browser go where you go: check the dashboard from a job site, log an expense in line at the store, open the full books from any machine you happen to be at.
Connected is available on every edition and always matches the licence you own: $15/mo on Basic, $22/mo on Pro, $35/mo on Firm, with the same included bank connections as Online (3, 10, and 30). Cancel any time; your books are already on your machine, so stopping it takes nothing away.
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.
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.