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Neo-Capital is double-entry accounting software for small businesses and their accountants. It has three tiers (Basic, Pro and Firm), and each one is available two ways. Online is a monthly subscription that runs in your browser. Desktop is a one-time purchase, and your books are stored in a file on your own computer.

No. Neo-Capital is accounting software. Your ledger, reports, reconciliations and tax figures are calculated by the program's own accounting engine, the same way every time, and no AI is involved in any of them. AI is an optional extra for people who want it: Neo-Capital AI is a paid add-on, or you can connect an AI provider of your own. If you use it, the assistant can answer questions about your books and suggest changes, but it changes nothing until you approve it, and anything it changes can be undone. Nothing is sent to an AI model unless you ask for it. If you would rather not have AI at all, turn off AI features under What you use in the settings menu, and the program will not offer it anywhere.

Online runs in any browser with nothing to install, and it includes bank feeds, the mobile app and users for your team. Desktop is a one-time purchase that works fully offline. If you want online access later, you can add Connected, an optional subscription that starts at $15 a month. Both use the same accounting engine and the same tiers.

On Desktop, your books are stored in a folder on your computer, and nothing is uploaded unless you turn on Connected. On Online, your books are encrypted when they are stored. They are decrypted only while you are signed in, in a temporary workspace that belongs to your session.

On Online, and on Desktop with Connected, bank feeds come through Plaid and are included: 3 bank connections on Basic, 10 on Pro, 30 on Firm. On Desktop without Connected you can sync through SimpleFIN, an open, read-only bridge you pay directly (about $15 a year), or simply import the CSV, OFX/QFX or PDF statements you already download. You never have to connect a bank at all.

Basic covers everyday bookkeeping in plain language, including bank feeds, bank reconciliation, invoices and estimates, bills, receipts, deductions, quarterly tax estimates and the main reports. It includes 1 business, with you plus 1 additional user. Pro adds full double-entry accounting tools, including accrual reports, account numbers, registers, the general ledger, period close, inventory, classes and time tracking. It includes 2 businesses, each with you plus 3 additional users. Firm includes everything in Pro, with unlimited businesses and users, and lets you publish dashboards to clients.

Connected is an optional subscription for Desktop owners. It costs $15 a month on Basic, $22 on Pro and $35 on Firm. You can also pay yearly: $150, $220 or $350 a year, which is two months free. It syncs your books between your computers with end-to-end encryption, and it lets you open them in a web browser and the mobile app. When you use the browser or the mobile app, your books are decrypted for that session, the same way as Online. Connected also includes bank feeds, email sending, and users with their own roles, and the people you invite do not need their own subscription. It is separate from your one-time license, and the desktop program never requires it.

Yes. Our QuickBooks import brings over your chart of accounts, customers, vendors, items and transaction history.

Yes. The desktop app ships for both Windows and macOS, and Online runs in any modern browser.