Bookkeeping without the vocabulary
Connect your bank, and your books keep themselves. Transactions arrive sorted, deductions get flagged as they happen, and what you owe in tax stops being a question you answer in April. Proper double-entry accounting underneath — you just never have to look at it.
14 days free, no card · then $19/month, or $190/year · For one business, run by one person
Every page does one job, well.
Clean, plain-English bookkeeping, reports and tax for one business — with a real double-entry ledger doing the work underneath.
Everything in Basic
Everything one business needs, in a browser. Connect your bank and the books keep themselves — sorted, deductions flagged, tax estimated as you go.
Bank feeds that learn
Connect your accounts and transactions arrive already categorized. Fix one and the rule sticks, retroactively, across every match.
Unlimited invoicing
Send as many branded invoices as you like — no monthly cap — and see at a glance who has paid and who hasn't.
Get paid on the invoice
Take card payment right on the invoice. It reconciles itself into your books with nothing to re-key.
Tax as you go
Deductions flagged the moment they appear, quarterly estimates kept current, and a Schedule C that's ready when you are.
The reports that matter
Profit & loss, cash flow, and a simplified balance sheet — in language you don't need a bookkeeping course to read.
Personal and business
Keep both in one place and switch views, without one contaminating the other at tax time.
From nothing to real books, this afternoon
No implementation project, no consultant, no chart of accounts to design before you can record a single sale.
Sign in and you're in
No download, no licence key, no setup call. Your books open in whatever browser you happen to be sitting at — your laptop, the office desktop, a tablet on the train.
Bring your money in
Connect your bank and cards and let transactions flow in on their own, or drag in CSV and PDF statements. Moving from QuickBooks? Bring the whole file across, history intact.
It sorts itself out
Transactions arrive already categorized. Correct one and it remembers — the rule applies to every similar transaction from then on, including the ones already imported.
Read your business
P&L, cash flow, balance sheet, and a running estimate of what you'll owe in tax. Deductions you'd have missed get flagged as they appear, not next April.
Bring in your people
Invite a bookkeeper, an accountant, or your team into the same books, with roles that decide who can post entries and who can only look.
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. Held only for your session, never written to our disks.
Neo-Capital Online Basic
or $190/year — two months free
- Unlimited invoices & transactions
- Bank sync that learns your categories
- Deduction finder + quarterly tax estimates
- P&L, cash flow & Schedule C
No card to start. 30-day money back after that, and if you ever cancel we hand you your books plus a free Desktop Basic licence.
When you outgrow it
Basic covers one business and one person. Add a second business, bring in a bookkeeper, or want the general ledger, A/P and reconciliation in the open — that's Pro, one click away, with your books already there.
See Online Pro14 days free
No card to start. Long enough to connect a bank, import your history and see it actually working.
30-day money-back
If you do pay and it isn't right, email me and you're refunded. No forms, no retention queue.
No contract
Month to month. Change plan or stop whenever — nothing to cancel through a phone call.
Leave with your books
Cancel and you get a full export plus a free Desktop Basic licence, so you can keep opening them forever.
Your financials, stored so we can't read them
Your books are held as ciphertext, encrypted under a key derived in your browser from a password we never receive. Sign out and what remains on our side is unreadable to us. If you forget the password, a one-time recovery code you saved at signup gets you back in — we can't do it for you, which is rather the point.
The honest caveat: while you're signed in and working, the engine has to hold your key in memory to compute anything at all. So this is zero-knowledge at rest, not end-to-end in every instant. If you want the version where no key ever touches our infrastructure, that's Desktop with Connected sync.
Compare with DesktopWhere the pricing sits
If you're weighing this against what you're paying now: Online Pro is $39/month, and it isn't an introductory rate that steps up later.
| Neo-Capital Online | QuickBooks Online | Xero | |
|---|---|---|---|
| Entry plan, per month | $19 | $38 | $25 |
| Small-business plan, per month | $39 | $75 | $55 |
| Practice / top plan, per month | $99 | $275 | $90 |
| Unlimited invoices on the entry plan | |||
| Unlimited bills on the entry plan | |||
| Multiple businesses on one subscription | 3–10+ | ||
| Books encrypted so the vendor can't read them | |||
| A desktop version you can buy outright | |||
| Keep working in your books after you cancel |
Competitor pricing is US list as published in July 2026 and excludes introductory discounts. Xero's entry plan caps invoices and bills per month; ours doesn't.
The things people actually ask
How does the free trial work?
Every plan starts with 14 days free and no card. You get the whole plan, not a crippled demo — connect a bank, import your history, invoice someone, run the reports. If you don't subscribe at the end, nothing is charged and your books are still yours to export.
Is this real double-entry accounting, or a simplified web app?
Real, and it's the same engine our desktop app runs — not a reduced web build. Every transaction posts a balanced journal entry, the trial balance always ties, and entries are never destroyed: corrections reverse and the history stays intact. An accountant can work in it without translating anything.
What if I don't know accounting?
Then you never have to see it. Basic keeps the ledger under the hood and shows you plain-English views — what came in, what went out, what you can deduct, what you'll owe. The double-entry books are being kept correctly the whole time, ready for the day you or your accountant want them.
Can I move over from QuickBooks?
Yes — accounts, customers, vendors, and transaction history come across, so you're not starting from an empty file in the middle of a tax year. Bank and card statements import from CSV or PDF too.
Which reports do I get?
Profit & loss, balance sheet, cash flow, trial balance, general ledger, A/R and A/P ageing, and Schedule C — on cash or accrual, as of any date. Plus 1099 contractor tracking and sales-tax nexus across 51 jurisdictions.
Can my accountant get in?
On Pro and Firm, yes — invite them into the same books with a role that fits, whether that's full posting rights or view-only. No exporting files back and forth, no 'which version is current'.
Do you use my data to train anything, or sell it?
No. We also can't: your books are stored encrypted under a key derived from your password, so once you sign out they're unreadable to us. There's more detail on exactly how that works, and where its limits are, further down this page.
What happens if I cancel?
You get a full export of your books plus a free Neo-Capital Desktop Basic licence, so you can keep opening them on your own machine forever. We'd rather earn a renewal than hold your accounts hostage.
Can I switch plans later?
Any time, in either direction. Add a business file to Basic or Pro whenever you need one; hit ten files and you move to Firm automatically, which costs less than the tenth file would have on Pro.
Basic not quite right?
Pro
$39/month3 businesses
The whole accountant's cockpit
Firm
$99/month10 client files
Your whole client roster
Prefer to own it outright instead of subscribing? Neo-Capital Desktop is a one-time purchase.