Neo-Capital

Neo-Capital pricing

Desktop is a program you buy once and install on your computer. Your books are saved on your computer. If you later want online access, included bank feeds or other users, you can add Connected.

Basic

Simple bookkeeping for one business

You run one business and want simple, plain-English books.

$49once

One-time purchase. No subscription required.

  • 1 business included
  • You plus 1 additional user in each business (the owner adds Connected)
  • Bank sync through SimpleFIN (about $15 a year, paid to SimpleFIN), or upload CSV and PDF statements
  • Unlimited invoices and estimates, with online card payment
  • Bills, receipts, mileage and bank reconciliation
  • Deduction finder and quarterly tax estimates
  • Profit and loss, cash flow, balance sheet, and a tax worksheet for your type of business
Try it free for 14 days · What's in Basic

Pro

Most popular

Full double-entry accounting

For owners, accountants and bookkeepers who want full double-entry accounting.

$249once

One-time purchase. No subscription required.

  • 2 businesses included
  • You plus 3 additional users in each business (the owner adds Connected)

Everything in Basic, plus:

  • Accrual books and a full numbered chart of accounts
  • Account registers, general ledger, trial balance and period close
  • Sales orders, purchase orders, inventory and assemblies
  • Classes, job costing and time tracking
  • Sales-tax nexus tracking and a tamper-evident audit trail
Try it free for 14 days · What's in Pro

Firm

For accounting firms and their clients

You keep the books for clients and want them all on one plan.

$899once

One-time purchase. No subscription required.

  • Unlimited businesses
  • Unlimited users in each business

Everything in Pro, plus:

  • Switch between client businesses with one click
  • Add your firm's staff once and give them access to every client business (on Desktop, the firm adds Connected)
  • A read-only dashboard you can publish for each client
  • One license across every client
What's in Firm →

Optional add-ons

Desktop works fully without any add-ons. Each of these is optional and billed separately.

Connected

from $15 a month

Basic $15 · Pro $22 · Firm $35

or yearly, with two months free

Connected is a monthly or yearly subscription for Desktop. It adds included bank feeds, access to your books in a web browser and the mobile app, syncing between your computers, and email sending. You need it to invite other people into your books. The people you invite don't need their own subscription. If you cancel, you keep the software and your books.

How Connected works →

More businesses

$50 one time, per business

You can add a business to Basic or Pro for a one-time price, and you keep it like the rest of your license. If your extra businesses would cost as much as Firm, you can upgrade to Firm instead.

Neo-Capital AI

from $19 a month

  • AI 200 credits$19
  • AI Growth 600 credits$49
  • AI Advanced 1,800 credits$129

Neo-Capital AI is a paid add-on. It is an assistant built into the app that uses monthly credits. Extra credit packs never expire: 500 credits for $40, 2,000 credits for $150. On Desktop it requires Connected. Connecting your own AI through MCP is free.

Neo-Capital Ads

$29 a month

Neo-Capital Ads costs $29 a month. You can plan, launch and track your Meta ad campaigns inside Neo-Capital and see them next to the revenue they bring in. It does not require Connected.

Accepting card payments on your invoices (Get Paid) has no monthly fee. Stripe charges its standard card processing fee, and Neo-Capital charges 1% of each payment made through a Pay now link. Both fees are taken from the payment.

Compare Basic, Pro and Firm

Each tier includes everything in the tier before it. To upgrade, enter your new license key. Your books stay the same, so there is nothing to migrate.

Feature
Basic
$49
Pro
$249
Firm
$899
Everyday bookkeeping
One-time price
$49
$249
$899
Businesses included
1, more available
2, more available
Unlimited
Bank sync through SimpleFIN (about $15/yr), plus CSV and PDF import
Category rules that suggest a category for you to approve
Tax-deduction finder
Quarterly tax estimator
Profit and loss, cash flow and tax worksheet
1099 contractor tracking
Sales tax nexus tracking (50 states and DC)
Automatic backups and database snapshots
Accounting
Double-entry general ledger
Runs in the background
Branded invoices and accounts receivable
Estimates
Bills and bill pay
Account registers and the general ledger
Numbered chart of accounts with sub-accounts
Purchase orders and sales orders
Bank reconciliation
Period close
Balance sheet
Simplified
Trial balance
Reports on an accrual basis (Basic reports on a cash basis)
Inventory, classes and time tracking
Tamper-evident audit trail
QuickBooks migration
Payments and users
Accept card payments on your invoices (Get Paid) *
Payments are recorded in your books automatically
Connected: web browser, mobile app, bank feeds and users †
Users you can add to each business †
1
3
Unlimited
User roles: accountant, staff, field and viewer †
For accounting firms
Unlimited client businesses
One license across every client
Read-only client dashboards you can publish
Add your firm's staff once for every client business †
Add a business ($50 one time)

Every tier uses the same download. Your license key sets which features are available, and when you upgrade, you do not need to re-enter anything.

* Get Paid uses your own Stripe account. Stripe's card fee and a 1% Neo-Capital fee apply to each payment. † Connected is an optional monthly or yearly subscription: $15 on Basic, $22 on Pro and $35 on Firm a month, or two months free when paid yearly. The owner needs it for other users and for browser or mobile access, and the people you invite do not need their own. Everything else on Desktop is a one-time purchase.

Try it before you buy

Both Online and Desktop are free for 14 days. You do not need a credit card to start.

Start a free Online trialDownload Desktop

Not sure which to choose? Try the live demo first.

Pricing questions

What's the difference between Online and Desktop?

The difference is where it runs and how you pay. Online is a subscription that runs in your web browser, and it includes bank feeds, the mobile app and users. Desktop is a program you buy once, and your books are saved in a file on your computer. If you want online access or other users on Desktop, you can add the Connected subscription. Both use the same accounting engine and the same three tiers.

Is Desktop really a one-time price?

Yes. You pay once and the license does not expire. The program keeps working even if you never pay us again. Connected, AI and Ads are optional subscriptions you can add.

Do I need Connected?

You need Connected if you use Desktop and want any of these: other users in your books (including your accountant or your firm's staff), access in a web browser or the mobile app, syncing between computers, or included bank feeds. The owner of the books pays for Connected, and the people they invite do not need their own subscription or license. It costs $15, $22 or $35 a month on Basic, Pro or Firm. You can also pay yearly: $150, $220 or $350 a year, which is two months free. Online already includes all of this.

How many businesses can I have, and what if I need more?

Each business has its own set of books. Basic includes 1, Pro 2, and Firm is unlimited. If you need more, an extra business costs $9 a month on Online or $50 one time on Desktop. If adding another business would cost more than Firm, you can upgrade to Firm instead.

Who can I invite, and do they pay?

Each business includes you plus 1 additional user on Basic (usually your accountant), 3 on Pro and unlimited on Firm. Read-only viewers are free and do not count toward the limit. Each user has an access level: accountant, staff, field or viewer. The people you invite never pay. On Desktop, the owner needs Connected to add users.

Is there a free trial?

Yes. Online is free for 14 days and Desktop is free for 14 days, and you do not need a credit card. On Desktop, you choose Basic or Pro for the trial. When the trial ends, you can still export your books.

What happens if I cancel Online?

You can always download a full export of your books. If you have paid for Online for 2 months or more in total, we also email you a free Neo-Capital Desktop Basic license when your subscription ends. You can use it to open your books on your own computer.

Is Neo-Capital AI included?

No. Neo-Capital AI is a paid add-on starting at $19 a month. Connecting your own AI through MCP is free.

Can I get a refund?

Yes. Every purchase and subscription has a 30-day money-back guarantee. Email help@neocapital.app to request a refund.

Have another question? The Help Center has more answers, or you can email us at help@neocapital.app.