Neo-Capital vs QuickBooks Online
Neo-Capital costs about half as much as QuickBooks Online or less, or you can buy it once and keep it. You can migrate your QuickBooks data when you switch.
Try Online or Desktop free for 14 days. No credit card needed.
QuickBooks Online is the most widely used small-business accounting software in the US. It costs $38 a month for Simple Start, $85 for Essentials and $340 for Advanced, with extra charges for payroll. Neo-Capital also uses a full general ledger, with registers, reconciliation, period close and every financial statement. It costs from $19 a month, or you can buy the desktop program once, from $49.
The bigger difference is how you pay. QuickBooks Online is only available as an online subscription. If you stop paying, you have read-only access for a year and then lose access, and your data is stored on Intuit's servers. Neo-Capital is available as a subscription or as a one-time purchase. With either one, you can export all of your data. If you cancel Online after two or more paid months, we give you a free Desktop Basic license so you can keep opening your books.
Neo-Capital vs QuickBooks Online
Competitor prices and features are US list prices as of September 2026. Both products change, so please check anything important on their website and ours.
| Neo-Capital | QuickBooks Online | |
|---|---|---|
| Entry plan, per month | ||
| Entry plan, per month | $19 | $38 |
| Mid plan, per month | ||
| Mid plan, per month | $39 | $85 |
| Top plan, per month | ||
| Top plan, per month | $99 | $340 |
| A version you can buy outright | ||
| A version you can buy outright | $49–$899 once | |
| Full general ledger and account registers | ||
| Full general ledger and account registers | Pro and Firm | |
| Multiple businesses on one subscription | ||
| Multiple businesses on one subscription | 2 on Pro, unlimited on Firm | |
| Bank feeds included | ||
| Bank feeds included | ||
| Mobile app included | ||
| Mobile app included | ||
| Connect your own AI at no extra cost from us | ||
| Connect your own AI at no extra cost from us | ||
| Books stored encrypted so the provider can't read them | ||
| Books stored encrypted so the provider can't read them | ||
| Keep the software after canceling | ||
| Keep the software after canceling | Free Desktop Basic license after 2 paid months | Read-only for 1 year |
| Sales tax nexus tracking in all 50 states and DC | ||
| Sales tax nexus tracking in all 50 states and DC | Pro and Firm | Flags a met threshold |
Where QuickBooks Online is strong
QuickBooks has built-in payroll and hundreds of app integrations, and almost every US accountant knows it. If your bookkeeper requires QuickBooks Online, that is a real reason to stay. Intuit's bank feeds have been built over decades and cover some small banks and unusual cases very well.
Where Neo-Capital is stronger
Neo-Capital costs about half as much or less at each tier, and one subscription covers more than one business. With Desktop, you can buy the software once instead of paying every month. Your stored books are encrypted so we cannot read them, AI is optional, and you can export all of your data whenever you want to leave.
Switching from QuickBooks
Neo-Capital has a QuickBooks import that brings over your chart of accounts, customers, vendors, items, invoices, payments, bills, journal entries and transaction history in one step, so you can continue where you left off.
Common questions about Neo-Capital and QuickBooks
Is Neo-Capital a real QuickBooks alternative for accountants?
Yes. Pro and Firm include the full ledger, with account registers, the general ledger, a full chart of accounts, A/R and A/P, bank reconciliation, period close with a tamper-evident audit trail, and every financial statement on a cash or accrual basis. Firm adds unlimited client businesses on one plan, and client dashboards you can publish.
Can I import my QuickBooks file into Neo-Capital?
Yes. The QuickBooks import brings over your chart of accounts, customers, vendors, items, invoices, payments, bills, journal entries and historical transactions.
How much cheaper is Neo-Capital than QuickBooks Online?
At US list prices checked in September 2026, Neo-Capital costs $19 a month at entry compared with $38, $39 compared with $85 in the middle, and $99 compared with $340 at the top. That is about half the price or less at each tier. Neo-Capital Desktop is also sold as a one-time purchase from $49. QuickBooks no longer sells a one-time purchase to new US customers.
What happens to my books if I cancel?
You can always download a full export of your books. If you have paid for Online for two months or more in total, we also email you a free Neo-Capital Desktop Basic license when your subscription ends, so you can keep opening them on your own computer.
Choose Online or Desktop
Subscribe to Online and use it in your browser, or buy Desktop once and keep it. With either one, you can export all of your data at any time.
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