BillsWhat is owed and when it falls due: the A/P side of the same ledger the balance sheet reads. Pay bills is where the money actually leaves.

Enter a bill

What you owe a supplier. Code it to accounts, to products, or both.

Who it's from
Dates & terms
Product/Service Description Account Qty Unit cost Amount
Bill total 0.00
Details
Only meaningful with a job; Unbilled Costs by Job is what reads it.

Pay a bill

Refund against a vendor credit

Money coming back from a vendor against a credit you hold: an overpayment returned, or a returned purchase. Deposits the cash and consumes the outstanding credit so their balance nets to zero.

Money back from a vendor

Both put the money in your bank. They differ in what they take it off, so the answer decides where it posts.
Pay several
Bills · click any bill to view & print
Date Bill Vendor Due Total Open Status
2026-09-27 PO PO-3002 Giclée Print Partners2026-10-27 $336.00 $336.00 open
2026-09-22 Bill 2000 Giclée Print Partners2026-10-22 $200.00 $200.00 open
2026-09-21 PO 4 Frameworks Supply Co.2026-10-06 $1,872.00 $1,872.00 open
2026-09-07 Bill 2001 Frameworks Supply Co.2026-09-22 5 days ago $275.00 $175.00 partial
2026-08-23 PO 3 Giclée Print Partners2026-09-22 5 days ago $6,000.00 $6,000.00 open
2026-08-18 Bill 2002 Flat Mailer Supply2026-08-18 40 days ago $350.00 $350.00 open
2026-07-14 Bill 2003 Studio Rent Holdings2026-08-28 30 days ago $425.00 $325.00 partial
2026-06-19 Bill 2004 Meta Ads2026-07-19 70 days ago $500.00 $500.00 open

Unpaid bills

Open bills with a balance due. Click any bill to open it.

Bill
Flat Mailer Supply Bill 2002 2026-08-18 40 days ago $350.00
Frameworks Supply Co. Bill 2001 2026-09-22 5 days ago $175.00
Frameworks Supply Co. PO 4 2026-10-06 $1,872.00
Giclée Print Partners PO 3 2026-09-22 5 days ago $6,000.00
Giclée Print Partners Bill 2000 2026-10-22 $200.00
Giclée Print Partners PO PO-3002 2026-10-27 $336.00
Meta Ads Bill 2004 2026-07-19 70 days ago $500.00
Studio Rent Holdings Bill 2003 2026-08-28 30 days ago $325.00
Total outstanding $9,758.00
Total outstanding $9,758.00
Open bills by age · click a bucket to filter
Current (not yet due)$2,408.00
1–30 days$6,500.00
31–60 days$350.00
61–90 days$500.00
90+ days$0.00
Vendor Date Open Age
Meta Ads · Bill 2004 2026-06-19 $500.00 70d
Studio Rent Holdings · Bill 2003 2026-07-14 $325.00 30d
Flat Mailer Supply · Bill 2002 2026-08-18 $350.00 40d
Giclée Print Partners · PO 3 2026-08-23 $6,000.00 5d
Frameworks Supply Co. · Bill 2001 2026-09-07 $175.00 5d
Frameworks Supply Co. · PO 4 2026-09-21 $1,872.00 -9d
Giclée Print Partners · Bill 2000 2026-09-22 $200.00 -25d
Giclée Print Partners · PO PO-3002 2026-09-27 $336.00 -30d
Total open $9,758.00

Apply a payment to a specific bill

Real money you paid. It debits Accounts Payable and credits the account it came out of.

Vendor credit

A credit against the vendor reduces what you owe them overall and waits in Open credits at the foot of this page until you put it against a bill. Against one bill it clears that bill directly.

Applied payments: unapply or reassign

Unapplying doesn't change what you owe: the bill re-opens and the credit starts floating by the same amount. It only changes which bill the credit is sitting against, and posts no new cash.

VendorPaid Amount
Studio Rent Holdings · bill 2026-07-14 2026-07-17 $100.00
Frameworks Supply Co. · bill 2026-09-07 2026-09-10 $100.00
Outstanding by vendor · click a vendor to open them; click Outstanding to sort
Vendor
Giclée Print Partners $6,536.00
Frameworks Supply Co. $2,047.00
Meta Ads $500.00
Flat Mailer Supply $350.00
Studio Rent Holdings $325.00
Total$9,758.00
Open credits · money your vendors are holding for you, not yet put against a bill

No open credits. One raised here shows up in this table until you put it against a bill.

New vendor

Add a vendor. You can add contacts and other details on the vendor page.

Add an account

Nest it under a parent of the same account type.

New job

Only the name is required; everything else can be filled in later on the job's page.
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Restore Points Book File Import & Migration Exports
Data Health Edit business details What you use Upgrade & add-ons
Help
User manual
Get Started page
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License

Your plan travels with your account, not with this computer. Sign in anywhere and your books and your plan come with you.

Plan
Online Pro
Books
1 of 2
Need more room?

Add a book to this plan, or move up a tier. Either takes effect immediately.

Contact support

Your tickets, and the answers to them, in the app and on your account page at neocapital.app.

Help centre on neocapital.app

Report a problem

Off by default. You can change this here any time.

Reports carry your app version, OS and license ID, never your books. Error details are scrubbed (names, amounts and text redacted) before sending.

Book file

One .neobooks file holding this whole business. Send it to your accountant, move it to another computer, or keep a copy you can come back to.

Export this business

Packages Lumen Studio: every account, transaction, journal entry, customer, invoice and bill, plus uploaded documents, into one file. It downloads to your computer.

Import a book file

Import it as a new business, or replace an existing one with a returned copy. Its current books are saved first, so it is undoable.

Restore points

A saved copy of your books you can go back to. Take one before an import, a merge, or anything else that changes a lot of records at once.

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User manual

Neo-Capital

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Upgrade & add-ons

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Split this transaction

Slice one transaction into multiple categorized lines: e.g. a $400 Costco run becomes $250 office supplies + $150 personal groceries. Just type the amounts. Each line goes the same direction as the original, so an expense stays an expense. Use a minus only for a line that runs the other way, like a fee inside a deposit. Each split shows up as its own line in your P&L.

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Accountant package

One-click year-end ZIP for your CPA. Includes:

  • P&L for the year (income, expenses, net)
  • Balance sheet snapshot (assets + liabilities)
  • Full transactions ledger (every row, with categories)
  • 1099-NEC candidates (contractors paid ≥ $2,000)
  • Mileage log + IRS deduction (if you track mileage)
  • Documents folder (W-9s, receipts, anything you've dropped in)
  • A README the CPA can read to know what each file is

You'll choose where to save the ZIP when you click Build. A copy is also kept with your backups.

Backups

Save a snapshot, run automatic backups, or restore. Your manual backups are never auto-deleted.

Save a backup now
Save to (optional, defaults to your backups folder)
Automatic backups
Also copy every backup to a folder (optional, for cloud sync)
Point at a cloud-synced folder (Dropbox / OneDrive / iCloud) to keep your books backed up off this computer.

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Restore from a backup

Restoring replaces your current data. A safety snapshot is saved first, so you can undo. Use Load from a file… for a backup saved elsewhere.

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What you use

Turn parts of Neo-Capital on and off. Anything you switch off leaves the sidebar, the menus, and every other place the app offers it: dashboards, the Report Center, exports, the cleanup checklist. Your records and reports are never touched, a figure with a real balance behind it still shows, and the pages stay reachable from Search. Turn it back on here whenever.

Setup switched these on from your industry. Turn off anything you do not do.

Sales & customers

Purchases & vendors

Products, stock & assets

Work you track

Money & planning

Tax

Tools & communication

Preferences

Business details

Update your business info. Changes take effect immediately.

Tax profile drives the estimator and the Tax hub
Qualified business income limits (only above ~$200k taxable income)
Branding

Your logo and accent color appear on every PDF you export: invoices, statements, and reports.

Owners

No owners yet. Add them so a draw can say whose it is.

Data Location

Where Neo-Capital keeps its database. This is the whole app: every business on this computer lives here. Changes take effect when you restart.

/data

Locked by the NEO_CAPITAL_DATA_DIR environment variable. Change it there, not here.

Custom theme

Pick your colors. The app updates live as you choose, and changes save automatically.

Text color
Muted / secondary textcaptions, chart labels
Background color
Container & modal color
Topbar color
Button colorlabel auto-contrasts
Graph colors
Money inrevenue bars, positive figures
Money outexpense bars, negative figures
Attentionoverdue, warnings, loss bands
Gradient blendwhat series fade toward
Step 1 of 10

Welcome to Neo-Capital

First, who are you? Your name goes on the invoices, 1099s and reports you send out.

What are these books for?

What kind of business is it?

This is the big one. It decides your categorization rules, your Schedule C activity code, and which tools we turn on. Pick the closest match; everything stays editable later.

Construction & contracting
Transportation & delivery
Professional & business services
Retail & e-commerce
Food & hospitality
Personal care & wellness
Health care
Real estate & property
Home & field services
Creative, media & events
Education & training
Agriculture & animals
Finance, manufacturing & nonprofit
Something else

What do you sell?

We have answered these from your industry. Change any that don't fit. Everything here is reversible from What you use later.

How do you get paid, and how do you pay?

This decides whether your books carry receivables, payables, or neither.

What else do you track?

Each of these adds a section to the program. Anything you turn off you can turn back on any time.

How is your business structured?

This decides which return your books are built around, and whether you owe self-employment tax. Not sure? Most solo owners are a sole proprietorship.

Business details

These appear on your invoices, statements and tax forms.

Fiscal year & accounting method

Which month your financial year begins, usually January, and usually the same as your income-tax year. You'll pick the date your books start in this program on the next step.

This drives your tax figures. Your management reports can be read either way from a toggle on each report.

When do your books start?

The date this program starts from, not the shape of your fiscal year, which you set on the previous step. You'll enter opening balances as of this date.

Branding & look

Your logo and accent color appear on invoices, statements and PDF reports. The theme and chart style are how the program looks to you.

Logo PNG, JPG, GIF, or WebP, up to 5 MB.
Theme
Light or dark, and how charts are drawn. Both can be changed any time from the gear menu in the bottom-left.

Review & finish

Here's how we'll set your books up. Anything here is changeable later in Business settings.

Confirm

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Keyboard shortcuts

The standard accounting shortcuts, on Ctrl+Alt — a browser keeps the plain Ctrl chords for itself.

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Discard this entry?

You have changes here that have not been saved. Nothing is recorded in your books until you save.

Find a match

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New class

A reporting dimension (location, department, segment) that slices your P&L. Rename or retire them on Chart of Accounts → Classes.

Attachment

Make recurring

Tracks this charge as it repeats: each new one is matched to it when it lands, and you are told if it changes price or stops. Nothing is posted, and this transaction is not categorised by it.

The charge
Subscription: software, memberships. Other recurring charge: ads, rent, utilities. Both are recurring expenses under Recurring → Expenses; the Subscriptions tab shows subscriptions, and the others too when you include them there. Not an A/P bill; nothing is owed or posted.

New payment term

When the bill or invoice falls due, and any early-pay discount. Manage them all from the Lists button on Customers or Vendors.

Return to My Account?

This takes you back to your account on neocapital.app. Your books stay saved with your subscription and open right where you left off.

Add Neo-Capital AI

This is added to your existing Neo-Capital subscription: same card, same renewal date, one invoice. The difference for the rest of this month is charged now, pro-rated. Cancel it any time from your account.

One-time credit packs: no plan change, no renewal, never expire.