Integrations

Email

Sender & wording

Activity

What goes out on its own Checked every 30 minutes while the app is open
WhatWhenNextRight nowLast sent
Payment reminders
Chases unpaid invoices on your cadence.
 off
3 days before it's due, On the due date, 7 days overdue, 14 days overdue, 30 days overdue
 2026-09-17 18 queued — Cadence
Customer statements
One statement to every customer who owes you.
 manual
only when you press Email all
 — 5 customers would get one — Schedule
Payment receipts
Thanks a customer as soon as their payment is recorded.
 off
when a customer pays
 — no payments waiting — Switch
Recurring invoices
Emails each invoice as its schedule creates it.
 off
no schedule emails its invoice
 — nothing waiting — Schedules
Scheduled sends
One-off documents booked to go at a particular time.
 off
whenever you booked them
 — nothing booked — Queue
Quote follow-ups
Chases an estimate that has had no answer, and warns before it expires.
 off
7 days after sending
 — no quote waiting on an answer — Follow-ups
Notifications to you
Tells you about your own books: bounces, overdue invoices, your numbers.
 off
nothing switched on
 — no address set — Notifications
Delivery checks
Asks the provider what happened to recent sends, and records bounces.
 always
every 30 minutes
 — runs while the app is open —
Coming up (18)
SendsFromWhatWhoDocument Status
2026-09-17 30 days overdue Harbor Light Hotel Invoice 1003 invoice not emailed yet
2026-09-21 14 days overdue Westbrook Gallery Invoice 1009 invoice not emailed yet
2026-09-22 On the due date Fernhill Frame Shop Invoice 1002 invoice not emailed yet
2026-09-22 7 days overdue Harbor Light Hotel Invoice 1007 invoice not emailed yet
2026-09-27 30 days overdue Juniper & Pine Boutique Invoice 1004 invoice not emailed yet
2026-09-29 7 days overdue Fernhill Frame Shop Invoice 1002 invoice not emailed yet
2026-09-29 14 days overdue Harbor Light Hotel Invoice 1007 invoice not emailed yet
2026-10-06 14 days overdue Fernhill Frame Shop Invoice 1002 invoice not emailed yet
2026-10-07 30 days overdue Westbrook Gallery Invoice 1009 invoice not emailed yet
2026-10-15 30 days overdue Harbor Light Hotel Invoice 1007 invoice not emailed yet
2026-10-15 3 days before it's due Alder & Finch Co. Invoice 1008 invoice not emailed yet
2026-10-18 On the due date Alder & Finch Co. Invoice 1008 invoice not emailed yet
2026-10-19 3 days before it's due Westbrook Gallery Invoice 1001 invoice not emailed yet
2026-10-22 On the due date Westbrook Gallery Invoice 1001 invoice not emailed yet
2026-10-22 30 days overdue Fernhill Frame Shop Invoice 1002 invoice not emailed yet
2026-10-24 3 days before it's due Westbrook Gallery Invoice 1006 invoice not emailed yet
2026-10-25 7 days overdue Alder & Finch Co. Invoice 1008 invoice not emailed yet
2026-10-27 On the due date Westbrook Gallery Invoice 1006 invoice not emailed yet
Scheduled sends Booked from the Schedule button on a document's Email dialog

Nothing booked. Open any document, press Email, fill in Or send it at and choose Schedule instead of Send.

Emails sent Delivery status for everything sent from this book: invoices, reminders, estimates, receipts and statements

Nothing emailed yet. Invoices, estimates, receipts, statements and reminders you send will appear here with whether they were delivered.

Getting paid

Invoice payment reminders

Off. Nothing is being sent. The schedule below is what would happen once you turn it on. It is shown first on purpose, so switching this on is never the first time you see which customers are about to be emailed.

Schedule

Each chip is one email, timed from the invoice's due date.

3 days before it's due
On the due date
7 days overdue
14 days overdue
30 days overdue
Days after the due date, negative for before it.
Emails per invoice, whatever the schedule says.
Imported invoices have no send history, so leave this on unless they were already delivered another way.
Never emailed (9)

These are open invoices with no successful send on record, usually a book brought over from somewhere else. Until they go out, payment reminders will not chase them, which is deliberate: a past-due notice should never be the first thing a customer hears from you.

InvoiceCustomerOpenDue
1006 Westbrook Gallery $520.80 2026-10-27
1001 Westbrook Gallery $377.49 2026-10-22
1008 Alder & Finch Co. $1,840.00 2026-10-18
1007 Harbor Light Hotel $3,720.00 2026-09-15
1002 Fernhill Frame Shop $900.55 2026-09-22
1003 Harbor Light Hotel $298.90 2026-08-18
1009 Westbrook Gallery $720.00 2026-09-07
1004 Juniper & Pine Boutique $583.73 2026-08-28
1005 Alder & Finch Co. $1,282.53 2026-07-19
Customer statements

One email per customer with a balance: every open invoice with its due date, any credits on the account, pay links where an invoice has one, and the total due.

Send them automatically

Runs on its day, or the next time the app is open after it, so a month that was missed because the machine was off is still sent, once. Nothing is posted and no period is closed.

Day of the month, the 28th at the latest, so February is never skipped.

Customers with a balance (5)

CustomerBalanceOpen items Sends to
Harbor Light Hotel overdue $4,018.90 2 orders@harbor.example
Alder & Finch Co. overdue $3,122.53 2 orders@alder.example
Westbrook Gallery overdue $1,618.29 3 orders@westbrook.example
Fernhill Frame Shop overdue $900.55 1 orders@fernhill.example
Juniper & Pine Boutique overdue $583.73 1 orders@juniper.example
Email sending isn't set up yet. Check Email settings on the tab strip and these buttons come alive.
Payment receipts

Off. Payment receipts go out only when you press Email on a payment. Turning this on acknowledges payments recorded from that moment, never the ones already in the books.

Quotes

Quote follow-ups Stops the moment a quote is accepted, declined, converted or closed
Off by default, like everything else here that mails a customer unattended.

Emails to you

Notifications Emails the app sends to you, not to a customer

Off. Nothing is emailed to you. The things below are otherwise only visible when you open this page.

Theme Light
Restore Points Book File Import & Migration Exports
Data Health Edit business details What you use Upgrade & add-ons
Help
User manual
Get Started page
Log Out

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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Add an account

Nest it under a parent of the same account type.

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.