Expenses overview

Page Basis
Accrual Cash
Period Totals use this period · what's outstanding is point-in-time
All time YTD This year Last year This month Last month Last 30 days Last 90 days Last 12 months
Total spend
$185,290.87
accrual basis
You owe
$9,758.00
$7,350.00 overdue
Vendors
5
paid this period
Needs review
13
imported rows waiting to be categorised
Where the money went $277,359.00 in → $92,068.13 net income
Sales → Revenue — $277,359.00 Revenue → Cost of Goods Sold — $83,069.50 Revenue → Gross profit — $194,289.50 Gross profit → Operating expenses — $83,137.37 Gross profit → Operating income — $111,152.13 Operating income → Depreciation Expense — $19,084.00 Operating income → Net income — $92,068.13 Operating expenses → Rent & Lease — $40,375.00 Operating expenses → Advertising & Marketing — $21,649.00 Operating expenses → Uncategorized Expense — $13,148.00 Operating expenses → Software & Subscriptions — $7,910.00 Operating expenses → Office Supplies — $55.37 Revenue — $277,359.00 Revenue $277K Sales — $277,359.00 Sales $277K Cost of Goods Sold — $83,069.50 Cost of Goods Sold $83K Gross profit — $194,289.50 Gross profit $194K Operating expenses — $83,137.37 Operating expenses $83K Operating income — $111,152.13 Operating income $111K Net income — $92,068.13 Net income $92K Depreciation Expense — $19,084.00 Depreciation Expense $19K Rent & Lease — $40,375.00 Rent & Lease $40K Advertising & Marketing — $21,649.00 Advertising & Marketi… $22K Uncategorized Expense — $13,148.00 Uncategorized Expense $13K Software & Subscriptions — $7,910.00 Software & Subscripti… $7.9K Office Supplies — $55.37 Office Supplies $55
Spend by month (18 months)
    Bills due next $7,350.00 overdue · $0.00 in 7 days · $2,408.00 in 30
    DueVendor OpenWhen
    2026-07-19 Meta Ads $500.00 70d late
    2026-08-18 Flat Mailer Supply $350.00 40d late
    2026-08-28 Studio Rent Holdings $325.00 30d late
    2026-09-22 Giclée Print Partners $6,000.00 5d late
    2026-09-22 Frameworks Supply Co. $175.00 5d late
    2026-10-06 Frameworks Supply Co. $1,872.00 9d
    2026-10-22 Giclée Print Partners $200.00 25d
    2026-10-27 Giclée Print Partners $336.00 30d

    8 open · $9,758.00 in all Pay bills → Unpaid bills →

    Already committed Recurring expenses →

    $1,699.00 a month across 3 recurring expenses. This is spend already decided, not spend that happened; it is the floor under next month, whatever the period above says.

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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.

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    Books
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    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

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    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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    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)
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    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.

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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.