Welcome to Neo-CapitalThe setup path, in order. Each step ticks itself once it is true of your data, so it can be done here or anywhere else in the program.

Let's get your books set up. Each step ticks itself once it's true of your data, so you can do them here or anywhere else in the app.

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Your setup progress 63%
12 of 19 steps completed · next up: Connect your banks with Plaid
  1. Take the tour

    A quick walkthrough of where everything lives: Bank Feeds, Review, reports and the close. Two minutes, and the rest of this list will make a lot more sense.

    Tour completed

Set up your books

Connect your banks, bring in your history, shape the chart of accounts, and set where each account started.

  1. Connect your banks with Plaid

    Sign in at your bank in Plaid's secure window and your transactions sync in on their own. Neo-Capital never sees your bank password.

    3 accounts linked · waiting for the first sync

  2. Import past transactions or migrate from QuickBooks

    Have history from before your bank feed? Drop in statements (CSV, OFX/QFX/QBO or PDF), or bring your QuickBooks books over with your chart of accounts, customers, vendors and posted transactions. Starting fresh? Tick this one off.

    1,393 transactions imported

  3. Make the chart of accounts yours

    Income, expense, asset, liability and equity accounts all live here, not just banks and cards. Add the accounts your business reports on.

    1 account of your own added

  4. Set your starting balances

    What each account held the day your books begin, posted as an opening entry, so the Balance Sheet and every reconciliation start from the right number.

Keep the books current

Rules and Review keep every transaction posted; a reconciliation proves it.

  1. Create a rule for repeat charges

    Tell Neo-Capital that a payee always posts to the same account and it fills that in for you. You still confirm each one in Review.

  2. Clear the review queue

    New transactions wait inside each account until you've looked at them. Confirm the account each one posts to, and an empty queue means everything is in the ledger.

    13 transactions waiting

  3. Reconcile an account

    Tick your transactions against a bank statement until the difference is zero. It's how you know the books are right, not just close.

Sales and purchases

What customers owe you and what you owe vendors.

  1. Add your customers

    Names, emails and payment terms, so an invoice fills itself in.

    5 customers on file

  2. Add what you sell

    Products, services and inventory, each with a price and an income account, so an invoice or bill line is one pick.

    4 items on file

  3. Send your first invoice

    Pick the customer and what you sold, set a due date, and send it. It shows on Invoices as owed until it's paid.

    9 invoices created

  4. Enter your first bill

    Record what a vendor has billed you, with its due date, and pay it when it's due. Payables shows what's owed and when.

    8 bills entered

Close and report

Adjust, lock the period, and hand over the numbers.

  1. Post a journal entry

    Depreciation, accruals, a correction: anything that isn't a bank transaction, an invoice or a bill goes in as a balanced entry.

    1 journal entry posted

  2. Close a period

    Once a month is reconciled and adjusted, close it so nothing in it can change by accident. You can reopen it if you need to.

  3. Export reports for your accountant

    Balance Sheet, P&L, trial balance, general ledger or the whole accountant package, as PDF, CSV or Excel.

    Reports opened

Keep your books tax-ready

Have what tax time asks for, and the right people in the books.

  1. Set up your tax profile

    Last year's tax, your state rate and a few details. The Tax Center then estimates what you'll owe and your quarterly payments from your real numbers instead of a flat guess.

  2. Flag your 1099 contractors

    Mark the vendors you pay as contractors and Neo-Capital totals what you paid each one for their 1099-NEC, from the ledger.

    1 contractor flagged

  3. Keep receipts with your books

    Upload receipts, contracts and statements and attach them to their transactions, so they're there when tax time comes.

    5 documents kept

  4. Invite your accountant and team

    Give your accountant and staff their own logins, each with a role that sets what they can see and change.

    Accountant invited

Need a hand?

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Watch Video Tutorials Get Started Tutorial
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Data Health Edit business details What you use Upgrade & add-ons
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User manual
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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.

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
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.
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.