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MCP Cash Book vs Wave and QuickBooks: which cash book to pick

A cash book (day book) records money in and money out as it happens. Wave and QuickBooks are full accounting products: double-entry ledgers, bank feeds, invoicing, tax reports. Ours records receipts and payments, keeps a running balance and builds a period summary and a CSV export, from chat, with no account and no network. The facts below are read from each vendor's own pricing and product material.

The facts, read from each product

FactOursWaveQuickBooks
What it recordsReceipts and payments with a running balance; period summary; CSV exportFull double-entry accounting: income, expenses, bank feeds, invoicing, reportsFull accounting: invoicing, expenses, bank feeds, payroll add-ons, tax reports
Accounting depthSingle-entry cash book. No chart of accounts, no journal, no balance sheetDouble-entry ledger and standard financial statementsDouble-entry ledger and standard financial statements
Network / accountLocal MCP server; no network call, no accountCloud SaaS accountCloud SaaS account
Install/entry pathOne-click cash-book.mcpb bundle or hosted URL from /mcp/connectSign up to WaveSign up to QuickBooks
PriceFree to record and export; Pro $19 once for Markdown and the period summaryFree core accounting; paid add-ons (payments, payroll) charged separatelyPaid subscription from roughly $35/mo; higher tiers and payroll cost more
LicenceMITProprietaryProprietary

When to pick Wave or QuickBooks

Pick them when you need real bookkeeping: a chart of accounts, bank reconciliation, and financial statements you or an accountant can rely on. Wave's core accounting is free with paid add-ons for payments and payroll. QuickBooks is the broader product with payroll, inventory and accountant tooling from roughly $35/mo. Neither is a cash book, and using one as just a cash book means paying for or maintaining much more than you use.

When to pick ours

Pick ours when what you want is a day book: log money in and money out in chat, keep a running balance, pull a period summary and export CSV, with no account and no network call. It is free to record and export, and Pro is a $19 once unlock for Markdown and the period summary. It does not replace double-entry accounting; if you need statements an accountant can file from, use Wave or QuickBooks instead.

Install lines

Ours, one click: download cash-book.mcpb from the latest release and open it in Claude Desktop. No JSON, no terminal.

Or by URL, with nothing installed. /mcp/connect mints a free token and prints the ready line:

claude mcp add --transport http cash-book https://mcp.zovo.one/mcp/cash-book/t/<token>

The npm package is not published yet, so the line below returns a 404 today. It is here because it is what the config becomes the day that changes:

claude mcp add cash-book -- npx -y @theluckystrike/mcp-cash-book

Exact config file paths per client are on the setup pages.

Questions

Does ours do double-entry accounting?

No. Ours is a single-entry cash book: receipts, payments, a running balance, a period summary and a CSV export. For a double-entry ledger and financial statements, use Wave or QuickBooks.

Is Wave or QuickBooks free?

Wave's core accounting is free with paid add-ons for payments and payroll. QuickBooks is a paid subscription from roughly $35/mo, more with payroll and higher tiers. Ours is free to record and export, Pro $19 once.

Which works offline with no account?

Ours. It is a local MCP server with no network call and no account. Wave and QuickBooks are cloud products with bank feeds and accounts.

Where can I read the competitor facts myself?

Wave's free accounting and paid add-ons are described at waveapps.com/pricing. QuickBooks subscription tiers are at quickbooks.intuit.com/pricing. Read on 2026-09-17.

Related

Product page · Setup per client · Guides · All comparisons · Buy Pro $19