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Two ways to run it, both free to start. Open mcp.zovo.one/mcp/connect, copy the credit-note URL and paste it into any client that takes a URL. It already carries a free token, so there is nothing to install, no account and no header to set. The URL is https://mcp.zovo.one/mcp/credit-note/t/<token>. The token is not optional: the bare https://mcp.zovo.one/mcp/credit-note connects and lists its tools and then answers every tool call with HTTP 401, so use the link from /mcp/connect or send Authorization: Bearer <token>. Or download credit-note.mcpb and double-click it in Claude Desktop.

mcp-credit-note

Credit notes (credit memos) for freelancers and small businesses, kept the way the paperwork keeps them. Issue a credit against an invoice or standalone: the recipient, the reason (returned goods, overcharge, discount correction, service issue, other), line items with quantity, unit price and tax rate, and the currency. Every credit note starts as a draft you can revise and delete; finalizing burns the final CN-YYYY-NNNN number and freezes it, because a finalized credit note is a document the client may have seen. Render one to Markdown to paste into an email, or to a self-contained printable HTML page, and get the totals credited per currency, reason and month. Every amount is an integer number of minor units, and nothing is sent anywhere.

Built by theluckystrike.

npm publish for @theluckystrike/mcp-credit-note is pending, so npx -y @theluckystrike/mcp-credit-note returns 404 today. Until then, a clone+build is the working path.

Install

Claude Desktop

macOS ~/Library/Application Support/Claude/claude_desktop_config.json, Windows %APPDATA%\Claude\claude_desktop_config.json:

{
  "mcpServers": {
    "credit-note": {
      "command": "npx",
      "args": ["-y", "@theluckystrike/mcp-credit-note"]
    }
  }
}

Claude Code

claude mcp add credit-note -- npx -y @theluckystrike/mcp-credit-note

Cursor

~/.cursor/mcp.json (global) or .cursor/mcp.json (project), same entry as Claude Desktop.

Tools

Free vs Pro

Finalizing is the metered act because that is what turns a draft into the document the client sees. Everything else is free and unlimited: a free tier that withholds the rendered document or the totals is a demo, and ten real finalized credit notes is a working year for a freelancer who credits an invoice now and then.

Get Pro: https://mcp.zovo.one/buy/credit-note -- $19 one-time for this server, or $39 for the bundle.

The rounding rule

Every amount is an integer number of minor units (cents), and the line math is documented so the printed document reproduces on a calculator:

1. The unit price enters as integer minor units, so nothing is rounded on input. The line gross is quantity x unit price, rounded half-up once: gross = round_half_up(quantity * unit_price_minor). A whole quantity is exact; a fractional one (2.5 hours at EUR 33.33) lands on the nearest cent, and 2.5 x 3333 = 8332.5 rounds to 8333, never banker's 8332.
2. Tax is computed per line and rounded half-up per line: tax = round_half_up(gross * rate / 100).
3. The line total is gross + tax, and the note totals are plain integer sums of the already-rounded line values.

Round per line, then sum: a total can never drift from the printed lines by more than the rounding already visible on those lines, so the tax line at 23% is on its own base (the 23% lines only), not on the whole subtotal.

Numbering

Drafts carry a CN-DRAFT-YYYY-NNNN id no client sees. The final CN-YYYY-NNNN number is assigned only at finalize, in the issue date's year, and the counter is written before the record, so a crash burns a number rather than reusing one. Because drafts never hold a final number and finalized notes cannot be deleted, the final series never has a gap.

Privacy

All data stays local, in ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/credit-note/. Two files: notes.json, counter.json. Nothing is sent anywhere, there is no account, no API key and no network call in this server at all. License keys are verified offline. The Markdown and HTML renders are returned as text; this server writes no document files.

Built by theluckystrike. https://github.com/theluckystrike

Or the 37-server bundle for $39.

Set it up in your client

Exact config path, entry and caveats: Claude Desktop · Claude Code · Cursor · VS Code · Windsurf · Cline · Claude.ai and Claude Desktop connectors · all clients

Guides

How to track billable hours inside Claude Code and Cursor · Create an invoice PDF from a chat message with an MCP server · Ask questions about an Excel or CSV file from Cursor or Claude · Watch a product price with Claude and get told when it drops · What the free tier includes and what Pro adds · Log expenses and mileage in Claude, split VAT, rebill to an invoice · Convert currencies in Claude with real ECB rates, no API key · Generate Word proposals and contracts from a chat message · Find a meeting time across time zones without doing the arithmetic · Write a resume and a cover letter from chat, without inventing anything · Bill a retainer on a schedule without a billing SaaS · Assemble a contract from your own clause library, in chat · Connect MCP servers to Claude.ai, Claude Desktop, Cursor and VS Code without installing anything · Merge, split and stamp PDFs from chat, and why some come back as glyph numbers · Read a .ics calendar in Claude: free and busy, conflicts, and billable meetings · Run a kanban board in Claude, with time tracking on the same task · Resize, compress and watermark images from a chat message · Categorize and reconcile a bank CSV export from chat · Send a quote from chat, then turn the yes into an invoice · Put a SEPA payment QR code on an invoice from chat · Zip and unzip archives safely from Claude or Cursor · Client deposits and retainers from chat, applied to your real invoices · Fixed assets and depreciation from chat, on the rates the tax authorities publish · Per diem and travel allowances from chat, on the rate tables the tax authorities publish · One double-entry ledger out of every server you already run · Loan and lease schedules from chat, closing exactly on zero · Work orders and job cards from chat, and why the markup goes on the unit cost · Price lists and rate cards from chat, and the 100x scale gap between the invoice and the quote · Change orders and the running contract value from chat, and why a changed line is two items · A petty cash float from chat, and why the cheque is not the sum of the vouchers · Client statements and payment chasers from chat, aged as at any date you name · Credit notes and purchase orders from chat, against your real invoices · One install, every server: the office-suite bundle · Close a month in chat: invoice, credit note, retainer, bank reconciliation, statement · MCP server not showing up in Claude Desktop: the six checks that find it · Where is claude_desktop_config.json, and what goes in it · claude mcp add: every flag, and the scope that silently loses your server · MCP servers on Windows: spawn npx ENOENT, backslashes and the PATH · Installing these MCP servers when npx does not work yet · Cursor MCP setup: mcp.json, the required type field, and where the servers appear · Which MCP servers work with no network at all · Invoicing an EU client with reverse charge, from a chat message · Quote, deposit, invoice, statement: the whole cycle in one conversation · Is this project making money? Hours against costs, without a spreadsheet · Building a tax year pack for your accountant from chat · Keeping a mileage log in chat, with the rate you actually claim · Reconciling a bank CSV against what you invoiced and spent · Rebilling client expenses, with a markup and the VAT handled honestly · Chasing an unpaid invoice: aging, then the letter · A bill of sale from chat, with the identifiers checked and the signature lines printed · Pricing a job from a rate card, and what to do when the scope changes · Working out your hourly rate from what you actually billed · Converting CSV to xlsx and back without opening Excel · Asking a spreadsheet questions in plain language · Merging a folder of receipts into one PDF from chat · Splitting one big scan into separate documents · Sending a month of paperwork as one archive, safely · MCP servers in VS Code: the one-word mistake that breaks every config · MCP servers in Windsurf and Cline: two defaults that waste an afternoon · Local MCP server or hosted URL: which one, and what you give up · What these MCP servers actually do on the free tier · Choosing an MCP server for invoicing: the seven questions worth asking · When you need an MCP server, and when a prompt is enough · MCP config file locations and JSON keys, every client · Why an MCP server does not appear, in order of likelihood · How MCP registry search actually works, measured · What is actually in the MCP registry: 6,000 rows counted · stdio or streamable HTTP: which MCP transport, and what breaks · MCP protocol versions: what each one changed · Every field in an MCP server config entry, by client · MCP config scopes: which definition wins when a server is defined twice · Where each MCP client writes its logs · Shipping an MCP server: a bundle to download or a URL to paste · What is inside a .mcpb MCP bundle · Charging for an MCP server: how licensing actually works · How much text an MCP server may return, and how much it may describe · What to check before letting an MCP server run · Why a directory says your hosted MCP server is not responding · The MCP registry binds one remote URL to one server name · Capital letters in your GitHub username change your MCP registry rank · How many MCP servers already have your word in the name · server.json field reference for the MCP registry · When an MCP tool fails, do not return a JSON-RPC error · structuredContent and outputSchema in MCP, and what MUST hold · Rules for naming an MCP tool, and the collision nobody plans for · MCP has no session, so how do two tool calls share state · x-mcp-header: mirroring tool parameters into HTTP headers · How a directory scores an MCP server, and why your worst tool decides it · What AI crawlers fetch that Googlebot does not, measured on 141 URLs · Search Console's URL Inspection API changes its answer between calls · Which MCP servers work by pasting a URL, with nothing installed · Where to find MCP servers that cost money, and how you actually pay · Getting an assistant to fill in a quote or estimate for a customer · Is there an MCP server for a petty cash book or a cash ledger · Currency conversion in an assistant, and which MCP server to use · Zipping and unzipping archives from an assistant, and what the guards do · Producing a delivery schedule or a work order document from a chat · Will an MCP server email the invoice to my client · Can an assistant read a photo of a receipt and log the expense · All guides