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mcp-statement-of-account

Send a client the one document that answers "what do I actually owe you". This MCP server reads the books you already keep in this suite -- your invoices, your credit notes and your deposits -- and turns them into a statement of account for a period: the balance you were carrying at the start, every invoice you issued, every payment that came in, every credit note you gave, and the balance at the end. It ages what is still open into 0-30, 31-60, 61-90 and over 90 days past due, so you can see at a glance which client is the problem; it writes the statement as pasteable text or as an A4 PDF that looks like your invoices; and it drafts the chaser, at a friendly, a firm or a final level. It never writes anything back into your invoices, and it never invents a late fee.

Built by theluckystrike.

Install

Claude Desktop

~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):

{
  "mcpServers": {
    "statement-of-account": {
      "command": "npx",
      "args": ["-y", "@theluckystrike/mcp-statement-of-account"]
    }
  }
}

Claude Code

claude mcp add statement-of-account -- npx -y @theluckystrike/mcp-statement-of-account

Cursor

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

Tools

Plus the statement://sources resource, which says which of the three stores this server could read and how many rows each holds, and the chase_overdue prompt.

Free vs Pro

Aging is free and unlimited on purpose. "Who owes me money" is the question this whole server exists for, and a free tier that hides it is a demo rather than a tool. The meter is on the statement, the document that actually goes to a client, and it counts distinct statements: the same client, period and currency built again is free forever.

Get Pro -- one-time, lifetime, for this server. Keys verify offline. Or the nineteen-server bundle for $39.

Where the numbers come from

Nothing here is typed in twice. The server reads three stores and writes to none of them:

A store you have never installed is simply absent, and the statement is built without it. A store that is on disk and cannot be READ is a different thing entirely, and is reported as such on every figure, because a balance that could not be computed must never be shown as a balance of nothing owed. The one store the server refuses to work without is the invoice ledger.

A measured insight

Aging a past date with today's payment figures is not slightly wrong, it is silently empty. Aging is usually written as "take each invoice, subtract what has been paid, and bucket by the due date". The subtraction is the part nobody dates. On the worked month in test/_client.mjs, aged at 2026-06-10, the two rules give:

The naive rule understates what was owed by 800.00 of 2,500.00, a third of the balance, and it reports NOTHING overdue on a date when an invoice was a month late, because a payment that arrived two days later has already been subtracted from it. The failure is invisible: the answer looks tidy, the buckets add up, and it cannot be reproduced next month because the input keeps moving. So every figure in statement_aging is taken as at the date asked for, in both directions: an invoice issued after it is not on the books, a payment made after it has not happened, and a credit note issued after it has not been given.

The second thing measurement showed: paid_minor and payments[] on an invoice do not have to agree, and routinely do not. invoice_mark_paid writes both, but deposit_apply raises paid_minor and appends no payment row at all, and an invoice created before that field existed has no rows either. Reconstructing receipts from payments[] would have lost 300.00 of the worked month's 900.00 of receipts, a third of the cash, with no error anywhere. paid_minor is treated as the authority and the rows are only the attribution.

Rules this server holds to

• A deposit is money that moves once. Applying a deposit already writes the payment on the invoice, so the statement counts it there and breaks it out as "of which deposits applied" rather than crediting it a second time. Deposit money still held is a memo line and is never part of the balance: it is the client's money until it is applied.
• Currencies are never added together. One statement is one currency, and a client billed in two is asked which. There is no exchange rate in this server, so a single figure across a EUR ledger and a USD one would be one it made up.
• Due today is not overdue. An invoice enters the 0-30 bucket on the first day past its due date. What is outstanding but not yet due is reported beside the buckets, never inside them and never hidden.
• A credit note reduces the invoice it names and no other. An open balance floors at zero and any excess is reported as unapplied credit, rather than quietly cancelling an invoice the client never agreed it against.
• No chaser invents a charge. The three dunning levels differ in tone and deadline and in nothing else. No level states a late fee, an interest rate or a legal cost, because this server holds no contract terms, no statutory rate and no jurisdiction, and the one place never to put a made-up number is a demand for money.
• A chaser for a client with nothing overdue is refused, and the refusal says what is outstanding but not yet due.

Privacy

All data stays on your machine. The invoices, credit notes and deposits are read from ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/, this server's own register of built statements is written to .../mcp-servers/statement-of-account/, and nothing is sent anywhere. There is no network call in this server at all. License keys verify offline.

License

MIT. Support: support@zovo.one

Built by theluckystrike.

First five minutes

Three prompts that scored 3 of 3, measured in round 26, 2026-09-05. Paste one in as it is written.

Look at the statement://sources resource first to confirm which of the three books (invoices, credit notes, deposits) this server can see for Studio One. Then build a statement of account for Acme Ltd for June 2026 (2026-06-01 to 2026-06-30) in EUR, and tell me the opening balance, everything that moved during the month, and the closing balance.

What it did, measured in round 26, 2026-09-05: Read statement://sources first, unprompted follow-through on the instruction, and reported all three stores read (invoice 4 rows, billing-docs credit notes 2 rows, deposits 1 row) with both clients named.

Now give me the aging as at today, for every client, across all currencies. Tell me who owes what and how overdue it is.

What it did, measured in round 26, 2026-09-05: One statement_aging call with no client filter and no as_of (so the server's own clock, 2026-09-05, decided the date) returned both clients in EUR: Acme Ltd 2,400.00 overdue (INV-2026-0002 1,700.00 at 62 days, INV-2026-0003 700.00 at 72 days, both 61-90) plus 100.00 unapplied credit, and Beta GmbH 500.00 overdue at 82 days.

Now I need the aging as at 2026-06-10 specifically, not today, for Acme Ltd. INV-2026-0001 was paid in two instalments, one before 2026-06-10 and one after. Tell me exactly what was outstanding and what was overdue as at 2026-06-10, using only what was true on that date.

What it did, measured in round 26, 2026-09-05: This is the round's key insight and the model got it exactly right: one statement_aging call with as_of 2026-06-10 returned outstanding 2,500.00 and overdue 500.00 (31 days late on INV-2026-0001), matching the server's own README worked example figure for figure.

On the free tier for this path: statement_aging is free and unlimited on every tier, for one client or for everyone: who owes me money is the question this server exists for, and a free tier that hides it is a demo. The meter is on the document that goes to a client, five distinct statements a calendar month, counted by client, period and currency, so rebuilding one already in the register is free forever. Plain-text statements and dunning at the friendly and firm levels are free.

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 · 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 · All guides