statement-of-account

mcp-statement-of-account

In the official MCP Registry (io.github.theluckystrike/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.

npm publish for @theluckystrike/mcp-statement-of-account is pending, so npx -y @theluckystrike/mcp-statement-of-account returns 404 today. Until then, the .mcpb one-click bundle or a clone+build is the working path.

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

tool	what it does
statement_build	One client's statement for a period: opening balance, invoices issued, payments received, credit notes, deposits applied, closing balance. Every figure in minor units and formatted
statement_aging	What is owed, split into 0-30, 31-60, 61-90 and over 90 days past the due date as at a chosen date, for one client or for everyone, per currency
statement_text	The same statement as plain text, movements in date order, ready to paste into an email
statement_pdf	The same statement as an A4 PDF titled STATEMENT OF ACCOUNT, on the same page layout as your invoices and credit notes
dunning_text	A payment chaser at level 1 (friendly), 2 (firm) or 3 (final demand), with the overdue list and your bank details
statements_report	Every client at once: what is outstanding per currency, aged, and the oldest overdue invoice in the book
license_status	Free or Pro, and where to upgrade
license_activate	Activate a Pro key

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

	Free	Pro
Statements built	5 a calendar month	unlimited
Rebuilding a statement already built	unlimited	unlimited
statement_aging	unlimited	unlimited
statement_text	yes	yes
dunning_text levels 1 and 2	yes	yes
dunning_text level 3, final demand	no	yes
statement_pdf	no	yes
statements_report	no	yes
PDF footer credit	shown	removed

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.

Where the numbers come from

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

store	server	what is taken from it
invoices.json	mcp-invoice	the invoices, their due dates and how much of each is paid
credit-notes.json	mcp-billing-docs	the credit notes, already stored with a negative sign
deposits.json	mcp-deposits	the deposit applications, and what is still held

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:

rule	outstanding	overdue
as at 2026-06-10	2,500.00 EUR	500.00 EUR, 31 days late
today's paid_minor	1,700.00 EUR	0.00 EUR

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: [email protected]

Built by theluckystrike.

Use these docs as an MCP server

Any MCP client (Claude, Cursor, Windsurf, VS Code) can read this repository's documentation directly via GitMCP - no install:

• Docs MCP URL: https://gitmcp.io/theluckystrike/mcp-statement-of-account