Zovo Cash Book MCP Server

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Two ways to run it, both free to start. Open mcp.zovo.one/mcp/connect, copy the cash-book 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/cash-book/t/<token>. The token is not optional: the bare https://mcp.zovo.one/mcp/cash-book 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 cash-book.mcpb and double-click it in Claude Desktop.

mcp-cash-book

In the official MCP Registry (io.github.theluckystrike/cash-book). One double-entry ledger over the books you already keep. It reads your invoices, credit notes, purchase orders, deposits, expenses, bank import and fixed asset register, and derives a debit and a credit for every movement in a period: revenue and VAT output from the invoices, receivables and the payments that clear them, deposits held as the liability they are, expenses by category with the VAT taken out of the gross, fixed assets and their monthly depreciation. It proves the trial balance sums to zero to the minor unit, and when it does not it names the document whose own figures do not add up. It writes nothing back into any of those books, and there is no way to type an entry into it: every line carries the server, the document id and the date it came from, so any figure can be walked back to the page it was printed on.

npm publish for @theluckystrike/mcp-cash-book is pending, so npx -y @theluckystrike/mcp-cash-book 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 (Windows: %APPDATA%\Claude\claude_desktop_config.json):

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

Claude Code:

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

Cursor: ~/.cursor/mcp.json (or .cursor/mcp.json in a project), same entry as Claude Desktop.

This server is only useful next to the servers that own the books: mcp-invoice, mcp-billing-docs, mcp-deposits, mcp-expense-tracker, mcp-bank-statement and mcp-asset-register. Every one of them is optional. A store that is not installed is simply absent from the ledger; a store that is installed and unreadable is reported as unreadable, and never read as an empty one.

Tools

tool	what it does
ledger_build	Derives the ledger for one period in one currency and registers the period
period_delete	Removes one built period from the register and gives its free-tier slot back
trial_balance	Totals the debits and the credits and proves they are equal to the minor unit
ledger_lines	Lists the lines, filtered by account, source server, source document or date
month_close	Lists what the month leaves unposted or inconsistent, then closes it with a snapshot
ledger_export_csv	Returns the lines as RFC 4180 CSV, one row per leg
ledger_report	Movement and balance per account, with the purchase commitments and the exceptions
license_status	Free or Pro, and where to upgrade
license_activate	Activates a Pro key, verified offline

Accounts: cash, receivables, revenue, vat_output, vat_input, expenses:<category>, deposits_held, fixed_assets, accumulated_depreciation, depreciation_expense, and purchase_commitments as a memo that is never posted.

Free vs Pro

	Free	Pro
trial_balance	unlimited	unlimited
ledger_lines	unlimited	unlimited
ledger_build	3 periods a calendar month	unlimited
Rebuilding a period already built	free	free
Rebuilding one with nothing changed	refused, names the row	refused, names the row
period_delete	unlimited	unlimited
month_close	-	yes
ledger_export_csv	-	yes
ledger_report	-	yes

The trial balance is free because it is the only question this server exists to answer. A bookkeeper who cannot check that the books add up has no reason to trust anything else here.

ledger_lines already returns every field ledger_export_csv does, bank_ref included: the export is a formatting convenience, an RFC 4180 file with those same fields as columns, not new data. Round 29 (data/user_value_r29.json, prompt 6) measured a model take the Pro refusal on ledger_export_csv correctly, then hand-build a substitute CSV from ledger_lines and drop bank_ref anyway. The gate text now says this plainly, so a client relays ledger_lines instead of reassembling one.

Get Pro: https://mcp.zovo.one/buy/cash-book (one-time, lifetime, verified offline). Or the 46-server bundle for $39.

The measured insight

On the worked month in test/_client.mjs, four of the five bank rows are the same money as a document that was already posted: 1,375,300 of the 1,380,300 minor units of cash movement, 99.6 percent, appear in both books. Posting the bank import as well as the documents, which is the obvious way to build a cash book and the way most spreadsheets do it, moves the cash balance from -10,543.00 to -21,111.00 EUR. It does not look wrong. Every line is individually plausible, the account is off by almost exactly a factor of two, and the trial balance still comes to zero, because each duplicated receipt brought its own contra with it.

So the bank import posts nothing here. It is matched to the posted cash movements as evidence, and the leftovers are the whole point: on that month exactly 7,500 minor units of the bank total, one unexplained withdrawal, is information the documents did not already have. That is the 0.4 percent worth importing a statement for, and it is the part a duplicate-heavy ledger buries.

Privacy

All data stays on your machine. The ledger is derived on each call from the sibling servers' own data directories under ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/, and this server writes only its own cash-book/periods.json and cash-book/closes.json. There is no network call anywhere in src, and no telemetry. License keys are verified offline.

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

First five minutes

Three prompts that scored 3 of 3, measured in round 30, 2026-09-06. Paste one in as it is written.

I run a small studio and I keep my invoices, credit notes, deposits, expenses, bank import and fixed assets in six separate places. Build me a proper double-entry ledger for June 2026 in EUR and tell me straight: do the books balance?

Paste this into Claude with the server connected.

What it did, measured in round 30, 2026-09-06: This is a different, smaller fixture than round 29's 22-line/16,383.00 stdio build because this recipe registers only three of the six sibling stores; the model caught exactly that gap on its own and named it as a real reconciliation hole rather than treating a balanced trial balance as proof of completeness -- the behaviour Extension 16 identifies as the failure mode this server exists to make visible.

Walk me through the cash account. Show me every line that hits cash, where each one came from, and whether the bank statement backs it up.

Paste this into Claude with the server connected.

What it did, measured in round 30, 2026-09-06: One tool call, all figures and source ids exact.

I imported my bank statement for June. Why is none of it in the ledger? Surely the bank is the most reliable record I have.

Paste this into Claude with the server connected.

What it did, measured in round 30, 2026-09-06: Because this recipe's registration set genuinely has no bank-statement lane, round 29's exact scenario (a real import that is deliberately not posted) cannot occur here.

On the free tier for this path: trial_balance and ledger_lines are free and unlimited on every tier: whether the books add up is the question this server exists for, and a free tier that hides the answer is a demo. The meter is on the PERIOD, three distinct periods a calendar month, keyed by from, to and currency, so rebuilding one already in the register is free forever on every tier.

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

Compared with the alternatives

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

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 · Which MCP server can generate invoice PDFs from a chat message? · Can an MCP server read a bank statement PDF and categorise the transactions? · Best MCP servers for small business accounting and paperwork in 2026 · MCP Supplier Directory: keep supplier lists from rotting in a spreadsheet · MCP Service Agreement: stop copying a rotting contract template off the internet · MCP Maintenance Log: know what service is due without anyone remembering · MCP Mileage Log: keep the deductible log at the moment of the drive, not in April · Invoice payment terms best practices: Net 30, due date and late fees · How to categorize bank transactions · Petty cash log template · Ask questions about a spreadsheet in chat, no formulas needed · Turn a quote or estimate into an invoice without retyping it · Produce a delivery schedule and a work order from a chat · Use MCP servers without installing anything, by pasting a URL · MCP servers for small business accounting: the roundup · How to find and pay for MCP servers · Track billable hours as timesheet entries instead of a wall-clock timer · Convert a CSV into JSON for an API import or a dev tool · Build an NDA or mutual confidentiality agreement from clauses · Make a packing list or delivery note from the order in chat · Run a stock count with barcodes and update the catalogue in chat · Merge PDF files in Claude or Cursor without uploading them anywhere · Split a PDF into separate documents from the chat window · Track expenses and budgets inside Claude without a SaaS subscription · Run pomodoro focus sessions from Claude and bill the hours after · Track product prices and get drop alerts from your AI chat · Track billable time and export timesheets from your AI chat · Keep invoice numbers sequential and never reuse one · ATS resume check and cover letter from chat: pass the parser before the recruiter · Freelancer invoicing from chat: billable hours to invoice lines to PDF without a SaaS subscription · Price drop alerts and PDF cleanup from chat: two small jobs you keep postponing · All guides

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