Statement of account generator

Works out a running balance and a 30/60/90-day ageing summary from the invoices and payments you list, applying payments to the oldest charges first, and prints the balance due in lakh and crore words.

In short

A statement of account lists what a customer has been invoiced and has paid, with a running balance, so both sides can agree what is owed. This generator sorts your entries by date, keeps the balance, shows what is overdue in 30, 60 and 90-day bands, and writes the balance in words. Export PDF, sheet or image; nothing is uploaded.

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How to use it

Add your logo and business details. They are remembered in this browser for next time.
Enter the customer, the statement number and the statement date.
List each invoice, credit note and payment with its date and amount. Give each invoice a due date.
Check the running balance and the ageing bands in the preview.
Download the PDF to send, the sheet to keep, or the image for WhatsApp.

How it calculates

Entries are sorted by date and the balance runs down the page: charges (invoices and balance brought forward) add, credit notes and payments subtract, all in whole paisa. For the ageing, payments and credit notes are applied to the oldest charges first, by due date; what remains of each charge is placed in a band by how many days past its due date it is on the statement date. A charge with no due date counts as due on its own date, and entries dated after the statement date are left out.

In the example above, a statement lists four invoices, two payments and a credit note for one customer. The balance runs down the page, and the ageing strip shows what is still unpaid in each band after the payments and credit note are applied to the oldest charges first. The business, customer and figures are made up; yours come from the entries you type.

Who should use it

Small traders and suppliers who chase a few regular customers for payment
Accounts staff who send customers a monthly statement before a payment run
Anyone who wants to show a customer exactly which invoices are overdue and by how long

Who should not use this

Businesses that need statements produced automatically from accounting software; this works only from the entries you type
Anyone who needs interest, late fees or tax calculated on overdue amounts; this adds none
Anyone who needs a legally binding record of a debt; a statement is a summary, not proof of the debt

Limitations

The tool works only from the entries you type. It does not check them against your invoices.
Payments are applied to the oldest charges first, by due date. If you apply a payment to a specific invoice, the bands may differ from your own records.
Your customer’s name and the entries are not saved between visits, so each statement starts fresh.
The PDF is drawn with standard PDF fonts. Urdu or other non-Latin text cannot be drawn into the PDF yet; use the Image export for those.
Nothing is uploaded or stored on a server. Clearing your browser data also removes the saved profile.

Common questions

How are the 30, 60 and 90-day bands worked out?

By how many days each unpaid charge is past its due date on the statement date: 1 to 30, 31 to 60, 61 to 90, and over 90. Charges not yet due are shown separately.

Which invoice does a payment clear?

The oldest unpaid charge first, by due date, then the next. Credit notes work the same way. The statement says so at the foot of the page.

Is my customer’s information uploaded?

No. The statement is built on your own device. Only your business details and logo are remembered, in this browser, and the customer and entries are not saved at all.

Related tools

This tool produces a document from the information you type. It does not give legal, tax or accounting advice, and it does not check that your figures or rates are right. See the disclaimer. Found a mistake? Report an error in a calculation.