Free 📄 Statement of Account Maker Free PDF
A statement of account maker for freelancers and small businesses in the EU and US: list your invoices, payments and credit notes, watch the balance due compute live, and download a clean statement PDF — free, no signup, built entirely on your device. The tool starts with a realistic example (two invoices, one payment) so the layout is visible immediately.
🔒 Your data never leaves this page
- The statement is assembled 100% in your browser — nothing is uploaded to any server.
- No account, no email capture, no tracking of your business figures.
- Invoices, payments and balances stay on your device by design. Why that matters →
Business & client
Invoices issued
Payments received
Credit notes
Make a statement in 3 steps
- Enter business, client, period and currency. One statement covers one client, one period and one currency — the tool starts with a realistic example so the layout is visible immediately.
- Add invoices, payments and credit notes. Each section has its own rows; the balance due updates live as you type, so errors show up before you send anything.
- Download the PDF. One click builds a clean statement PDF on your device, ready to email to your client — pair it with our invoice generator for the invoices themselves.
The formula behind the balance
Balance due = total invoiced − payments received − credit notes. That is the whole calculation, and it is why the three sections are kept apart: mixing a credit note into the invoice list, or a payment into the credit list, is the most common reason statements disagree with bookkeeping. Our profit and loss statement maker uses the same discipline — one section per kind of money, totals computed from the sections, never typed by hand.
Worked example: you invoiced €1,200 in September and €850 in October (total €2,050). Your client paid €1,200 in September and you issued no credit notes. Balance due = €2,050 − €1,200 − €0 = €850 — exactly what the pre-filled example above shows. If the client then pays €850, the balance becomes €0 and the statement proves the account is settled.
Why statements get sent at month-end
Under the EU Late Payment Directive (2011/7/EU), the default payment term in business-to-business transactions is 30 days unless the contract says otherwise — which is why a monthly statement is the standard reminder: it lands before the term expires, with every unpaid invoice listed. A statement is not a new invoice and not a legal threat; it is the polite, complete record that makes payment easy. Send it monthly, keep the same format, and keep every statement with the invoices behind it — our invoice archiving guide explains how to file them so an audit or a dispute is painless.
Reading your own statement
🧾 One client per statement
A statement answers one question — "what does this customer owe me?" Mixing clients makes it unanswerable. Generate one PDF per client, even if the period is the same.
💶 One currency, every time
A statement mixing EUR invoices with a USD payment produces a total nobody can trust. If a client pays in two currencies, issue two statements — and reconcile each against your bank statement export.
📅 Send monthly, even at zero
A zero-balance statement ("account settled") is worth sending: it confirms payment, closes the period, and stops the "did you get my transfer?" emails.
💾 File it with the invoices
Download each statement and keep it beside the invoices and receipts it summarises. Because nothing is uploaded, nothing is stored for you — your records are yours alone, which is the point.
Straight talk: limits
⚖️ Not accounting or tax advice
The tool adds up the figures you enter; it does not verify them, classify them under your country's rules, or prepare a tax return. For filings and disputes, reconcile with your bookkeeping and an accountant.
📝 A summary, not the ledger
This is the summary document, not the underlying records. Keep the invoices, receipts and bank statements behind it — a statement without source documents will not survive an audit.
🔤 Plain text only
The PDF uses a standard font for maximum compatibility, so exotic scripts in business names are simplified. Keep names in standard Latin characters for the cleanest output.
Statement of Account FAQ
What is a statement of account?
A statement of account is a summary document sent to a customer showing every invoice issued, every payment received and any credit notes over a period, with the balance still due at the end. It is the document businesses send when they want to be paid, or when a customer asks what they owe.
Is this statement of account maker really free?
Yes — unlimited statements, every field and PDF download, forever. No trial, no watermark, no account and no payment details. It runs entirely in your browser.
How is the balance due calculated?
Balance due equals total invoiced minus payments received minus credit notes. The tool updates this figure live as you type, so you always see the exact amount outstanding before you download the PDF.
Can I use this statement to chase late payment?
Yes — a clear statement is the standard first step in chasing payment. It shows the customer exactly which invoices are unpaid, which removes most payment disputes. For formal legal steps, take advice for your country.
Which currencies are supported?
EUR, USD, GBP and CHF are supported, and every total updates live in the chosen currency. Keep one statement in one currency; never mix currencies in the same period.
Where is my financial data stored?
Only in this browser tab while you type. The PDF is assembled on your own device with a JavaScript PDF library — your invoices, payments and balances are never uploaded to any server.
Is this statement a substitute for my accounting records?
No. The statement is a summary document, not the underlying records. Keep the invoices, receipts and bank statements behind it — a statement without source documents will not survive an audit or a lender's questions.
