Zovo Average Balance
Average monthly balance from a bank statement, every calendar day counted.
Zovo Average Balance is an average monthly balance calculator for bank statements. Give it the transactions with the running balance (or an opening balance) and it works out the end-of-day balance for each calendar day, carrying it forward over weekends and quiet days, then the day-weighted average for each month and for the whole period. It checks each printed running balance against the arithmetic and lists the rows that differ, finds the lowest and highest daily balance with their dates, month-end balances, credits and debits per month, recurring salary-like credits and large one-off deposits. You get an Excel workbook with a row for each day and a 1-page PDF summary to add to a visa, proof of funds or loan file.
What it does
- Average balance per month and for the period, weighted by calendar day
- Balance carried forward over days with no transactions
- Running balance check that lists every row that differs
- Lowest and highest daily balance with dates, month-end balances, credits and debits per month
- Salary-like recurring credits and large one-off deposits flagged, with a threshold you can set
- Minimum average balance check per month (for bank AMB rules)
- Excel workbook and a 1-page PDF summary, names in any script
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Limitations
- Does not connect to bank accounts or read scanned images
- The PDF is a calculation from the rows given, not a bank certificate
- Uses end-of-day balances; intraday and value-date rules of a specific bank are not modelled
- Up to 5,000 transactions and about 3 years per run
Add it
https://avg-balance.zovo.one/mcp. No sign-in is needed. Once Zovo Average Balance is listed in the Claude connector directory, you can add it from there too.Other MCP clients can connect to the same endpoint: https://avg-balance.zovo.one/mcp