Koskamo

Zovo Average Balance MCP

Calculates average monthly and daily balances from bank statement transactions, carrying balances forward over weekends, checking arithmetic, and generating Excel workbooks and PDF summaries for visa or loan applications.

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Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Zovo Average Balance MCP logo, by ZovoCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-08Published by Zovo
MCP endpoint (Streamable HTTP)
https://avg-balance.zovo.one/mcp
Vendor documentation

What its tools do

1 tool, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (1)

1 of 1 have a description · 1 of 1 declare behavior hints · 1 of 1 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Calculate average monthly balance weighted by calendar day
  • Check running balance arithmetic and list differing rows
  • Generate Excel workbook and PDF summary for proof of funds
  • Flag recurring salary credits and large one-off deposits

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/avg-balance@1.0.0Project website

Protocol and capabilities

Server
avg-balance 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
1 advertised
Resources
1 advertised
Resource templates
1 advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Zovo Average Balance works out the average monthly balance and the average daily balance from bank statement transactions, weighting each calendar day and carrying the balance forward over days with no transactions. It checks the printed running balance row by row, finds the lowest and highest daily balance, month-end balances, credits and debits per month, recurring salary-like credits and large one-off deposits, and returns an Excel workbook and a 1-page PDF summary for a visa or loan file. Put the rows into transactions (convert pasted text or a screenshot into the fields). It does not connect to banks and the PDF is not a bank certificate.

Tools

1 advertised

calculate_average_balance — Calculate average balance
Advertised by the server during the last successful anonymous check.
Advertised read-only

Use this when the user wants an average monthly balance calculator, a bank statement average balance, an average daily balance or proof of funds figures from their transactions. Put the statement rows into transactions (date, description, amount or credit/debit, running balance); convert pasted text or a screenshot into those fields, and use file or statement_text only as a fallback. Each calendar day is counted and the balance carries forward over days with no transactions. Returns the average per month and for the period, lowest and highest daily balance with dates, month-end balances, credits and debits per month, a running balance check that lists rows that differ, recurring salary-like credits, large one-off deposits, an Excel workbook and a 1-page PDF summary. Without an opening balance or a running balance it gives the relative change only. Does not connect to banks, read scans, or issue a bank certificate.

calculate_average_balance input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "file": {
      "type": "object",
      "required": [
        "download_url",
        "file_id"
      ],
      "properties": {
        "file_id": {
          "type": "string",
          "description": "ChatGPT file id, e.g. file_abc123."
        },
        "file_name": {
          "type": "string",
          "description": "Original file name if known, e.g. statement.pdf."
        },
        "mime_type": {
          "type": "string",
          "description": "Media type if known, e.g. application/pdf."
        },
        "download_url": {
          "type": "string",
          "description": "Temporary download link for the file, supplied by ChatGPT."
        }
      },
      "description": "Fallback: the statement file the user attached (CSV, Excel .xlsx or a text PDF), e.g. statement.pdf. Prefer transactions when the rows are in the chat."
    },
    "currency": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional currency, e.g. \"USD\", \"INR\", \"₱\" or \"EUR\". Default: read from the amounts, else none shown."
    },
    "bank_name": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional bank name for the PDF, e.g. \"HDFC Bank\"."
    },
    "page_size": {
      "type": [
        "string",
        "null"
      ],
      "description": "PDF page: \"A4\" (default) or \"Letter\"."
    },
    "date_order": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional order for dates like 03/09/2026: \"dmy\" (day first, India, UK, Philippines) or \"mdy\" (US). Default: decided from the dates; US when nothing decides it."
    },
    "period_end": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional last day of the statement period, e.g. \"2026-09-30\". Days after the last transaction carry the last balance. Default: the last transaction date."
    },
    "period_start": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional first day of the statement period, e.g. \"2026-07-01\". Days before the first transaction carry the opening balance. Default: the first transaction date."
    },
    "prepared_for": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional purpose line for the PDF, e.g. \"Schengen visa application\" or \"Home loan file\"."
    },
    "transactions": {
      "anyOf": [
        {
          "anyOf": [
            {
              "type": "array",
              "items": {
                "anyOf": [
                  {
                    "type": "object",
                    "properties": {
                      "date": {
                        "type": [
                          "string",
                          "number",
                          "null"
                        ],
                        "description": "Transaction date, e.g. \"2026-09-03\", \"03/09/2026\" or \"Sep 3, 2026\"."
                      },
                      "debit": {
                        "type": [
                          "number",
                          "string",
                          "null"
                        ],
                        "description": "Money out (withdrawal) for this row as a positive number, e.g. 45.10."
                      },
                      "amount": {
                        "type": [
                          "number",
                          "string",
                          "null"
                        ],
                        "description": "Signed amount: money in positive, money out negative, e.g. 2500 or -45.10. Or use credit and debit."
                      },
                      "credit": {
                        "type": [
                          "number",
                          "string",
                          "null"
                        ],
                        "description": "Money in (deposit) for this row, e.g. 2500. Leave empty for a debit."
                      },
                      "balance": {
                        "type": [
                          "number",
                          "string",
                          "null"
                        ],
                        "description": "Running balance printed after this row, e.g. 3120.55. Copy it whenever the statement shows it."
                      },
                      "description": {
                        "type": [
                          "string",
                          "null"
                        ],
                        "description": "Narration or payee, e.g. \"Salary ACME Ltd\"."
                      }
                    },
                    "additionalProperties": {}
                  },
                  {
                    "type": "string"
                  }
                ]
              }
            },
            {
              "type": "string"
            }
          ]
        },
        {
          "type": "null"
        }
      ],
      "description": "The statement rows as objects, oldest or newest first: [{\"date\":\"2026-09-01\",\"description\":\"Salary\",\"amount\":2500,\"balance\":3100}]. Convert a pasted statement or a screenshot into these fields. Copy the running balance column when there is one. Up to 5,000 rows."
    },
    "account_label": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional account label for the PDF, e.g. \"Savings ****1234\". Long numbers are masked to the last 4 digits."
    },
    "balance_basis": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional: \"computed\" (default, opening balance plus transactions) or \"printed\" (use the statement's running balance wherever it is printed)."
    },
    "account_holder": {
      "type": [
        "string",
        "null"
      ],
      "description": "Optional name printed on the PDF summary, any script, e.g. \"Nguyễn Văn An\"."
    },
    "statement_text": {
      "type": [
        "string",
        "null"
      ],
      "description": "Fallback only: statement rows pasted as text or CSV, one row per line, e.g. \"2026-09-01, Salary, 2500.00, 3100.00\". Prefer transactions."
    },
    "statement_year": {
      "type": [
        "number",
        "string",
        "null"
      ],
      "description": "Optional year for dates written without one, e.g. 2026."
    },
    "closing_balance": {
      "type": [
        "number",
        "string",
        "null"
      ],
      "description": "Optional balance at the end of the period, e.g. 3400.10. Used to check the rows, or to work out the opening balance when nothing else gives it."
    },
    "minimum_balance": {
      "type": [
        "number",
        "string",
        "null"
      ],
      "description": "Optional minimum average monthly balance the bank requires, e.g. 10000. Each month is checked against it."
    },
    "opening_balance": {
      "type": [
        "number",
        "string",
        "null"
      ],
      "description": "Balance at the start of the period (before the first transaction), e.g. 1250.00. Leave empty when the rows have a running balance: it is worked out from the first one."
    },
    "large_deposit_threshold": {
      "type": [
        "number",
        "string",
        "null"
      ],
      "description": "Optional size of a credit to flag as a large one-off deposit: a percent of the average balance (\"50%\", the default) or an amount (5000)."
    }
  }
}
calculate_average_balance output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "absolute",
    "currency",
    "period",
    "opening_balance",
    "opening_source",
    "average_balance",
    "average_formatted",
    "lowest",
    "highest",
    "closing_balance",
    "total_credits",
    "total_debits",
    "transactions",
    "months",
    "running_balance_check",
    "printed_basis_average",
    "closing_check",
    "recurring_credits",
    "large_deposits",
    "large_deposits_count",
    "large_deposit_rule",
    "minimum_balance",
    "source",
    "assumptions",
    "warnings",
    "downloads"
  ],
  "properties": {
    "lowest": {
      "type": "object",
      "required": [
        "amount",
        "date"
      ],
      "properties": {
        "date": {
          "type": "string"
        },
        "amount": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "months": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "month",
          "days",
          "partial",
          "average",
          "lowest",
          "lowest_date",
          "highest",
          "highest_date",
          "month_end",
          "credits",
          "debits",
          "meets_minimum"
        ],
        "properties": {
          "days": {
            "type": "number"
          },
          "month": {
            "type": "string"
          },
          "debits": {
            "type": "string"
          },
          "lowest": {
            "type": "string"
          },
          "average": {
            "type": "string"
          },
          "credits": {
            "type": "string"
          },
          "highest": {
            "type": "string"
          },
          "partial": {
            "type": "boolean"
          },
          "month_end": {
            "type": "string"
          },
          "lowest_date": {
            "type": "string"
          },
          "highest_date": {
            "type": "string"
          },
          "meets_minimum": {
            "type": [
              "boolean",
              "null"
            ]
          }
        },
        "additionalProperties": false
      }
    },
    "period": {
      "type": "object",
      "required": [
        "start",
        "end",
        "days"
      ],
      "properties": {
        "end": {
          "type": "string"
        },
        "days": {
          "type": "number"
        },
        "start": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "source": {
      "type": "string"
    },
    "highest": {
      "type": "object",
      "required": [
        "amount",
        "date"
      ],
      "properties": {
        "date": {
          "type": "string"
        },
        "amount": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "absolute": {
      "type": "boolean"
    },
    "currency": {
      "type": [
        "string",
        "null"
      ]
    },
    "warnings": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "downloads": {
      "type": "object",
      "required": [
        "xlsx",
        "pdf"
      ],
      "properties": {
        "pdf": {
          "type": "string"
        },
        "xlsx": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "assumptions": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "months_shown": {
      "type": "object",
      "required": [
        "shown",
        "total"
      ],
      "properties": {
        "shown": {
          "type": "number"
        },
        "total": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "total_debits": {
      "type": "string"
    },
    "transactions": {
      "type": "number"
    },
    "closing_check": {
      "anyOf": [
        {
          "type": "object",
          "required": [
            "given",
            "computed",
            "difference"
          ],
          "properties": {
            "given": {
              "type": "string"
            },
            "computed": {
              "type": "string"
            },
            "difference": {
              "type": "string"
            }
          },
          "additionalProperties": false
        },
        {
          "type": "null"
        }
      ]
    },
    "total_credits": {
      "type": "string"
    },
    "large_deposits": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "row",
          "date",
          "description",
          "amount",
          "last_30_days",
          "salary_word"
        ],
        "properties": {
          "row": {
            "type": "number"
          },
          "date": {
            "type": "string"
          },
          "amount": {
            "type": "string"
          },
          "description": {
            "type": "string"
          },
          "salary_word": {
            "type": "boolean"
          },
          "last_30_days": {
            "type": "boolean"
          }
        },
        "additionalProperties": false
      }
    },
    "opening_source": {
      "type": "string"
    },
    "average_balance": {
      "type": "string"
    },
    "closing_balance": {
      "type": "string"
    },
    "minimum_balance": {
      "anyOf": [
        {
          "type": "object",
          "required": [
            "amount",
            "months_below"
          ],
          "properties": {
            "amount": {
              "type": "string"
            },
            "months_below": {
              "type": "array",
              "items": {
                "type": "string"
              }
            }
          },
          "additionalProperties": false
        },
        {
          "type": "null"
        }
      ]
    },
    "opening_balance": {
      "type": [
        "string",
        "null"
      ]
    },
    "average_formatted": {
      "type": "string"
    },
    "recurring_credits": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "description",
          "count",
          "cadence",
          "average",
          "salary_like"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "average": {
            "type": "string"
          },
          "cadence": {
            "type": "string"
          },
          "description": {
            "type": "string"
          },
          "salary_like": {
            "type": "boolean"
          }
        },
        "additionalProperties": false
      }
    },
    "large_deposit_rule": {
      "type": "string"
    },
    "large_deposits_count": {
      "type": "number"
    },
    "printed_basis_average": {
      "type": [
        "string",
        "null"
      ]
    },
    "running_balance_check": {
      "type": "object",
      "required": [
        "checked",
        "mismatches",
        "same_day_order_rows",
        "rows"
      ],
      "properties": {
        "rows": {
          "type": "array",
          "items": {
            "type": "object",
            "required": [
              "row",
              "date",
              "printed",
              "computed",
              "difference",
              "starts_here",
              "same_day_order"
            ],
            "properties": {
              "row": {
                "type": "number"
              },
              "date": {
                "type": "string"
              },
              "printed": {
                "type": "string"
              },
              "computed": {
                "type": "string"
              },
              "difference": {
                "type": "string"
              },
              "starts_here": {
                "type": "boolean"
              },
              "same_day_order": {
                "type": "boolean"
              }
            },
            "additionalProperties": false
          }
        },
        "checked": {
          "type": "number"
        },
        "mismatches": {
          "type": "number"
        },
        "same_day_order_rows": {
          "type": "number"
        }
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}
calculate_average_balance annotations
{
  "title": "Calculate average balance",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

1 advertised

avg-balance-widget — Zovo Average Balance view

Advertised by the server during the last successful anonymous check.

Interactive view for Zovo Average Balance.

avg-balance-widget URI
ui://widget/avg-balance-v1-1.0.0-4ed2bbaf08d7a25c8e953d2d0a090534ba73d01242de250933b80249675796e7.html

MIME type: text/html;profile=mcp-app

avg-balance-widget-legacy — Zovo Average Balance view (previous versions)

Advertised by the server during the last successful anonymous check.

avg-balance-widget-legacy URI template
ui://widget/avg-balance-{version}.html

MIME type: text/html;profile=mcp-app

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (1 of 1 answered).

  1. 2026-11-09: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
1926 ms
95th percentile latency
1926 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 1926 ms · metadata changed · 1 tool(s), 1 resource(s), 1 resource template(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http zovo-average-balance-mcp https://avg-balance.zovo.one/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add zovo-average-balance-mcp --url https://avg-balance.zovo.one/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable zovo-average-balance-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "zovo-average-balance-mcp": {
      "url": "https://avg-balance.zovo.one/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "zovo-average-balance-mcp": {
      "type": "streamableHttp",
      "url": "https://avg-balance.zovo.one/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start zovo-average-balance-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "zovo-average-balance-mcp": {
      "type": "http",
      "url": "https://avg-balance.zovo.one/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http zovo-average-balance-mcp https://avg-balance.zovo.one/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://avg-balance.zovo.one/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "zovo-average-balance-mcp": {
      "serverUrl": "https://avg-balance.zovo.one/mcp"
    }
  }
}

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