Statement of Account Generator
Free Statement of Account Generator
Create a professional statement of account that summarizes opening balance, invoices, payments, and the closing balance. Review the live preview and download a PDF.
What Is a Statement of Account?
A statement of account summarizes a customer’s activity over a period. It starts with an opening balance, lists invoices, payments, credit notes, and adjustments, and ends with a closing balance. Businesses use it to show what happened on the account without issuing a new bill for a single sale.
It is not an invoice and it is not a bank statement. Amount due, amount paid, due date, bank details, and QR payment fields belong on an invoice. A bank statement is issued by a bank for a bank account.
Use the generator above to fill in the form, review the live preview, and download a PDF. Treat this as a practical template, not legal or accounting advice. Requirements vary by business and country.
How to Create a Statement of Account
- Enter the statement number, statement date, and the period start and end dates.
- Add business and customer names and addresses. Phone, email, and customer reference are optional.
- Enter the opening balance. Zero is allowed. Negative opening balances are allowed.
- Add invoices, payments, credit notes, or adjustments. Enter type and amount; debit and credit columns are calculated for you. Transactions are optional.
- Review the live statement of account preview, then generate and download the PDF. No account is required.
Statement of Account Template and Format
Use this as a practical checklist of what this generator supports, not as a legal minimum.
Common fields — statement number, statement date, statement period, business, customer, opening balance, transaction history, total debits, total credits, and closing balance.
Optional fields — phone, email, customer reference, transaction rows, reference numbers, notes, logo, and signature.
Transaction types in this template are Invoice, Payment, Credit Note, and Adjustment. Debit, credit, and running balance are derived. The document does not include amount due, balance due, due date, or payment collection fields.
Statement of Account Example
The sample below uses the same layout as the live preview. It is a fictional September 2026 statement from Northstar Design Studio to Harbor & Co. It is not a real customer document.
STATEMENT OF ACCOUNT
| Opening Balance | USD 1250.00 |
| Total Debits | USD 1450.00 |
| Total Credits | USD 600.00 |
| Closing Balance | USD 2100.00 |
| Date | Type | Reference | Description | Debit | Credit | Balance |
|---|---|---|---|---|---|---|
| 2026-09-03 | Invoice | INV-1042 | Website Design | USD 850.00 | USD 2100.00 | |
| 2026-09-10 | Payment | PAY-218 | Payment received | USD 500.00 | USD 1600.00 | |
| 2026-09-17 | Invoice | INV-1051 | Monthly Design Services | USD 600.00 | USD 2200.00 | |
| 2026-09-25 | Credit Note | CN-008 | Service credit | USD 100.00 | USD 2100.00 |
Read the sample from top to bottom:
- Statement number — SOA-10482, covering 1–30 September 2026.
- Opening balance — USD 1,250.00 already outstanding at the start of the period.
- Transactions — website design invoice 850, payment 500, monthly services invoice 600, and a 100 service credit. Total debits USD 1,450.00, total credits USD 600.00, closing balance USD 2,100.00.
Statement of Account vs Invoice
An invoice bills one sale. A statement of account summarizes several invoices, payments, and other activity for one customer over a period. This statement can include invoice references, but it is not itself an invoice.
| Topic | Statement of Account | Invoice |
|---|---|---|
| Purpose | Summarizes customer activity over a period. | Requests payment for a specific sale. |
| Totals | Opening balance, total debits, total credits, closing balance. | Amount due, amount paid, and balance due. |
| This site | This page creates a statement of account PDF. | Use the invoice generator. |
Statement of Account vs Bank Statement
A bank statement is issued by a bank and lists money moving in and out of a bank account. A statement of account is issued by a business to a customer and lists invoices, payments, and related activity. This generator does not create a bank statement and does not connect to a bank.
Frequently Asked Questions
What is a statement of account?
A statement of account is a summary of a customer’s activity over a period. It typically shows the opening balance, invoices, payments, credit notes, adjustments, and the closing balance. It is not a request for payment on its own, and it is not a bank statement.
What is included in a statement of account?
This generator supports a statement number, statement date, statement period, currency, business and customer details, an opening balance, optional transaction rows, notes, a logo, and an optional signature. Each transaction can include a date, type, reference, description, and amount. Debit, credit, and running balance columns are calculated automatically.
What is the difference between a statement of account and an invoice?
An invoice bills a specific sale. A statement of account summarizes several invoices, payments, and other activity for a customer over a period. This page does not create an invoice and does not show amount due, amount paid, or balance due as invoice fields.
What is the difference between a statement of account and a bank statement?
A bank statement is issued by a bank and lists deposits and withdrawals on a bank account. A statement of account is issued by a business to a customer and lists invoices, payments, and related activity. This generator creates a customer statement of account, not a bank statement.
How do I create a statement of account?
Fill in the form above with the statement number, dates, business, and customer. Add an opening balance and any invoices, payments, credit notes, or adjustments for the period. Review the live preview, then choose Generate Statement of Account to download a PDF. No account is required.
What is an opening balance?
The opening balance is the amount already outstanding at the start of the statement period. It can be zero or negative. Later transactions are applied to this starting figure in the order you enter them.
What is a closing balance?
The closing balance is the running balance after every listed transaction. It is calculated as opening balance plus debits minus credits. A negative closing balance is still shown as closing balance.
Can I create a statement of account as a PDF?
Yes. Review the live preview, then choose Generate Statement of Account. You can download the PDF without creating an account. This page does not save the document to the invoice dashboard.
Can I use a statement of account to summarize invoices and payments?
Yes. Add each invoice, payment, credit note, or adjustment as a transaction row. The preview derives debit and credit from the transaction type and keeps a running balance. The generator does not import invoices from elsewhere in the application.
Is this statement of account generator free?
Yes. This page is a free statement of account generator. Fill in the form, review the live preview, and download a PDF. No account is required. The document is a practical template, not legal or accounting advice.