Retainer

mcp-deposits

Security and retainer deposits, held per client, on the same engine as your invoices.

A deposit is the client's money sitting on your account. It has to be recorded when it arrives, set against an invoice when the work is billed, given back when it is not, and answered for at any point in between: how much of theirs are you holding, in which currency, since when. This server does those four things, against the invoices and the clients the mcp-invoice server already holds. When a deposit is applied to an invoice, the payment is recorded on that invoice, so invoice_list and overdue_report stop chasing money you already have. Everything stays on your machine.

Built on @theluckystrike/mcp-invoice/lib for the money, currency and store code, and on @theluckystrike/mcp-billing-docs/lib for the A4 page, so a deposit statement looks like the credit note and the invoice next to it and agrees with them to the minor unit.

In the [official MCP Registry](https://registry.modelcontextprotocol.io/v0.1/servers/io.github.theluckystrike%2Fdeposits/versions/latest) (io.github.theluckystrike/deposits).

npm publish for @theluckystrike/mcp-deposits is pending, so npx -y @theluckystrike/mcp-deposits returns 404 today. Until then, the .mcpb one-click bundle or a clone+build is the working path.

Install

Claude Desktop (claude_desktop_config.json):

{

"mcpServers": { "deposits": { "command": "npx", "args": ["-y", "@theluckystrike/mcp-deposits"] } } }

Claude Code:

claude mcp add deposits -- npx -y @theluckystrike/mcp-deposits

Cursor (.cursor/mcp.json):

{

"mcpServers": { "deposits": { "command": "npx", "args": ["-y", "@theluckystrike/mcp-deposits"] } } }

Run mcp-invoice alongside it: this server reads that server's invoices and clients, writes the payment an applied deposit makes onto the invoice, and both take their name, address, VAT id and default currency from one shared business profile.

Tools

One resource, deposits://held, and one prompt, settle_deposits.

Free vs Pro

The free cap is on recording new deposits only. Money already held can always be applied, refunded and accounted for, on any tier: a limit that trapped a client's deposit would be a limit on their money, not on yours.

The cap counts the deposits stored with a received date in that month, so deposit_delete gives the slot straight back: a deposit typed in twice or with the wrong amount costs nothing but the id. deposit_record also refuses a deposit that matches one already stored on client, amount, currency, kind, received date and reference, names that id and stores nothing, so the same money is never held twice and no free slot is spent on a retry.

Get Pro: https://mcp.zovo.one/buy/deposits ($19 one-time for this server, $39 for the bundle).

A measured thing

The invoice server's own payment tool SETS the amount paid, so routing a deposit through it erases the payment that came before. Measured against servers/invoice/dist/index.js on a EUR 1,000.00 invoice: invoice_mark_paid {amount: 200} for a bank transfer, then invoice_mark_paid {amount: 300} for the deposit, leaves paid_minor at 30000 and the reply reads "balance due EUR 700.00". The EUR 200.00 that actually arrived is gone from the record, and the client gets chased for it.

deposit_apply writes the same three fields on the same record, paid_minor, paid_date, status, but ADDS: the same two payments leave paid_minor at 50000 and a balance due of EUR 500.00. Asserted in test/unit.test.mjs, "a second application ADDS to paid_minor, it does not replace it".

The general form: a store shared between two servers is safe to write only if you have read how the owning server writes it. The field names matching is not the contract; the arithmetic on them is.

Privacy

All data stays local: ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/deposits/. No account, no API key, no network call, ever. Licence keys are verified offline.

Built by theluckystrike. Support: support@zovo.one

Use these docs as an MCP server

Any MCP client (Claude, Cursor, Windsurf, VS Code) can read this repository's documentation directly via GitMCP - no install:

• Docs MCP URL: https://gitmcp.io/theluckystrike/mcp-deposits