latepayers: accounts receivable aging report from an invoice CSV

See who owes you money, how late each invoice is, and who to chase first. For freelancers, small businesses and bookkeepers tracking overdue invoices in spreadsheets.

Late payments quietly drain cash flow. latepayers reads an invoice export as CSV and builds an AR aging report with the standard buckets, per customer, ranked by overdue money and age. It also shows how late each customer usually pays. It's an MCP server and a single Go binary, with no account, no API key and no network access.

What you can ask your agent

• "Who owes me money, and how late are they?"
• "Which overdue invoices should I chase first?"
• "Build an accounts receivable aging report."
• "Which customers always pay late?"

Install

As a Claude Code plugin, which adds the MCP server and a skill that tells Claude when to use it. You need Node, which runs the server through npx:

claude plugin marketplace add GillMacedo/latepayers
claude plugin install latepayers@latepayers-marketplace

For other MCP clients:

{
  "mcpServers": {
    "latepayers": {
      "command": "npx",
      "args": ["-y", "latepayers", "serve"]
    }
  }
}

Or build the binary with Go 1.27 or newer:

go install github.com/GillMacedo/latepayers@latest

Usage

Without installing anything, run npx latepayers check invoices.csv. It uses today's date unless you pass --as-of. This example uses the made-up file in examples/:

$ go run . check examples/invoices.csv --as-of 2026-10-31
As of 2026-10-31: 5745.50 open, 3745.50 overdue (65.2%)
not due: 2000.00 | 1-30: 500.00 | 31-60: 975.00 | 61-90: 0.00 | 90+: 2270.50
Chase first:
  Example Supplies Ltd  1700.00 overdue of 1700.00 open, oldest 92 days
    INV-2001  1200.00  due 2026-07-31  92 days late
    INV-2002  500.00  due 2026-10-01  30 days late
  Demo Bakery  620.00 overdue of 620.00 open, oldest 122 days
    INV-2009  620.00  due 2026-07-01  122 days late
  Fictional Cafe  450.50 overdue of 450.50 open, oldest 139 days, usually pays 25.0 days late
    INV-2003  450.50  due 2026-06-14  139 days late
  Sample Widgets  975.00 overdue of 2975.00 open, oldest 42 days, usually pays 3.0 days early
    INV-2007  975.00  due 2026-09-19  42 days late
    INV-2006  2000.00  due 2026-11-09  not late
CREDIT  INV-2010  -75.00
SKIPPED row 13: no customer, amount or date

Add --terms 45 to set payment terms for invoices with no due date, and --json for machine-readable output.

How it calculates

Negative balances are listed as credits and left out of the totals. Repeated invoice numbers and mixed currencies produce warnings.

MCP tools

Both are read-only, and neither can contact anyone. `receivables_agi

... View full README on GitHub