Free Statement of Account Template and Billing Statement Example
Summarize opening balance, charges, invoices, payments, credits and closing balance with a professional account statement or customer billing statement.
Statement of account answer
Use a statement when one invoice is not enough
A statement of account is a customer balance summary. It shows the opening balance, new invoices or charges, payments received, credits, fees, and the closing balance for a billing period. Customers use it to reconcile what they owe without opening every invoice one by one.
Statement of account template
Use this when a customer needs a period summary of invoices, payments, credits, adjustments, and balance due.
Account statement generator
Create a customer statement from the same billing fields: account holder, statement period, transactions, payments, and closing balance.
Billing statement sample
Follow the sample when you need a readable layout for previous balance, new charges, received payments, fees, and amount due.
Customer statement format
Keep every transaction dated and referenced so the customer can match the statement to invoices, receipts, and bank payments.
Statement of Account Sample
This fictional customer statement covers September 1-30, 2026. An opening balance of $1,200.00, two invoices, one received payment and one credit leave a closing balance of $1,250.00. All amounts are in USD.
| Date | Reference | Charge | Payment | Credit | Balance |
|---|---|---|---|---|---|
| Sep 1, 2026 | Opening balance | - | - | - | $1,200.00 |
| Sep 5, 2026 | Invoice INV-1042 | $500.00 | - | - | $1,700.00 |
| Sep 12, 2026 | Payment PAY-882 | - | $700.00 | - | $1,000.00 |
| Sep 22, 2026 | Invoice INV-1068 | $350.00 | - | - | $1,350.00 |
| Sep 25, 2026 | Credit CN-1042 against INV-1042 | - | - | $100.00 | $1,250.00 |
| Closing balance | $1,250.00 | ||||
Balance check: $1,200.00 opening balance + $850.00 charges - $700.00 payments - $100.00 credits = $1,250.00 closing balance.
The credit reduces the amount owed; it is not a cash payment. This period balance is not an overdue total. Check each invoice's due date and any later account activity before requesting payment.
Sample figures are illustrative. A real statement should use the exact transaction dates, invoice numbers, credits and payments from the customer ledger.
How to Make a Statement of Account
Step 1
Choose the statement period
Set a clear start date and statement date, then bring forward the opening balance from the previous period.
Step 2
List charges and payments in date order
Add every invoice, fee, credit, and received payment with a reference the customer can match to their records.
Step 3
Calculate the closing balance
Start with the opening balance, add charges, subtract payments and credits, and show the final amount due.
Step 4
Add payment and contact details
Include accepted payment methods, remittance instructions, due dates, and a contact for questions or disputes.
Statement template questions
What should a statement of account include?
A statement of account should include the customer and business details, statement period, opening balance, dated charges, invoice references, payments, credits, fees, closing balance, and payment instructions.
Is a statement of account the same as an invoice?
No. An invoice requests payment for a specific transaction, while a statement of account summarizes multiple charges, invoices, payments, credits, and the balance over a period.
Can I use this as an account statement template?
Yes. Use the statement of account template as an account statement when you need to show opening balance, invoices, payments, credits, and closing balance for one customer account.
What is a billing statement of account sample?
A billing statement of account sample shows how to format a customer statement with the billing period, previous balance, new charges, payments, credits, and total balance due.
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