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Monthly investor statements

Upload the workbook you already keep — a tab for each investor — and get back a statement for every one of them, the interest as a Xero bills CSV, and a mail-merge file so you can send the lot from your own email.

Your workbooks, or drag them here .xlsx or .csv, up to 10MB in total

More than one is fine. If you keep a file per interest rate, attach the lot — they come back as one month, with one reconciliation. Keep the columns the same within any one file.

Your fund Required

Fund name Printed on every statement.

ABN Optional, and printed as you write it.

Which month

Tax Required

We don't preselect this — it lands on your BAS and it's your call. It sets the rate on the Xero bills and the wording on the statement.

GST on the interest

Recipient-created tax invoices Tick if these are RCTIs. We'll use the wording and both ABNs, so each investor's ABN is needed too.

Your Xero accounts, for the bills CSV Optional

These are your fund's accounts, not each investor's — the code on an investor's tab is the account holding their investment, not where the interest expense goes. Without them you still get the statements and the mail-merge file.

Your chart of accounts Recommended In Xero: Accounting → Chart of accounts → Export. The boxes below become lists of your own accounts, we name back the one you picked, and we show the tax rate your chart has against it. Xero checks none of that — it drops a code it doesn't recognise, imports anyway, and leaves the account blank on every line. Read and discarded like everything else here.

Interest expense account The account the interest is coded to.

Management fee account Only if your workbook charges a fee. It goes on the same bill as a negative line.

GST on the management fee The fee is money you earn, so this is an income rate — a different thing from the GST on the interest above.

Investor emails, for the mail-merge file Optional

Your workbook has balances, not email addresses. A CSV with account and email columns — and abn if these are RCTIs — builds the mail-merge file that sends every statement in one action. A Xero contact export works as it comes: its AccountNumber and EmailAddress columns are read as they are — and so are its contact persons. Only the people ticked Include in emails in Xero get a row, the same people Xero itself would copy in; an extra person with an address and no tick is left out, and the report says so. To change who gets it: in Xero, open the contact, Edit, tick or untick Include in emails beside each person under Additional people, save, and export your contacts again.

Investor details Matched on the account code, never on the name.

What you get back

A statement for every investor, as a PDF. Opening balance, the interest with the rate against the balance it was worked out on, what was reinvested or paid, and the closing balance.
The interest as a Xero bills CSV, one bill per investor, coded to your own interest expense account — with the management fee on the same bill as a negative line, so each bill comes to what that investor is actually paid. Instead of building a purchase order per investor by hand and converting it afterwards.
A mail-merge file listing every investor, their email and their statement's file name, so an add-in can send all of them from your own address in one action.

Every figure is checked against your own arithmetic

We don't recalculate your fund. We check that your own numbers agree with each other, four ways, for every investor:

Interest equals each balance times its own rate on that tab.
What was reinvested and paid in cash comes to the interest and fee.
The closing balance follows from the opening balance and what went in.
This month's opening balance is last month's closing balance. That last one is why this reads your workbook rather than a summary tab: a row that was never rolled forward is perfectly consistent with itself and still wrong. If your workbook has no closing balance column — some don't, and each month's closing balance is simply the next month's opening balance — then that check can't tell you anything, so we don't run it and the report says so.

We work out which column is which from your own arithmetic, not from the headings. A wrong guess doesn't survive four identities holding across every investor, which is why this can read a workbook we've never seen without taking figures out of a column we've assumed about.

Here it is on an invented ledger — Sandon Point Super Fund, December 2026

Read by the same code your workbook goes through, with nothing telling it which column was which. If any of these four failed, this page wouldn't render.

Interest is the balance times its own rate — 116,816.58 × 0.0167 = 1,950.84
What was reinvested and paid out comes to the interest and fee — 1,500.84 + 500.00 = 2,000.84 = 1,950.84 + 50.00
The closing balance follows from the opening balance — 116,816.58 + 1,500.84 + 0.00 = 118,317.42
This month's opening balance is last month's closing balance — November closed on 116,816.58, December opened on 116,816.58

An investor whose row doesn't pass gets no statement and no bill, and we tell you which check failed and both figures. We don't tell you which cell to change, because we can't tell your sheet disagreeing with itself from us reading the wrong column.

About sending them

We don't send anything, on purpose. A statement should arrive from your fund, not from us. Otherwise deliverability, bounces and your investors' addresses all become ours, and a statement about a six-figure balance that quietly never arrives would be our failure to notice rather than yours.

Worth knowing before you try it: Word, Outlook and Gmail can't attach a different file to each recipient by themselves, and Gmail's multi-send sends everyone the same attachment. That's a limit of the mail clients, not of what we hand you.

An add-in does it, and the good ones pair the files to the rows themselves. In Outlook that needs no cloud step: the PDFs in a folder, and the add-in reads the attachment column. In Gmail you drag the folder into Drive once and the add-on imports from it. Either way it takes exactly what's in the download — a folder of PDFs and a spreadsheet with an email column and an attachment column naming the file.

Which add-in, and the step-by-step: emailing a different attachment to each recipient. Worth two minutes before you start — the add-on that makes you paste a link per row is the one people find first, and it's the one that makes this look like an afternoon's work.

What your workbook needs

A tab for each investor, with one row per month. Across several files is fine — we read the rate off each tab, so a file per rate is one month.
The month in a column of its own, so we take the right row by date rather than by counting down from the top.
A hidden tab is left alone. If Excel is hiding it, we don't read it and nobody on it gets a statement — the report names any we skipped. Unhide a tab to bring that investor back in.
A balance, its monthly rate in a cell above the table, and the interest worked out from the two. More than one balance at more than one rate is fine — a fund part-way through a rate change gets a line for each.
The same columns on every tab of one workbook. Different workbooks can be laid out differently — two rates in one file and one in another is fine, and they still come back as a single month. It's mixing the two inside one file that we can't read. If some investors aren't on the second rate, leave their cells at zero rather than deleting the columns.
The account code in cell A1, like 920-06 - Brandon Jones. That's what names the statement and codes the bill. A name isn't safe to match on — the same person is usually written three different ways across one workbook.