diff --git a/crates/ledger-mcp/src/server.rs b/crates/ledger-mcp/src/server.rs
index d593883..e8c4ede 100644
--- a/crates/ledger-mcp/src/server.rs
+++ b/crates/ledger-mcp/src/server.rs
@@ -204,8 +204,14 @@ fn resolve_class(store: &Store, class: &str) -> Result<u32, String> {
         })
 }
 
+/// A money amount as a decimal string with at least two places: "0.00",
+/// "207.68", "1000.00". Padding only, never rounding: an exact amount with
+/// more places (an FX-converted line) keeps them. Never "-0".
 fn money(n: Decimal) -> String {
-    // Decimal's Display never emits floats or "-0" for exact values.
+    let mut n = if n.is_zero() { Decimal::ZERO } else { n };
+    if n.scale() < 2 {
+        n.rescale(2);
+    }
     n.to_string()
 }
 
@@ -2999,3 +3005,21 @@ impl ServerHandler for BooksServer {
         )))
     }
 }
+
+#[cfg(test)]
+mod tests {
+    use super::money;
+    use rust_decimal::Decimal;
+    use std::str::FromStr;
+
+    #[test]
+    fn money_always_has_cents_and_never_rounds() {
+        let m = |s: &str| money(Decimal::from_str(s).unwrap());
+        assert_eq!(money(Decimal::ZERO), "0.00");
+        assert_eq!(m("-0"), "0.00");
+        assert_eq!(m("1000"), "1000.00");
+        assert_eq!(m("5.8"), "5.80");
+        assert_eq!(m("-207.68"), "-207.68");
+        assert_eq!(m("12.3456"), "12.3456");
+    }
+}
diff --git a/crates/ledger-mcp/tests/mcp_stdio.rs b/crates/ledger-mcp/tests/mcp_stdio.rs
index 5d70f07..3154c28 100644
--- a/crates/ledger-mcp/tests/mcp_stdio.rs
+++ b/crates/ledger-mcp/tests/mcp_stdio.rs
@@ -201,7 +201,7 @@ fn mcp_end_to_end_over_stdio() {
         .iter()
         .find(|l| l["code"] == "6000")
         .unwrap();
-    assert_eq!(rent_line["balance_before"], "0");
+    assert_eq!(rent_line["balance_before"], "0.00");
     assert_eq!(rent_line["balance_after"], "100.00");
 
     // Confirmed post without a receipt is rejected: >$25, no receipt.
@@ -275,7 +275,7 @@ fn mcp_end_to_end_over_stdio() {
     assert_eq!(rev["status"], "posted");
     let tb2 = mcp.call("books.trial_balance", json!({}));
     assert_eq!(tb2["balanced"], true);
-    assert_eq!(tb2["total_debits"], "0");
+    assert_eq!(tb2["total_debits"], "0.00");
 }
 
 #[test]
@@ -381,7 +381,7 @@ fn mcp_assets_end_to_end_over_stdio() {
     assert_eq!(preview["status"], "preview");
     assert_eq!(preview["book_value"], "58451.61");
     assert_eq!(preview["gain_loss"], "1548.39");
-    assert_eq!(preview["final_depreciation"], "0");
+    assert_eq!(preview["final_depreciation"], "0.00");
     assert_eq!(preview["receipt_required"], true);
 
     // Confirmed without the bill of sale: rejected.