diff --git a/server.js b/server.js
index aba5ec5..ec39006 100644
--- a/server.js
+++ b/server.js
@@ -330,7 +330,9 @@ async function syncInvoiceToQbo(invoiceId, client) {
     return { success: true, sync_token: updated.SyncToken };
 }
 
-
+function formatMoney(val) {
+    return parseFloat(val).toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+}
 // =====================================================
 // POST /api/invoices — Create + Auto QBO Export
 // =====================================================
@@ -1231,19 +1233,19 @@ app.get('/api/quotes/:id/pdf', async (req, res) => {
         itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Subtotal:</td>
-                <td class="total-amount">$${parseFloat(quote.subtotal).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(quote.subtotal)}</td>
             </tr>`;
         if (!quote.tax_exempt) {
             itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Tax (${quote.tax_rate}%):</td>
-                <td class="total-amount">$${parseFloat(quote.tax_amount).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(quote.tax_amount)}</td>
             </tr>`;
         }
         itemsHTML += `
             <tr class="footer-row">
-                <td colspan="3" class="total-label">TOTAL:</td>
-                <td class="total-amount">$${parseFloat(quote.total).toFixed(2)}</td>
+                <td colspan="3" class="total-label" style="font-size: 16px;">TOTAL:</td>
+                <td class="total-amount" style="font-size: 16px;">$${formatMoney(quote.total)}</td>
             </tr>
             <tr class="footer-row">
                 <td colspan="4" class="thank-you">Thank you for your business!</td>
@@ -1353,13 +1355,13 @@ app.get('/api/invoices/:id/pdf', async (req, res) => {
         itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Subtotal:</td>
-                <td class="total-amount">$${parseFloat(invoice.subtotal).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(invoice.subtotal)}</td>
             </tr>`;
         if (!invoice.tax_exempt) {
             itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Tax (${invoice.tax_rate}%):</td>
-                <td class="total-amount">$${parseFloat(invoice.tax_amount).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(invoice.tax_amount)}</td>
             </tr>`;
         }
         const amountPaid = parseFloat(invoice.amount_paid) || 0;
@@ -1367,19 +1369,19 @@ app.get('/api/invoices/:id/pdf', async (req, res) => {
 
         itemsHTML += `
             <tr class="footer-row">
-                <td colspan="3" class="total-label" style="font-size: 14px;">TOTAL:</td>
-                <td class="total-amount" style="font-size: 14px;">$${parseFloat(invoice.total).toFixed(2)}</td>
+                <td colspan="3" class="total-label" style="font-size: 16px;">TOTAL:</td>
+                <td class="total-amount" style="font-size: 16px;">$${formatMoney(invoice.total)}</td>
             </tr>`;
 
         if (amountPaid > 0) {
             itemsHTML += `
             <tr class="footer-row">
-                <td colspan="3" class="total-label" style="font-size: 14px; color: #059669;">Downpayment:</td>
-                <td class="total-amount" style="color: #059669;">-$${amountPaid.toFixed(2)}</td>
+                <td colspan="3" class="total-label" style="color: #059669;">Downpayment:</td>
+                <td class="total-amount" style="color: #059669;">-$${formatMoney(amountPaid)}</td>
             </tr>
             <tr class="footer-row">
                 <td colspan="3" class="total-label" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">BALANCE DUE:</td>
-                <td class="total-amount" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">$${balanceDue.toFixed(2)}</td>
+                <td class="total-amount" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">$${formatMoney(balanceDue)}</td>
             </tr>`;
         }
 
@@ -1491,19 +1493,19 @@ app.get('/api/quotes/:id/html', async (req, res) => {
         itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Subtotal:</td>
-                <td class="total-amount">$${parseFloat(quote.subtotal).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(quote.subtotal)}</td>
             </tr>`;
         if (!quote.tax_exempt) {
             itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Tax (${quote.tax_rate}%):</td>
-                <td class="total-amount">$${parseFloat(quote.tax_amount).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(quote.tax_amount)}</td>
             </tr>`;
         }
         itemsHTML += `
             <tr class="footer-row">
-                <td colspan="3" class="total-label">TOTAL:</td>
-                <td class="total-amount">$${parseFloat(quote.total).toFixed(2)}</td>
+                <td colspan="3" class="total-label" style="font-size: 16px;">TOTAL:</td>
+                <td class="total-amount" style="font-size: 16px;">$${formatMoney(quote.total)}</td>
             </tr>
             <tr class="footer-row">
                 <td colspan="4" class="thank-you">Thank you for your business!</td>
@@ -1596,13 +1598,13 @@ app.get('/api/invoices/:id/html', async (req, res) => {
         itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Subtotal:</td>
-                <td class="total-amount">$${parseFloat(invoice.subtotal).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(invoice.subtotal)}</td>
             </tr>`;
         if (!invoice.tax_exempt) {
             itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label">Tax (${invoice.tax_rate}%):</td>
-                <td class="total-amount">$${parseFloat(invoice.tax_amount).toFixed(2)}</td>
+                <td class="total-amount">$${formatMoney(invoice.tax_amount)}</td>
             </tr>`;
         }
         const amountPaid = parseFloat(invoice.amount_paid) || 0;
@@ -1611,18 +1613,18 @@ app.get('/api/invoices/:id/html', async (req, res) => {
         itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label" style="font-size: 16px;">TOTAL:</td>
-                <td class="total-amount" style="font-size: 16px;">$${parseFloat(invoice.total).toFixed(2)}</td>
+                <td class="total-amount" style="font-size: 16px;">$${formatMoney(invoice.total)}</td>
             </tr>`;
 
         if (amountPaid > 0) {
             itemsHTML += `
             <tr class="footer-row">
                 <td colspan="3" class="total-label" style="color: #059669;">Downpayment:</td>
-                <td class="total-amount" style="color: #059669;">-$${amountPaid.toFixed(2)}</td>
+                <td class="total-amount" style="color: #059669;">-$${formatMoney(amountPaid)}</td>
             </tr>
             <tr class="footer-row">
                 <td colspan="3" class="total-label" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">BALANCE DUE:</td>
-                <td class="total-amount" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">$${balanceDue.toFixed(2)}</td>
+                <td class="total-amount" style="font-weight: bold; font-size: 16px; border-top: 2px solid #333; padding-top: 8px;">$${formatMoney(balanceDue)}</td>
             </tr>`;
         }