Stop chasing roommates on Venmo.
Margent splits bills with friends and tracks your actual share — not the full amount you fronted.
No card required · Free forever for the basics
Bank Sync
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Housemate Hub
Shared Expenses
Costco Run
Yesterday
$388.42
Share: $129.47
Electricity Bill
Oct 12
$145.00
Share: $48.33
Why your budget is finally accurate.
When Riley owes you $129 from the Costco run, Margent knows your grocery budget only took a $129 hit — not $388. It tracks the debt, not just the transaction.
Accurate budgets, always
Only your share counts against your budget. The rest is a tracked receivable until it’s paid back.
Venmo in one tap
Send a Venmo request instantly — amount and note prefilled, no copy-pasting required.
Precision splits
Equal, custom, or item-by-item — adjust shares down to the cent for absolute accuracy.
Splits self-settle.
Other apps make you keep a ledger and remember to mark things paid. Margent watches your bank. When your friend Venmos you back, the split clears itself.
You split. They get a request.
Tap Split on any transaction, pick a friend, send. Margent sends them a Venmo request with the amount and note prefilled.
They Venmo you back.
No new app for them to download, no account to create. They just Venmo you like normal — usually within a day or two.
Margent clears the split — automatically.
When the incoming Venmo hits your bank, Margent matches it to the open split and marks it paid. You get a push that says "✓ Split cleared." You did nothing.
What you see on your phone
Split cleared — $17.99 from Alex
Margent matched their Venmo to "Escape Room Dallas." You're done — no need to do anything.
No "lmk what I owe you" texts. No spreadsheet. No friend-shaped column in your head.
Built for how college actually works.
Your bank transactions come in automatically. Fix a mistake in a few taps. Set categories that match your actual life — textbooks, late-night runs, rent — not some template from 2009.
Intuitive Transaction Editing
Life is fast and mistakes happen. Fix any transaction with a few taps, ensuring your financial record is always accurate and honest.
Customizable Categories
Your spending doesn't look like everyone else's. Create categories for textbooks, late-night snacks, or rent that actually fit your student life.
Secure Bank Sync
Connect your accounts safely with bank-level encryption. We automatically import your transactions so you can spend less time typing and more time studying.
What if you saved $40 a week?
Small amounts compound fast. Drag the slider to see exactly what you could have by graduation — then set a real goal and track it weekly.
Interactive modeling
Move the slider to see how a different weekly amount changes your four-year total.
Honest projections
Just your contributions. No interest assumptions, no fine print — the number is what you actually put away.
Savings goals
Set a target inside Margent and track every week against it. Adjust as life changes.
What-If Weekly Savings
Interactive Forecasting Simulator
Slide or Hover Graph to Adjust
$40
4-Year Timeline (Growth at $40/wk)
Projected Graduation Impact
$8,320
Total saved by graduation.
Founder
Why I Built This
I was the one with the Costco card in my friend group. I had three separate spreadsheets — one for my personal budget, one for splitting with roommates, and one for planning ahead. They never talked to each other. Every month I'd spend an hour trying to reconcile them and still didn't trust any of the numbers.
So I built the thing that should have existed. I use it every day, and I haven't found a product I'd switch to.
Written by a college student. Tested in real life.
Everything you need to know
PRICING
Simple, transparent pricing
Free forever for the basics. Upgrade to Pro when you want bank sync and analytics — first 30 days free.
Free
Manual tracking, no card required.
✓ No card needed
- Manual transaction entry
- Up to 10 budget categories
- 90-day transaction history
- Up to 3 savings goals
- Split expenses with friends
- Settle up via Venmo / Cash App
Pro
Bank sync, analytics, unlimited everything.
✓ 30-day free trial
- Everything in Free
- Auto bank sync (Plaid)
- Unlimited categories + goals
- Full transaction history
- Advanced analytics + drill-downs
- CSV import & export
- Receipt scanner
Questions about plans? Contact us
Spend wisely.
The budget tracker built for students who want to master their finances before graduation.
No card required · 30 seconds to set up