Stop chasing roommates on Venmo.
Margent is a budget app for college students. It splits the bill with your friends and counts only what you actually owe, so your budget reflects your money and not the group tab.
Free to start. No signup needed to split a bill.
Bank sync powered by Plaid
Read-only access. We can't move your money.
Who Owes Whom
Shared Expenses
Costco Run
Yesterday
$388.42
Share: $129.47
Electricity Bill
Oct 12
$145.00
Share: $48.33
Your budget only counts what's yours.
When Riley owes you $129 from the Costco run, Margent counts just your $129 against your grocery budget. The other $259 becomes a receivable it tracks until Riley pays you back.
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, with the amount and note already filled in.
Precision splits
Split equally, by custom amounts, or item by item. Adjust shares down to the cent.
Splits settle themselves.
Other apps make you keep a ledger and remember to mark things paid. Margent watches your bank, so when a 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.
When the Venmo hits your bank, Margent matches it and clears the split — automatically when it’s sure, one tap when it’s not.
Here's what lands 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.
Split a bill right now. No signup.
The Margent Splitter runs in your browser. Add what everyone spent, share one link with your group, and it works out who owes who in the fewest payments. No download, no account.
Snap a receipt or type expenses in by hand.
Share one link. Everyone sees the same numbers.
Margent does the math: who pays who, in the fewest payments.
Free to use. When you're ready to budget, it carries into the full Margent app.
Beach trip 2026
You, Sarah, Alex · 3 people
Beach house
Paid by you
$320.00
Groceries
Paid by Sarah
$84.00
Settle up — 1 of 2 left
Sarah → You
PaidAlex → You
$36.50
Built for how college actually works.
Your bank transactions come in automatically. Fix a mistake in a few taps. And set categories that fit real student life, like textbooks, late-night runs, and rent.
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
Read-only bank connections through Plaid — we never see or store your login. We automatically import your transactions so you can spend less time typing and more time studying.
Read-only access — Margent can see your transactions but can never move your money.
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 you saved this much a week?
Slide to adjust your weekly amount.
$40
Four years at $40/week
$8,320
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.
— Jude, founder of Margent
Questions students ask
Start free. Upgrade when you want bank sync.
The free plan covers manual tracking and splitting with friends. Pro adds automatic bank sync and analytics, and the first 30 days are 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.
Free to start. Takes about 30 seconds.