Hi, I'm Jude.
I'm an undergrad at the University of Dallas and I built Margent because no budgeting app I tried got the math right when my friends and I split things.
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. None of them talked to each other. Every month I'd spend an hour trying to reconcile them and still wouldn't trust any of the numbers.
The other apps I tried were either built for 40-year-olds with mortgages, or treated splitting bills as a separate world from budgeting. Splitwise tracks who owes what, but it can't tell you you're about to blow your grocery budget. Mint (RIP) and YNAB show you a budget, but they think you actually paid the full $388 at Costco — even when $259 of that was your roommates'.
Margent is one app that knows both. When you front a shared expense, only your share counts against your budget. The rest is a tracked receivable until it's paid back. Bills, budgets, savings goals, and splits live in one place.
How I work on this
- ·Solo and honest. Margent is one person right now. I don't pretend otherwise.
- ·Bank data is read-only. Connections go through Plaid, the same provider Venmo and Cash App use. I can't move your money. I never see your bank login.
- ·Free is real. Manual tracking, splits, 90 days of history, and basic budgets stay free forever — no card needed. Pro is for the auto-sync and analytics. If something I ship breaks the free promise, please email me.
- ·I read every email. If something's broken, missing, or just wrong: jude@margent.app.
That's the whole pitch. If it sounds like the app you wish existed, the free plan takes about 30 seconds to set up.
Sign up free →No card required · Free forever for the basics