Rent$2,400
Sam paid · split 4 · $600/person
A shared ledger for roommates and house-shares
Everyone texts what they spent to an AI assistant. Spent Agent keeps one shared ledger for the whole place, and at month end it tells you who owes whom — in the fewest transfers.
Free during beta · no card · your data stays private. Names and amounts shown are examples.
Receipts scroll away in the group chat. Whoever fronted the cash forgets, whoever owes feels weird bringing it up. By month end everyone thinks they got the short end.
Spent Agent keeps the ledger for the whole place. At month end you just text “settle up”.
Try it with your placeEach person texts from their own phone. No one has to be the treasurer, no one has to remember.
Sam paid · split 4 · $600/person
Sam paid · split 4 · $30/person
Jordan paid · split 4 · $15/person
Maya paid · paper towels $28 · dish soap $24 · detergent $36 · split 4
Maya paid · split 3, minus Alex · $30/person
Sam paid · electric $140 · water $40 · internet $60 · split 4 · $60/person
3 transfers and you're done. See the settle-up table ↓
Alex pays $30 less — away the week the others split groceries three ways. No one tallies it by hand, no one has to chase anyone down.
| Person | Should pay | Paid | Diff |
|---|---|---|---|
| MMaya | 757 | 178 | −579 |
| JJordan | 757 | 60 | −697 |
| SSam | 757 | 2,760 | +2,003 |
| AAlex | 727 | 0 | −727 |
| Whole place | 2,998 | 2,998 | 0 |
Enter the rent and the shared bills. The calculator runs right on this page and saves nothing.
Create a ledger like “Apt 4B” and invite your roommates. Everyone sees the same numbers.
Text the AI assistant like you'd text a friend, or add it on the web. No one has to be the treasurer.
Send a photo of a store receipt and each item gets read out and added to the ledger.
Away for the week or not eating in? You skip that one. Just say “split 3”.
Text “settle up” and get the list of who sends whom — in the fewest transfers.
Your own coffee run lives in your personal ledger. The house only sees what's logged to the shared one.
Name it after your place, like “Apt 4B” or “58 Oak St”.
Drop the invite in your group chat. Anyone in the ledger can log right away.
Whoever spends, texts it. At month end, text “settle up” and you're done.
We never connect to your bank. You type in what the house spent — nothing is pulled from your accounts.
Only items you log to the shared ledger are visible to your roommates. Your personal spending is yours alone.
The split calculator on this page runs entirely in your browser. Numbers you try are never sent anywhere or stored.
We're a small team building this in the open. It's free while in beta, and we'll give you notice before anything about that changes.
Yes. Spent Agent is free while it is in beta. If pricing ever changes, we will tell you before it affects you.
They do not have to. Anyone can log expenses on the web app instead of texting the AI assistant. There is one shared ledger, so entries from any method add up in the same place.
Expenses they were not around for can be split only among the people who were there — just say "split 3, minus Alex". Fixed costs like rent and internet still split the way the house agreed.
No. Roommates only see items logged to the shared ledger. Anything in your personal ledger stays private to you.
Your data is stored on secure cloud infrastructure and sent over HTTPS. Spent Agent never connects to your bank. You can review and manage your privacy settings in the app, and request deletion at any time.
Each expense records who paid and who it is split among, so you are not locked into equal shares. Agree once on how to divide rent — for example by room size — and then just log expenses as usual; the ledger applies your split every month.
At month end you text "settle up" and Spent Agent calculates who owes whom in the fewest transfers. It tells you the exact amounts; you then send the money however you already do — Venmo, PayPal, Zelle, or a bank transfer. Spent Agent does not move money itself.
Doing it by hand means someone has to keep every receipt, remember who paid, and do the math at month end. Spent Agent keeps one running ledger that everyone can add to in plain language, handles partial splits automatically, and reduces the month down to the fewest transfers — so no one has to be the treasurer.
Create a shared ledger for your place and drop the invite in the group chat. Next time the bills come due, the whole house just opens the ledger.
Free during beta.
Not ready to start a ledger yet? Leave your contact and we'll tell you when there's an update, plus tips on splitting costs with roommates.