Best budget app for shared expenses with someone not in the same budget?
My partner and I keep separate accounts, but share a lot of expenses. The way I've done this in YNAB is to set up an unlinked account that is just the expenses that I owe my partner (e.g. my portion of the utility bill, etc). Conversely, when my partner owes me money, I'll split a given transaction to send their portion of the cost to a category called "[Partner] Owes Me". Almost all my transactions are on a credit card, so in YNAB this means the "[Partner] Owes Me" category is apparently in overdraft most of the month, but if I make a purchase using my checking or debit card, then the category goes into red and starts to throw off other parts of my budget. However, at no point am I actually in the negative on an account in real life. At the end of the month, we find the difference between these two balances, and then whomever owes more pays the other that difference to fully zero it out.
It's not a bad system, but I wonder if there's a better way to do this in some other apps. My partner uses Monarch, but I'm not as big of a fan of the interface, and the way they need to split these shared transactions looks clumsy. I'm most interested in Actual Budget and Zerosum, though from looking at the comparison spreadsheet, Liquid Budget seems like it might also meet my needs. Between those three, which one do folks find works best for a situation like this? I'm going to jump from YNAB sooner or later anyway, and I'd like to make sure this component of my budgeting process is functional.