Joint accounts and money management apps like Yolt or Emma

Just exclude all these! The only number you need is the savings account balance, really

This is not well supported, imo. With Emma Pro, I think there are only manual solutions. You can split the transactions and exclude half or create a manual account and hide the real joint account. Not great solutions.

Another option is just to double your budget for those bills and create a fake account with the extra half…

A toggle to mark an account as “just half mine” probably also wouldn’t work for common scenarios either

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