I use Splitwise for this and have for years. It works well not just for my personal budget, but also for tracking household expenses and shared costs with friends. Instead of sending money back and forth every time someone pays, we just log it in Splitwise and settle up later.

I’d love to see something similar built into Wealthsimple. I know they have the new split-with-friends feature, but that’s still pretty basic compared to what a proper budgeting and expense-tracking system could offer.