The BudgetBadger process
Professional budgets, reports, and insights in 8 simple steps
Consolidate All Your Money
Connect your bank and credit card accounts, providing a complete view of all your income and expenses. Transactions are automatically synced and imported.
Transaction Accounts
| Account | Type | Status | History |
|---|---|---|---|
 WF Checking | Checking | Synced | Jan 20 – Dec 15 |
 Sapphire Preferred | Credit Card | Synced | Jan 25 – Dec 16 |
 Double Cash | Credit Card | Synced | Feb 9 – Dec 20 |
Personalize Your Categories
Customize your reports by adding your own categories (e.g. Pet Care) to organize and track your financial data how it best suits your needs.
Review Transaction Details
Update transaction categories to your own preferences. The system learns your changes and automatically applies them to future transactions.
Transactions
| Date | Merchant | Category | Amount | |
|---|---|---|---|---|
| Oct 10 | Shell Gas | 🚗 Auto | $48 | |
| Oct 9 | Netflix | 🎬 Entertainment | $16 | |
| Oct 6 | Paycheck | 💰 Income | +$3,250 |
Budget
| Category | 3-Month Average | Budget |
|---|---|---|
🏠Rent/Mortgage | $2,400 | $2,400 |
🥗Groceries | $215 | $200 |
🍽️Dining & Drinks | $115 | $100 |
| Total Expenses | $2,730 | $2,700 |
Set A Budget
Review your historical income and expenses, and adjust the auto-generated budget based on your own future expectations and goals.
Evaluate Your Performance
Review your current month progress and historical month performance against multiple benchmarks. Click the values in the report to see the transaction details.
Profit & Loss
| Category | April | Budget | Status |
|---|---|---|---|
| Total Income | $3,400 | $3,350 | |
🏠Rent/Mortgage | $2,400 | $2,400 | |
💡Utilities | $170 | $110 | |
✂️Personal Care | $130 | $180 | |
| Total Expenses | $2,700 | $2,690 | |
| Savings | $700 | $660 | |
| Savings Rate | 21% | 20% |
Top Spend Categories
Identify Trends and Opportunities
Examine your spend analysis to understand the drivers of your financial performance and find savings opportunities.
Spot Spikes and Abnormal Expenses
Check your high and unusual spending activity to help inform future spending and make sure nothing is out of the ordinary.
Unusual Activity
| Date | Merchant | Amount | Rationale | |
|---|---|---|---|---|
| Oct 19 | 📱 Best Buy | $549 | Higher than typical amount | × |
| Oct 11 | 📺 Media Co. | $85 | First-time merchant | × |
Recurring
| Date | Merchant | Category | Amount |
|---|---|---|---|
| Oct 15 | Netflix | 💻 Subscriptions | $16 |
| Oct 8 | Planet Fitness | 💪 Health & Fitness | $45 |
Track Recurring Charges
Identify charges you may have forgotten and trim spending on services you no longer use.
Ready to get started?
Create your free account and start managing your money like a CFO today.