The BudgetBadger Process
Connect your accounts, categorize transactions, track spending, and build a budget in 10 minutes.
Consolidate Your Accounts
Connect your bank and credit card accounts or add them manually for a complete view of all your finances. BudgetBadger syncs and imports transactions automatically. Learn more about our security practices.
Transaction Accounts
| Account | Type | Balance | History |
|---|---|---|---|
 WF Checking | Checking | $4,980 | Jan 20 – Dec 15 |
 Sapphire | Credit Card | $2,340 | Jan 25 – Dec 16 |
 Double Cash | Credit Card | $1,890 | 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
Let auto-categorization do the work, or recategorize as desired. Expense tracking stays accurate as the system learns your preferences. Bulk assign categories, split transactions, and create rules to keep your data clean.
Transactions
| Date | Merchant | Category | Amount | |
|---|---|---|---|---|
| Oct 10 | Shell Gas | 🚗 Auto | $48 | |
| Oct 9 | Netflix | 🎬 Entertainment | $16 | |
| Oct 6 | Paycheck | 💰 Income | +$500 |
Budget
| Category | 3-Mth Avg3-Month Average | Budget |
|---|---|---|
🏠Rent/Mortgage | $2,400 | $2,400 |
🥗Groceries | $215 | $200 |
🍽️Dining & Drinks | $115 | $100 |
| Total Expenses | $2,730 | $2,700 |
Set Your Budget
Review your historical income and expenses, choose a method (single budget or one for each calendar month), then adjust the generated amounts based on your goals. Budget management that adapts to you.
Evaluate Your Performance
Review your current and historical month performance against multiple benchmarks. Click the values in the P&L report to dig into the transaction-level detail.
Profit & Loss
| Category | April | Budget | Status |
|---|---|---|---|
| Total Income | $3,150 | $3,350 | |
🏠Rent/Mortgage | $2,400 | $2,400 | |
💡Utilities | $170 | $110 | |
✂️Personal Care | $80 | $180 | |
| Total Expenses | $2,650 | $2,690 | |
| Savings | $500 | $660 | |
| Savings Rate | 16% | 20% |
Top Categories
Top Merchants
Identify Trends and Opportunities
Examine your spend analysis to understand the drivers of your financial performance and find savings opportunities. Use the savings tracker to monitor progress toward your goals.
Monitor Recurring Bills and Abnormal Expenses
Maintain a subscription manager and bill organizer to stay up to date on due dates and trim services you no longer use. Keep an eye on your unusual spending activity to see where cash is slipping.
Unusual Activity
| Date | Merchant | Amount | Rationale |
|---|---|---|---|
| Oct 19 | 🖥️ Best Buy | $549 | Higher than typical charge |
| Oct 11 | 📺 Media Co. | $85 | First-time merchant |
| Oct 4 | 🛍️ Target | $198 | High for this category |
Net Worth
Savings Goal Tracker
Track Net Worth and Savings Goals
Follow your net worth and savings goal progress in one place so you always know how you are building wealth and closing the gap to your financial targets.