The BudgetBadger Process
Connect your accounts and build a budget in 15 minutes.
Consolidate Your Accounts
Connect your bank and credit card accounts or add them manually for a complete view of all your finances. BudgetBadger can sync and import transactions automatically. Learn more about our security.
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-Mo 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.
Evaluate Your Performance
Review your monthly, annual, or YTD performance against multiple benchmarks. Dig into the P&L report values to view transaction details and uncover unexpected spending patterns.
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 surface wasteful spending and savings opportunities. Stay on top of trends to make informed spending decisions.
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 to view your financial health and watch your wealth build. Set specific savings goals and monitor your pace compared to the target line.