Business budgeting is optional and controlled by the Budgeting toggle in Settings. It defaults to OFF.
This is separate from Match Bank Statements, which has its own Settings toggle. Enabling budgeting does not add a setup-checklist step.
While budgeting is off:
Turn budgeting on in Settings when you want category targets and budget vs actual on P&L.
With budgeting on, choose Monthly (one amount per category) or Annual (amounts for each calendar month) from Budget settings / method controls.
The first time you switch to Annual, current monthly amounts are copied into all twelve months; after that, monthly and annual plans are stored separately. Annual is useful for seasonal revenue or expenses. When editing a month in Annual mode, you can apply that amount through December or to all twelve months using the choices next to the input.
Default budget amounts are populated from the average of the past three months per category. Press **Recalculate** (calculator icon where shown) to refresh defaults from recent activity after your categorization has stabilized.
Adjust category targets to match your operating plan — for example raise Marketing & Advertising ahead of a launch, or tighten Software & Subscriptions after a tool audit.
Defaults are a starting point, not advice. Pair budget goals with the Business P&L so you can see Gross Profit and Operating Income while you manage category spend.
Personal BudgetBadger emphasizes Savings Rate and Remaining Savings. On Business, the primary scoreboard is the P&L stack: Gross Profit, Operating Income, and Net Income (see P&L & Balance Sheet).
When budgeting is on, treat category remaining as progress against your plan for that expense or revenue line — not personal “cash left after living expenses.” Use Excluded from P&L categories for owner transfers so budget and P&L stay focused on the business.