About XactBudget

Built by a contractor, not a software company.

If it doesn't work on paper, it won't work in the field. Build a budget.

How this started

XactBudget started the way a lot of good ideas do, on a quiet evening sitting in a recliner.

I learned the hard way how important a budget was in the early days of being a contractor. No budget, no control, no profit.

The budget was built, used, and shared for years. One thing became an obstacle for new folks using it: copying and pasting all the data from the Xactimate Summary report into the spreadsheet. So I built a system to do it for me. Drop in the summary report PDF, and out comes a ready-to-use job budget in just a few minutes. No re-keying, no missed lines, no spreadsheet gymnastics.

I've been running jobs with this budget, and training others to use it, for years. Teams have performed thousands of jobs, both insurance-related and retail, and have consistently hit our desired margins with real confidence in the field.

That's the point of the story. This isn't a prototype. It's the actual system I've used and taught for years, now packaged so any contractor can use it. Built by a restoration contractor, for restoration contractors.

Jon McCartney, founder of XactBudget and restoration recon operator

Jon McCartney

XactBudget · Recon Operator · Impact Consulting, LLC

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What we believe

Budgets before the work starts

A budget isn't something you figure out after the job is done. It's the first thing you build — before a single board gets pulled.

Know your real margin

Contractors deserve to see their actual numbers, not guess at them. Labor, material, equipment, overhead, profit — all of it, laid out plain.

Software should save time in the field

If a tool adds steps instead of cutting them, it's the wrong tool. The field is busy enough without fighting a spreadsheet.

Ready to build your budget?

Drop in an Xactimate summary and get a full job budget in about two minutes.

XactBudget is a product of Impact Consulting, LLC.

Questions? Get in touch.

Build 2.8926
XactBudget logo

One Xactimate PDF in. Your entire job package out.

Make margins, not mistakes.

From a single Xactimate Summary Report, XactBudget builds a complete multi-tab Google Sheets workbook — a full trade budget plus all your project documents, pre-filled with the customer and job info. Know your profit before you start the job, and stop leaving margin in the field.

Layers on top of Xactimate and your existing job-management system. No migration, no platform switch.

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Free 7-day trial. No credit card required. Cancel anytime. Secured by Stripe.

What you get from one PDF

See it in action

XactBudget results screen showing a Potential Job Profit of $11,750.71 (51% of the estimate total) and an AI-written Scope of Work generated from an Xactimate PDF The XactBudget-generated multi-tab Google Sheet workbook, Summary tab, showing 51% gross profit, the overhead, O&P and taxes breakdown, and tabs for Purchase Orders, Change Orders, and Statement of Loss

Download the example budget to see the real generated deliverable.

Who it's for

US restoration and reconstruction contractors, owner-operators, and project managers who work in Xactimate and need a profitable trade budget and the paperwork to run the job.

Not for general contractors who don't use Xactimate, not for insurance adjusters, and not if you need a full CRM replacement — XactBudget is a focused budgeting layer that sits alongside your existing tools.

Pricing

$99 per user / month or $990 per user / year (2 months free). Unlimited budgets. 7-day free trial, no credit card required. Less than one job's retained margin — no $6k minimum, no platform migration.

Proven in the field

From operators who used the budgeting framework behind XactBudget:

Built by a restoration operator

Jon McCartney, founder of XactBudget and restoration recon operator

XactBudget was built by Jon McCartney, a restoration recon operator. Over 6+ years and thousands of recon jobs — insurance and retail — he built and taught the budgeting system that consistently holds 45%+ gross margin, then packaged it so any contractor can use it. It is operated by Impact Consulting, LLC.