The estimate the carrier approved and the budget your job actually runs on are two different numbers. The gap between them is where profit quietly disappears — and a hand-built spreadsheet is where the gap hides.
When you build a budget by hand, the overhead, O&P, and taxes get buried in the totals. You don't see your real margin until the job is closed out — and by then, whatever you left on the table is gone. There's no good way to get it back.
XactBudget flips that. It reads your Xactimate Summary Report, retains the overhead, O&P, and taxes as company profit, and shows you the margin before you assign a single sub. You start the job knowing the number instead of hoping for it.
It also builds the paperwork the spreadsheet never did — Purchase Orders, Change Orders, Scope of Work, Statement of Loss, Notice to Proceed, Punch List — pre-filled with the job info, so nothing is rebuilt by hand.
Know your profit before you start
Your first budget is free, no card required. Then a 3-day free trial and $99/month for your whole company.
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.
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; cancel before it ends and pay nothing. 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:
"They helped us increase gross profit margin and showed us many ways to make minor adjustments that led to major results." — Jason, Illinois
"Their system has revolutionized my business and increased our profitability." — Marcos, California
"They found financial and process inefficiencies and were able to help immediately." — Michael, Idaho
"They're the model I point to for business owners who aren't maximizing metrics and profit." — Dave, Tennessee
Built by a restoration 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.
