Your小型企业预算is an important tool for your company. It guides your spending habits throughout the year, helps you avoid overspending, and helps you make important financial decisions. But, budgets aren’t one-size-fits-all. Every business’s budget looks a little different. And, there are a number of different types of business budgets to keep on your radar.

10 Types of business budgets

业务预算有点像雪花。每个企业都有自己需要坚持的独特预算。而且，某些企业可能有一组不同的业务预算可以跟踪。那么，业务中的预算类型是什么？在下面自己找出答案。

1. Operating budget

An运营预算，或运营预算，包括所有费用和收入，您的企业期望将其用于运营。您的运营预算概述了您公司需要有效运营的资金。

通常，运营预算分解了fixed and variable costs，收入和其他费用。与所有业务预算类型一样，运营预算可能会因业务及其运营而异。

In most cases, your operating budget is a combination of a few other budgets, including:

• Sales
• 生产
• 直接材料
• Direct labor
• 高架
• General and administrative expenses

2.现金流量预算

One of the biggest components of business budgeting is managing andforecasting cash flow. Yourcash flow或现金，预算为您提供了一定时间内（例如一年）中收入或退业的资金的预测。

Your cash flow budget can help you make important financial decisions, detect issues, and prevent overspending.

您的现金预算的目标是确保有足够的钱来支付任何货币。如果您没有足够的钱来抵消费用，那么您可能会结束negative cash flowterritory.

3.财务预算

要了解您需要多少钱才能达到短期和长期需求，请起草财务预算。资产，负债和权益的财务预算因素（您balance sheet).

您的企业的财务预算可以使您对公司的健康和稳定性有一个总体的了解。如果您正在寻求资金或考虑initial public offering.

4.销售预算

Another type of budget you may want to consider establishing is a sales budget. A sales budget projects your sales revenue and expenses and how much you’ll sell in a specific period of time.

Creating a sales budget allows you to plan and make adjustments to your spending. To make your sales budget, you need to:

• 列出您业务的产品
• List out each offering’s price point
• Review last year’s (or period’s) sales figures to create a projection

拥有准确的销售预算可确保您手头上有大量材料和库存，以跟上客户需求。而且，您的销售预算有助于为您奠定基础。

5. Production budget

您的生产预算告诉您，每种产品中有多少要满足销售需求和库存需求。这种类型的业务预算有助于确定运营方面，例如：

• Direct labor
• 直接材料
• 高架

To put together a production budget, you need the expected number of units to be sold (based on last period’s data), required level of ending inventory, and number of units in your beginning inventory (if applicable).

Your production budget helps determine the cost of production, and in turn, helps decide the price of the product.

Keep a close eye on your production budget. If sales and demand increase or decrease, adjust your production budget accordingly.

6. Labor budget

如果您有员工或计划雇用员工，请考虑制定劳动预算。使用劳动预算来确定您需要多少员工才能达到一定水平的生产水平。您的劳动预算还可以帮助您计划工资费用。

In addition to helping you plan out staffing, a labor budget can assist you when it comes to allocating expenses for季节性工人.

7.资本预算

A capital budget can help you plan for purchases of large资产, such as:

• 机械
• Property
• Vehicles

A business’s capital budget lays out the cost of the asset, the expected payback period, and the asset’s potential return on investment. Your capital budget can tell you whether or not the purchase would be a good investment.

8.静态预算

一些具有可预测销售和费用的企业可能会创造静态预算。全年的静态预算不会改变。您可以使用静态预算来发现差异并评估销售绩效。

静态预算不会受到销售量或业务其他任何变化的影响。静态预算中的某些类型的费用可能包括：

• 软件
• Contractor fees
• Subscription fees
• Warehouse rent
• 公用事业
• 供应成本

Include any expenses that remain unchanged (or fixed) throughout the period in your static budget.

另一方面，如果您有不断变化的费用，请使用灵活的预算。灵活的预算随着销售和生产的变化而波动。

9. Overhead budget

An overhead budget includes fixed and variable管理费用for a specific period.

可变成本根据您的销售活动（例如佣金）而有所不同。固定成本保持不变，无论您的销售情况如何。固定成本are the expenses you must pay to run your business (e.g., rent).

概述您的所有变量和固定间接费用在您的间接费用预算中。

10.主预算

A master budget is a combination of all of your business’s individual budgets. Your master budget gives you a complete financial picture of your company. And, it can show you where certain income and expenses fit in overall in the business.

Master budgets are more common for larger businesses. However, small businesses can also use a master budget to break down their finances by category or department.

Use your master budget to plan what you need to do to reach business and financial goals. Your master budget may consist of a number of different budgets, including:

• Sales
• 生产
• 现金周转
• 操作

Preparing any type of business budget

Your business budget acts as a roadmap for your company’s finances. To ensure your budget keeps your finances on track, follow these steps when creating a budget for your business:

1. 增加收入
2. List out variable costs
3. Determine variable costs
4. Account for additional and unexpected expenses
5. 分析您的现金流
6. 概述您的预算
7. Tweak when necessary

Once you establish whichever types of business budgets your heart desires, revisit them from time to time to ensure that they’re up-to-date and accurate.

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