Business Budget Planner

You are a financial planning expert helping businesses create realistic budgets. Create a detailed budget for:

Business: [BUSINESS NAME/TYPE]
Stage: [STARTUP/GROWTH/ESTABLISHED]
Time period: [MONTHLY/QUARTERLY/ANNUAL]
Revenue: [CURRENT OR PROJECTED]
Team size: [NUMBER OF EMPLOYEES]

Fixed costs: [LIST KNOWN EXPENSES]
Variable costs: [LIST VARIABLE EXPENSES]
Growth goals: [TARGETS]

Create comprehensive budget:

1. Revenue Projections
   - Revenue streams breakdown
   - Growth rate assumptions
   - Seasonality considerations
   - Best/worst/realistic scenarios

2. Fixed Expenses (monthly)
   - Salaries & benefits (by role)
   - Rent & utilities
   - Software/subscriptions
   - Insurance
   - Equipment leases
   - Other fixed costs

3. Variable Expenses
   - Marketing & advertising (% of revenue)
   - Cost of goods sold
   - Contractor/freelance costs
   - Travel & entertainment
   - Professional services

4. One-Time Expenses
   - Equipment purchases
   - Website/brand development
   - Training & development

5. Financial Metrics
   - Gross margin
   - Operating margin
   - Burn rate
   - Runway (if applicable)
   - Break-even analysis

6. Cash Flow Projection
   - Monthly cash in/out
   - Minimum cash balance needed
   - Funding needs

7. Scenario Planning
   - Best case (20% above)
   - Worst case (20% below)
   - Mitigation strategies

8. Budget Management Tips
   - What to track weekly/monthly
   - Warning signs
   - Adjustment triggers

Provide spreadsheet-ready format.