Hi majesty92,

We value your business and we want to help you minimize your expenses while also ensuring you'll get the best of QuickBooks Online out from what you're paying for.

Just to verify, are you using the Simple Start or Essentials version of QuickBooks Online? If so, please know that the Budgeting function is available only in the Plus version. You'll need to upgrade your account so you can activate and use this function.

Rest assured that you'll be able to take advantage other handy features aside from Budgeting. You can check this page to compare the different features across all versions: https://quickbooks.intuit.com/online-compare.

After an upgrade, you'll get an access to the Budgeting function through the Gear icon.

In addition, I have here an article about the Budgeting function that you might want to read on: How to Create, Edit, and Manage Budgets?

Don't hesitate to leave comment below if you have any other concerns.