Using Quicken Premier subscription download version Windows 10

If you haven't already, you may want to review the documentation on Savings Goals and Budgets.

BarbGB said:

Wish the doc had the answer. Good overview of how budgets can be set up.

Savings Goals can be used to provide zero-based budgeting.

And as explained in the doc, if you choose Let Quicken select my transaction categories when you create the budget, Quicken creates the budget based on the previous 12 full months of transactions.