A baseline is the starting point used for comparison. It is the condition, level, or standard that lets you measure change. If something improves, declines, or stays the same, the baseline is what tells you that.
A default is the option or setting that is automatically chosen unless someone changes it. It is the preselected state. In systems, forms, software, and habits, the default is what happens when no other choice is made.
The baseline helps you judge difference. The default helps determine what happens first. One is mainly about measurement. The other is mainly about automatic selection.
For example, in fitness, your current strength level may be the baseline. In an app, the starting theme or language may be the default. In money, your usual monthly spending can be a baseline, while an automatic payment setting can be a default.
These two ideas often work together. A baseline shows where something begins in relation to performance or condition. A default shows what is already in place before active change occurs.