How much damage will I get for not taking the maximum math class in HS?

If you take the highest available to you (calculus AB), that looks better than if you stop taking math before getting to the highest available to you (i.e. if you stop after this year and take no math senior year).

Business majors usually do not need math higher than single variable calculus (and many colleges offer an easier calculus for business majors course). So calculus AB in high school is fine, and a high AP score may fulfill some of the math requirement for a business major. The exception is if you want to go into quant finance or some such, where you would take substantially more math and mathematical statistics than is ordinarily required for business majors, but calculus AB is fine even in that case.

Note that some “top” universities do not offer business majors, although economics is often used as a substitute at such schools, and the economics departments may offer more business-adjacent courses in addition to the more usual liberal arts / theory / research emphasis economics courses.

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