This App is free and works with the Paid version of Budget Challenge ($20/student).

Budget Challenge® is an award-winning and patented program that actually SHOWS young people how to manage money in a real life setting. We use a Learning-By-Doing approach to put students in the driver’s seat in our Road Test for Personal Finance®. Our simulations are 9-16 weeks in duration and students receive paychecks and bills in real time and are challenged to pay their bills and save money for retirement in a 401k. Unlike other simulations, Budget Challenge is also a competition that scores and ranks students based on how well they save, answer weekly quizzes, and manage their financial responsibilities (pay bills). Students can compete with other students in their class and classes can compete with other classes based on class average to make learning engaging and fun.

The simulation does not use real money, but is extremely realistic including features such as online bill pay, direct deposit, email bill alerts, 401k paycheck deductions and more. Budget Challenge also includes many of the complicated banking and credit card fees that plague young people in the real world, so students can learn the ropes and make their costly ‘rookie’ mistakes in the safety of the classroom.

Budget Challenge aims to make students Real World Ready by focusing on Behaviors, Knowledge, and Skills. Our program aligns with NCEE and Jump$tart national standards and goes well beyond teaching vocabulary and financial concepts by putting these topics into action with real consequences. This patented product delivers unparalleled results that really matter for students entering the real world. The statistics below were from a study of over 25,000 students and were published on

* 92% said learning about money management was very important and 80% wanted to learn more
* 92% said they were more likely to check their account balance before writing a check
* 89% said they were more confident and 91% said they were more aware of money pitfalls and mistakes
* 87% said they were better able to avoid bank and credit card fees
* 84% said they were better able to understand fine print and 79% said they were better able to compare financial products
* 78% said they learned money management methods that worked best for them
* 53% said they were rethinking their college major or career choice with an eye toward higher pay

While most of the core functionality of the website is contained in this app, there are limitations of small screens, so some content has been abridged or removed from the app. For first time users, we recommend playing the simulation for a week or two on a PC/Mac before using the app exclusively.


2015 EIFLE Award Winner: Education Program of the Year - Money Management
Patent Nos. 8,444,418 and 8,740,617
Presenter at National Conferences: NCEE (National Council for Economic Education) and NCSS (National Council for Social Studies)

What's New

Version 2.3.2

Switched push notifications to Firebase.

Ratings and Reviews

2.5 out of 5
12 Ratings
12 Ratings

Slowest app I have ever used


This is probably the most poorly designed app I have ever used. The purpose of having an app is so that you can quickly access this and have an easier experience than the desktop version of the sight. For me, it is faster to log in every time I want to get into the app and navigate through the desktop version of the website in my phone. That is how bad this app is. First off, the interface is absolutely hideous. All it is is a white background with green ovals. When I try to scroll down, one of the green ovals will be selected and then I will have to press the home button in the top left corner to get it to go back to the main screen. That is the other problem- there is no swipe function to swipe back like most all apps have in ios8 and even 7 for that matter. Anyway, I would be semi-okay with it if the button actually worked. Every button needs to be pressed twice on most occasions- once to be selected and the other to actually get to the next screen. Also there is no way to tell I was indeed successful or not in selecting the button besides to wait for a solid 10 seconds and see if anything happens. One time I didn't think it registered so I ended up paying a bill three times and didn't realize it until it was deducted from my bank account. Bottom line: it looks and feels like a fifth grader designed this app.

Very realistic program


Budget challenge is the only program that gives me paychecks and bills to pay. It feels very real and the app takes it to the next level. I like learning how to manage money the way I will do it in real life.

Needs a calendar


This is an okay app, however, I would recommend putting a calendar in the app that keeps track of when all of you bills are due and how much have you paid. Otherwise, sometimes you lose track of the email that the budget challenge sends. This would be helpful with keeping and staying organized.


ProperLiving, LLC
5.4 MB
Requires iOS 6.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 12+ for the following:
Infrequent/Mild Simulated Gambling
© 2018 ProperLiving, LLC


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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