This App is free and works with the Sponsored version of Budget Challenge named H&R Block Budget Challenge found on and contains features to support the scholarship contest for high school students.

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 contest simulations are 10 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 the learning of life skills 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.

What's New

Version 2.3.5

Updated url.

Customer Reviews

1.9 out of 5

54 Ratings

54 Ratings

Challenge is too vague and and not helpful/user friendly at all.


I have to do this challenge for my 7th period independent living class. I have to say, this is by far the worst thing I have put up with all day. They spam you with automated emails that you can't turn off. The website doesn't even show you what bills you're supposed to pay and when. There is a roommate option for housing, but he/she doesn't even pay part of the rent. The app/website is not user friendly. They basically expect how to navigate it with vaguely named sections throughout the site. If you pay bills early than their due date then it just takes your money and sends you the bill anyways. This is just a very terribly set up challenge, and I hope I never have to hear or deal with it in the future ever again.

This app is hardly useful.

A Disappointed HS Student

Honestly speaking, this is one of the worst apps I have ever used. The interface is confusing and difficult to read, buttons and inputs are arranged terribly, and on top of that, this app is beyond slow. I have a 2nd Gen iPod that can load anything faster than this app loads a page after I press a button on my 5S, and I mean any button on this app. The only thing that is helpful at all is that I get notifications for the budget challenge. It's nothing more than an alert system, which is basically useless because I already get email alerts anyway.


Not made by the same people

At first I thought the app didn’t work because of all the other reviews and the fact that the checks you send on here don’t register as pending, but trust me, it actually works. It’s really easy, though the interface is a little old, I’ve paid all my bills here and I’m at the top of my class. I definitely recommend.


ProperLiving, LLC
8.5 MB
Requires iOS 6.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2015 ProperLiving LLC


  • Family Sharing

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

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