Monthwise Budget Lab

About this app

Students plan a fictional month's take-home pay across rent, food, transportation, entertainment, savings and emergency reserves, then move through four weeks where surprise bills pop up and must be covered from reserves, cash, or savings before it counts as debt. They pick a difficulty (starter, balanced, expert) that changes income tightness and event frequency, get a score out of 100 for a valid plan, debt-free weeks and final savings rate, and a running money journal plus end-of-month reflection prompts. It suits grades 9-12 financial literacy classes, needs no partner or special equipment, sound is optional and off by default, and progress saves on the device with no real financial data involved.