The purpose of this study is to determine the effect of lifestyle, spiritual intelligence and financial literacy on students personal financial management. The selection of the sample in this study was carried out by using a pusposive sampling method. The population in this study are students of the Faculty of Economics and Business, Muhammadiyah University Purwokerto, Jenderal Soedirman University and Saiffudin Zuhri State Islamic University Purwokerto. This study used a sample of 110 respondents. Data were analyzed using descriptive statistical analysis, classical assumption test, multiple regression analysis and model fit test. The results of the study show that spiritual intelligence and financial literacy have a positive effect on personal financial management. Meanwhile, lifestyle has no effect on personal financial management