This study aims to find out and analyze the factors that influence the behavior of student financial management at the undergraduate level at a public university in Yogyakarta. Data collection in this study using questionnaires. The number of samples used was 300 respondents, using the stratified random sampling technique. The independent variables used in this study are financial knowledge, financial attitudes, personality, and spiritual intelligence. The results of this study indicate that financial knowledge, personality, and spiritual intelligence have an influence on personal financial management. The financial attitude variable has a negative influence which means that when a person's financial attitudes decline will affect improved financial management, this is because in addressing financial management a mature policy is needed and has confidence in the ability to manage or not.