This study aims to examine and analyze mental accounting, financial literacy, and financial inclusion on the financial behavior of accounting students. The independent variables in this study are mental accounting, financial literacy, and financial inclusion. A quantitative research method is used in this study. The research population consists of 5th and 7th-semester accounting students from the Faculty of Economics and Business, Wijaya Kusuma University Surabaya. Using a purposive sampling technique, a sample of 114 students was selected. The data collected in this study is primary data obtained by distributing questionnaires. This study employs IBM SPSS 23 statistical tools for testing. The results show that mental accounting has a positive effect on the financial behavior of accounting students, financial literacy has a positive effect on the financial behavior of accounting students, and financial inclusion has a negative effect on the financial behavior of accounting students