A convertible bullet-proof backpack and vest includes a body section divided into a front portion, a middle portion, and back portion. The middle portion has a head slot opening, and the front and back portions have respective sections of bullet-proof fabric integrated therein. A zipper runs around an outer perimeter of the front and back portions. In a backpack configuration, the zipper secures the outer perimeters of the front portion and the back portion together thereby forming a hollow backpack interior between them. In a bullet-proof vest configuration, the zipper is unzipped thereby allowing a user to insert their head through the head slot opening such that the front portion hangs in front of a torso of the user and the back portion hangs behind the torso of the user.