About r/personalfinance
Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!
The community at a glance
r/personalfinance is a Subreddit for Personal finance seekers and FIRE chasers with roughly 21.8M members. It has been around since 2009. It uses a forum format for communication. It is the 1st largest community in the Financial Independence topic page.
Roughly 428K members have joined in the past year. Popular discussion topics include House, 401k, and Credit Card. Common discussion themes are Advice Requests and Pain & Anger. Product recommendations often mention high yield savings account, credit card, and financial advisor.
Community Features
This community has a forum
Subreddit Analysis
via GummySearchMember growth over time
All time (yearly)
- 2013: 81K members
- 2014: 1.8M members
- 2015: 2.9M members
- 2016: 4.7M members
- 2017: 3.1M members
- 2018: 918K members
- 2020: 745K members
- 2021: 938K members
- 2023: 3.4M members
- 2024: 1.7M members
- 2025: 1.3M members
- 2026: 306K members
Past year (monthly)
- Sep: 12K members
- Oct: 7K members
- Nov: 36K members
- Dec: 40K members
- Jan: 46K members
- Feb: 35K members
- Mar: 40K members
- Apr: 40K members
- May: 45K members
- Jun: 42K members
- Jul: 34K members
- Aug: 24K members
Themes
- Advice Requests72 posts in the past month
- Wife and I are separating, looking for advice
- Considering taking out a HELOC to pay for roof repair, new HVAC, car and loan payments. Is this a good plan?
- Loan/Mortgage Question
#172Advice RequestsWife and I are separating, looking for advice · Considering taking out a HELOC to pay for roof repair, new HVAC, car and loan payments. Is this a good plan? · Loan/Mortgage Question - Pain & Anger13 posts in the past month
- Laid off. I’m scared.
- Feeling behind financially, am I doing the right thing?
- Learned the hard way what 'prorated' means on an extended warranty
#213Pain & AngerLaid off. I’m scared. · Feeling behind financially, am I doing the right thing? · Learned the hard way what 'prorated' means on an extended warranty - Money Talk7 posts in the past month
- 25k Savings at 20, Looking for Safe Growth
- Reasonable car loan analysis
- Selling stocks to pay off credit card debt
#37Money Talk25k Savings at 20, Looking for Safe Growth · Reasonable car loan analysis · Selling stocks to pay off credit card debt - Solution Requests4 posts in the past month
- reviews of quicken lifehub?
- Google or Excel Spreadsheet Template for a 1099 Employee
- Is there a budget app that tells you what's safe to spend based on your account balance, and expected income and bills?
#44Solution Requestsreviews of quicken lifehub? · Google or Excel Spreadsheet Template for a 1099 Employee · Is there a budget app that tells you what's safe to spend based on your account balance, and expected income and bills?
Topics
- House6 posts in the past month#16House
- 401k5 posts in the past month#25401k
- Credit Card5 posts in the past month#35Credit Card
- Savings4 posts in the past month
- Working FT and going back to school for nursing. How should I divide my paycheck between savings, loans, and retirement?
#44SavingsWorking FT and going back to school for nursing. How should I divide my paycheck between savings, loans, and retirement? - Debt4 posts in the past month#54Debt
Flair
- Other31 posts in the past month
- I messed up financing a car
- Wife and I are separating, looking for advice
- How do I tell my mom I’m no longer going to let her borrow money?
#131OtherI messed up financing a car · Wife and I are separating, looking for advice · How do I tell my mom I’m no longer going to let her borrow money? - Investing17 posts in the past month
- Would you pause investments to focus on reaching savings goal faster?
- Anyone know anything about the Ledcor Stock Plan?
- Expecting to save thousands in housing within the next year - How can I set myself up for success?
#217InvestingWould you pause investments to focus on reaching savings goal faster? · Anyone know anything about the Ledcor Stock Plan? · Expecting to save thousands in housing within the next year - How can I set myself up for success? - Debt16 posts in the past month
- Considering taking out a HELOC to pay for roof repair, new HVAC, car and loan payments. Is this a good plan?
- Advice on credit card debt and loans.
- Working FT and going back to school for nursing. How should I divide my paycheck between savings, loans, and retirement?
#316DebtConsidering taking out a HELOC to pay for roof repair, new HVAC, car and loan payments. Is this a good plan? · Advice on credit card debt and loans. · Working FT and going back to school for nursing. How should I divide my paycheck between savings, loans, and retirement? - Auto14 posts in the past month
- I am having the craziest car rental situation right now and I need some help...
- Live at home with parents, and need to purchase a car, or keep living with a roommate and no car?
- What are the biggest real-world problems in accounting/finance that AI could solve?
#414AutoI am having the craziest car rental situation right now and I need some help... · Live at home with parents, and need to purchase a car, or keep living with a roommate and no car? · What are the biggest real-world problems in accounting/finance that AI could solve? - Housing12 posts in the past month
- Landlord threatened to raise rent over AC repair, is that legit?
- Loan/Mortgage Question
- Can I rent an apartment with x3 rule with my financial situation?
#512HousingLandlord threatened to raise rent over AC repair, is that legit? · Loan/Mortgage Question · Can I rent an apartment with x3 rule with my financial situation?
Product recommendations
- high yield savings account10 posts in the past month
- Recommend a high-yield savings account
- HYSA recs? My 'emergency fund' is collecting dust, unsure where to move money
- Any recs for HYSA (or checking) to use as checking/cash account?
#110high yield savings accountRecommend a high-yield savings account · HYSA recs? My 'emergency fund' is collecting dust, unsure where to move money · Any recs for HYSA (or checking) to use as checking/cash account? - credit card9 posts in the past month
- Is there a negative impact on my credit score for seeking the best interest rate on a credit card?
- What is the best credit card to get for emergencies right now? Medical emergencies and have lots of stock that i cant control the sale of (private).
- Which Credit Card is best for me UK
#29credit cardIs there a negative impact on my credit score for seeking the best interest rate on a credit card? · What is the best credit card to get for emergencies right now? Medical emergencies and have lots of stock that i cant control the sale of (private). · Which Credit Card is best for me UK - financial advisor5 posts in the past month
- Can anyone recommend a certified financial planner from Faucet
- DINKWAD trying to start a family- think we need a financial advisor- any recs?
- Financial Advisor Recs
#35financial advisorCan anyone recommend a certified financial planner from Faucet · DINKWAD trying to start a family- think we need a financial advisor- any recs? · Financial Advisor Recs - loan4 posts in the past month
- Best way to borrow £2000 urgently?
- Which loan is best to offset?
- I want to get rid of my parents debt and my own, would a loan be the best option?
#44loanBest way to borrow £2000 urgently? · Which loan is best to offset? · I want to get rid of my parents debt and my own, would a loan be the best option? - budget app3 posts in the past month
- Recommend me a budget app on android
- Recommend on budgeting platform/bank app that allow you to organize/categorize money within savings account.
- Budget / Finance Tracker App recs
#53budget appRecommend me a budget app on android · Recommend on budgeting platform/bank app that allow you to organize/categorize money within savings account. · Budget / Finance Tracker App recs
Community Reviews
Frequently asked questions
- Who is r/personalfinance for?
- Best for Personal finance seekers and FIRE chasers enthusiasts looking for a Reddit-based community with forum discussion.
- Is r/personalfinance free to join?
- This listing is not marked as paid-only. Access rules and any fees are decided by the community.
- How many members does r/personalfinance have?
- Roughly 21.8M members, based on figures reported by the community or its host. Member counts are approximate and change over time.
- What platform is r/personalfinance on?
- r/personalfinance runs on Reddit. Reddit communities (or "subreddits") are forum-based groups on the popular social news aggregation, web content rating, and discussion website Reddit. Reddit is commonly known as "the front page of the internet". Users submit content to the site such as links, text posts, and images, which are then voted up or down and discussed by other members. From investing Reddit communities, to professional ones, to ones just for laughs, you're likely to find a community for you on Reddit.
- What topics does r/personalfinance cover?
- On the Hive Index, r/personalfinance is organized under Personal finance seekers and FIRE chasers.
- How do I join r/personalfinance?
- You can join r/personalfinance by clicking this link, or pressing the "Go to community" button above.
- What are the Financial Independence communities like?
- Communities for people working toward financial independence, personal finance mastery, or early retirement. Whether you are just starting to budget, tracking progress toward FIRE, or optimizing investments and side income, you will find Reddit communities, Discord groups for stock signals and reselling, and accountability-based spaces for people at every stage of the personal finance journey.
Added 10/15/2021
Monthly Stats
- 8
- Views /mo (+14%)
- 6
- Visitors /mo (-14%)
- 0
- Referrals /mo
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