r/personalfinance

Community Overview
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reddit.com/r/personalfinance/
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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 517K members have joined in the past year. Popular discussion topics include Struggling, Finance, and Financially. Common discussion themes are Advice Requests and Money Talk. Product recommendations often mention high yield savings account, credit card, and financial advisor.

On Reddit
Established 2009
21.8M Members

Community Topics

Community Features

Forum

This community has a forum

Subreddit Analysis

via GummySearch
Yearly: +517K members
Growth: +2.4% / year

Member 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: 262K members

Past year (monthly)

  • Aug: 110K members
  • 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: 14K members

Themes

  • Advice Requests
    31 posts in the past month
    1. I don't know what to do with my money.
    2. Looking for another credit card option with a high limit. Suggestions are appreciated.
    3. Is it okay to use a debit card? Plus more questions
    #1
    Advice Requests
    I don't know what to do with my money. · Looking for another credit card option with a high limit. Suggestions are appreciated. · Is it okay to use a debit card? Plus more questions
    31
  • Money Talk
    3 posts in the past month
    1. Is moving out a waste of money for me?
    2. Should I sell my new vehicle back to the dealership and buy something old and reliable
    3. Large Raise + Lifestyle Creep
    #2
    Money Talk
    Is moving out a waste of money for me? · Should I sell my new vehicle back to the dealership and buy something old and reliable · Large Raise + Lifestyle Creep
    3
  • Pain & Anger
    1 post in the past month
    1. Finance Anxiety / Drowning Feeling
    #3
    Pain & Anger
    Finance Anxiety / Drowning Feeling
    1

Topics

  • Struggling
    50 posts in the past month
    #1
    Struggling
    50
  • Finance
    12 posts in the past month
    #2
    Finance
    12
  • Financially
    9 posts in the past month
    #3
    Financially
    9
  • Budgeting
    7 posts in the past month
    #4
    Budgeting
    7
  • Debt
    6 posts in the past month
    #5
    Debt
    6

Flair

  • Other
    15 posts in the past month
    1. Late 20s early 30s Advice
    2. Parents getting old, will and assets advice
    3. What’s Your “Tell My Partner Before I Buy It” Dollar Threshold?
    #1
    Other
    Late 20s early 30s Advice · Parents getting old, will and assets advice · What’s Your “Tell My Partner Before I Buy It” Dollar Threshold?
    15
  • Investing
    12 posts in the past month
    1. Down payment on house - should I margin loan on brokerage or sell the shares to generate capital?
    2. Portfolio reorganization for ~700 CAD/month passive income target. Sanity check?
    3. Next steps with windfall of money.
    #2
    Investing
    Down payment on house - should I margin loan on brokerage or sell the shares to generate capital? · Portfolio reorganization for ~700 CAD/month passive income target. Sanity check? · Next steps with windfall of money.
    12
  • Planning
    8 posts in the past month
    1. I don't know what to do with my money.
    2. Stuck between a rock and a hard place.
    3. Possible to have my Canadian friend as a beneficiary through Schwab?
    #3
    Planning
    I don't know what to do with my money. · Stuck between a rock and a hard place. · Possible to have my Canadian friend as a beneficiary through Schwab?
    8
  • Debt
    8 posts in the past month
    1. Home Equity Loan for Windows and Water softener?
    2. 27, $10k in debt, trying to decide: pay off debt first or start prerequisite classes?
    3. Able to pay off $20k of our $22k CC debt. Better to do it all at once or split it into two payments?
    #4
    Debt
    Home Equity Loan for Windows and Water softener? · 27, $10k in debt, trying to decide: pay off debt first or start prerequisite classes? · Able to pay off $20k of our $22k CC debt. Better to do it all at once or split it into two payments?
    8
  • Auto
    6 posts in the past month
    1. Help! How can I pay this car loan off faster than my loan term? And how bad did the dealership screw me?
    2. Purchased a vehicle about 3 weeks ago. New lender is Capital One but
    3. About to start searching, Finance Advise
    #5
    Auto
    Help! How can I pay this car loan off faster than my loan term? And how bad did the dealership screw me? · Purchased a vehicle about 3 weeks ago. New lender is Capital One but · About to start searching, Finance Advise
    6

Product recommendations

  • high yield savings account
    10 posts in the past month
    1. Recommend a high-yield savings account
    2. HYSA recs? My 'emergency fund' is collecting dust, unsure where to move money
    3. Any recs for HYSA (or checking) to use as checking/cash account?
    #1
    high yield savings account
    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?
    10
  • credit card
    9 posts in the past month
    1. Is there a negative impact on my credit score for seeking the best interest rate on a credit card?
    2. 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).
    3. Which Credit Card is best for me UK
    #2
    credit card
    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
    9
  • financial advisor
    5 posts in the past month
    1. Can anyone recommend a certified financial planner from Faucet
    2. DINKWAD trying to start a family- think we need a financial advisor- any recs?
    3. Financial Advisor Recs
    #3
    financial advisor
    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
    5
  • loan
    4 posts in the past month
    1. Best way to borrow £2000 urgently?
    2. Which loan is best to offset?
    3. I want to get rid of my parents debt and my own, would a loan be the best option?
    #4
    loan
    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?
    4
  • budget app
    3 posts in the past month
    1. Recommend me a budget app on android
    2. Recommend on budgeting platform/bank app that allow you to organize/categorize money within savings account.
    3. Budget / Finance Tracker App recs
    #5
    budget app
    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
    3
View full analysis on GummySearchSynced 7/11/2026

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.
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Added 10/15/2021

Monthly Stats

5
Views /mo
(-37%)
5
Visitors /mo
(-29%)
0
Referrals /mo

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