r/personalfinance

Community Overview
r/personalfinance logo
reddit.com/r/personalfinance/
Go to community
→

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 413K members have joined in the past year. Popular discussion topics include Debt, Investing, and Retirement. 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: +413K members
Growth: +1.9% / 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: 326K members

Past year (monthly)

  • 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: 35K members
  • Sep: 9K members

Themes

  • Advice Requests
    49 posts in the past month
    1. Divorced sahm with 2 kids, and parents who only have 40k for retirement.
    2. For single people that bought homes at the top of your price point, are you happy with your decision? Or do you regret it?
    3. How to approach long-term care for drug addict mother
    #1
    Advice Requests
    Divorced sahm with 2 kids, and parents who only have 40k for retirement. · For single people that bought homes at the top of your price point, are you happy with your decision? Or do you regret it? · How to approach long-term care for drug addict mother
    49
  • Money Talk
    12 posts in the past month
    1. How to pay for nieces/nephews college tuitions equitably
    2. how to justify expensive purchases and get rid of spending guilt?
    3. 20k in HYSA. Should I keep it there or is there something smarter?
    #2
    Money Talk
    How to pay for nieces/nephews college tuitions equitably · how to justify expensive purchases and get rid of spending guilt? · 20k in HYSA. Should I keep it there or is there something smarter?
    12
  • Pain & Anger
    9 posts in the past month
    1. Household Income Down 70%
    2. I didn't think I'd make it to this age. Now I don't know what to do.
    3. I am worried it feels like everything is crashing down around me and I don’t know what to do.
    #3
    Pain & Anger
    Household Income Down 70% · I didn't think I'd make it to this age. Now I don't know what to do. · I am worried it feels like everything is crashing down around me and I don’t know what to do.
    9
  • Solution Requests
    3 posts in the past month
    1. Budgeting app recommendation?
    2. Best expense-only tracker for someone with messy/variable income sources?
    3. there a money problem you wish an app or website could just handle for you?
    #4
    Solution Requests
    Budgeting app recommendation? · Best expense-only tracker for someone with messy/variable income sources? · there a money problem you wish an app or website could just handle for you?
    3

Topics

  • Debt
    13 posts in the past month
    1. Just Wiped $1,611 Off My CC Debt in One Go — Now What? (Avalanche vs. Snowball Dilemma)
    2. 23 with $3,000 debt from a payday loan and a "line of credit", and I have no clue how I'm going to keep making payments.
    3. Paying Off High Interest Debt
    #1
    Debt
    Just Wiped $1,611 Off My CC Debt in One Go — Now What? (Avalanche vs. Snowball Dilemma) · 23 with $3,000 debt from a payday loan and a "line of credit", and I have no clue how I'm going to keep making payments. · Paying Off High Interest Debt
    13
  • Investing
    12 posts in the past month
    1. Partner just started investing and I can't tell if he's smart, addicted, or both.
    2. Help with Retirement Accounts and Investing
    3. Advice on investing at 19
    #2
    Investing
    Partner just started investing and I can't tell if he's smart, addicted, or both. · Help with Retirement Accounts and Investing · Advice on investing at 19
    12
  • Retirement
    11 posts in the past month
    1. Do you keep your 401K throughout retirement?
    2. Divorced sahm with 2 kids, and parents who only have 40k for retirement.
    3. Where to rollover retirement fund for self-employed worker
    #3
    Retirement
    Do you keep your 401K throughout retirement? · Divorced sahm with 2 kids, and parents who only have 40k for retirement. · Where to rollover retirement fund for self-employed worker
    11
  • Budgeting
    8 posts in the past month
    1. there a money problem you wish an app or website could just handle for you?
    2. Best expense-only tracker for someone with messy/variable income sources?
    3. Finances and Splitting Bills
    #4
    Budgeting
    there a money problem you wish an app or website could just handle for you? · Best expense-only tracker for someone with messy/variable income sources? · Finances and Splitting Bills
    8
  • Savings
    6 posts in the past month
    1. 20k in HYSA. Should I keep it there or is there something smarter?
    #5
    Savings
    20k in HYSA. Should I keep it there or is there something smarter?
    6

Flair

  • Other
    30 posts in the past month
    1. How to pay for nieces/nephews college tuitions equitably
    2. How to deal with financially irresponsible parent
    3. how to justify expensive purchases and get rid of spending guilt?
    #1
    Other
    How to pay for nieces/nephews college tuitions equitably · How to deal with financially irresponsible parent · how to justify expensive purchases and get rid of spending guilt?
    30
  • Retirement
    19 posts in the past month
    1. Do you keep your 401K throughout retirement?
    2. Traditional 401k vs Roth 401k
    3. Advice on maxing out 401k
    #2
    Retirement
    Do you keep your 401K throughout retirement? · Traditional 401k vs Roth 401k · Advice on maxing out 401k
    19
  • Investing
    17 posts in the past month
    1. Partner just started investing and I can't tell if he's smart, addicted, or both.
    2. 26 years old - super over indexed on AAPL
    3. Selling our house and expected to get 40k - how should we save / invest it?
    #3
    Investing
    Partner just started investing and I can't tell if he's smart, addicted, or both. · 26 years old - super over indexed on AAPL · Selling our house and expected to get 40k - how should we save / invest it?
    17
  • Debt
    14 posts in the past month
    1. At (my) rock bottom, unsure what to do
    2. 5/1 ARM with 3 years left at 4.99% — refinance, pay it down, or save cash?
    3. Banks closed while negative balance
    #4
    Debt
    At (my) rock bottom, unsure what to do · 5/1 ARM with 3 years left at 4.99% — refinance, pay it down, or save cash? · Banks closed while negative balance
    14
  • Planning
    13 posts in the past month
    1. Divorced sahm with 2 kids, and parents who only have 40k for retirement.
    2. How to approach long-term care for drug addict mother
    3. I am worried it feels like everything is crashing down around me and I don’t know what to do.
    #5
    Planning
    Divorced sahm with 2 kids, and parents who only have 40k for retirement. · How to approach long-term care for drug addict mother · I am worried it feels like everything is crashing down around me and I don’t know what to do.
    13

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 9/8/2026

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.
Go to communitySuggest an editReport communityClaim community

Added 10/15/2021

Monthly Stats

7
Views /mo
(-12%)
7
Visitors /mo
(+17%)
0
Referrals /mo

Similar Communities

12
reddit.com/r/personalfinance/
Go to community
→