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 486K members have joined in the past year. Popular discussion topics include Savings, Invest, and Loan. Common discussion themes are Advice Requests and Pain & Anger. 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: +486K members
Growth: +2.3% / 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: 283K 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: 1K members

Themes

  • Advice Requests
    76 posts in the past month
    1. My wife recently passed away, and I'm trying to make the most responsible financial decisions for my daughter and me.
    2. Roth 401k or Traditional 401k?
    3. Investment suggestions
    #1
    Advice Requests
    My wife recently passed away, and I'm trying to make the most responsible financial decisions for my daughter and me. · Roth 401k or Traditional 401k? · Investment suggestions
    76
  • Pain & Anger
    8 posts in the past month
    1. When does it ever feel like enough?
    2. Boss called me an idiot because I'm investing my pension in the S&P instead of guaranteed 3%
    3. debt and past due bills
    #2
    Pain & Anger
    When does it ever feel like enough? · Boss called me an idiot because I'm investing my pension in the S&P instead of guaranteed 3% · debt and past due bills
    8
  • Solution Requests
    6 posts in the past month
    1. Money Management Programs For PC?
    2. What finance tracking app is best?
    3. I kept forgetting free trials and getting charged, so I started using this £1/month tool
    #3
    Solution Requests
    Money Management Programs For PC? · What finance tracking app is best? · I kept forgetting free trials and getting charged, so I started using this £1/month tool
    6
  • Money Talk
    6 posts in the past month
    1. Paying for a laptop with a credit card
    2. 4% high yield savings accounts
    3. Bank closed my account and keeping my money
    #4
    Money Talk
    Paying for a laptop with a credit card · 4% high yield savings accounts · Bank closed my account and keeping my money
    6

Topics

  • Savings
    7 posts in the past month
    #1
    Savings
    7
  • Invest
    7 posts in the past month
    1. 10k to invest in the stock market as a beginner
    2. Investment suggestions
    #2
    Invest
    10k to invest in the stock market as a beginner · Investment suggestions
    7
  • Loan
    4 posts in the past month
    #3
    Loan
    4
  • House
    4 posts in the past month
    #4
    House
    4
  • Looking For
    3 posts in the past month
    #5
    Looking For
    3

Flair

  • Other
    22 posts in the past month
    1. Financial Literacy Advice
    2. Looking for advice for claim money
    3. People in their 40s and beyond, how did your earnings, savings and investments grow with age?
    #1
    Other
    Financial Literacy Advice · Looking for advice for claim money · People in their 40s and beyond, how did your earnings, savings and investments grow with age?
    22
  • Investing
    18 posts in the past month
    1. 10k to invest in the stock market as a beginner
    2. Investment suggestions
    3. Should I convert Stocks to Municipal Bonds
    #2
    Investing
    10k to invest in the stock market as a beginner · Investment suggestions · Should I convert Stocks to Municipal Bonds
    18
  • Planning
    14 posts in the past month
    1. My wife recently passed away, and I'm trying to make the most responsible financial decisions for my daughter and me.
    2. Advice on moving money out of low-earning pension plan
    3. I have 17k in my checking account and I'm not sure how best to utilize it
    #3
    Planning
    My wife recently passed away, and I'm trying to make the most responsible financial decisions for my daughter and me. · Advice on moving money out of low-earning pension plan · I have 17k in my checking account and I'm not sure how best to utilize it
    14
  • Saving
    12 posts in the past month
    1. How do i start with roughly 1.5 grand a month?
    2. 529 withdrawal method: to my account or directly to the school?
    3. Help finding a HYSA, I live in Puerto Rico
    #4
    Saving
    How do i start with roughly 1.5 grand a month? · 529 withdrawal method: to my account or directly to the school? · Help finding a HYSA, I live in Puerto Rico
    12
  • Debt
    12 posts in the past month
    1. Snowball or avalanche? $30k in debt
    2. How to choose between paying off debt or invest while changing careers?
    3. 36, unemployed, $70k in debt, trying to figure out where to start
    #5
    Debt
    Snowball or avalanche? $30k in debt · How to choose between paying off debt or invest while changing careers? · 36, unemployed, $70k in debt, trying to figure out where to start
    12

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 8/1/2026

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

11
Views /mo
(+175%)
9
Visitors /mo
(+125%)
0
Referrals /mo

Similar Communities

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