r/personalfinance

Community Overview
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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 and Points Chasers with roughly 21.9M members. It has been around since 2009. It uses a forum format for communication. On the Hive Index it ranks #4 in the Credit Cards communities list. It is the 1st largest community in the Financial Independence topic page.

Roughly 453K members have joined in the past year. Popular discussion topics include Finances, Debt, and Struggling. 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
21.9M Members

Community Topics

Community Features

Forum

This community has a forum

Subreddit Analysis

via GummySearch
Yearly: +453K members
Growth: +2.1% / 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: 390K members

Past year (monthly)

  • 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: 33K members
  • Oct: 31K members
  • Nov: 9K members

Themes

  • Advice Requests
    36 posts in the past month
    1. Am I low income or is the 50/30/20 budget guideline just not realistic?
    2. Budget for moving out
    3. Can someone please help me understand some financial circumstances
    #1
    Advice Requests
    Am I low income or is the 50/30/20 budget guideline just not realistic? · Budget for moving out · Can someone please help me understand some financial circumstances
    36
  • Pain & Anger
    5 posts in the past month
    1. How screwed am I? 33 with stay at home wife. 3 kids. $30k in roth, $18k emergency fund.
    2. Shame/life on pause - decision
    3. I'm in trouble and don't see a way ou.
    #2
    Pain & Anger
    How screwed am I? 33 with stay at home wife. 3 kids. $30k in roth, $18k emergency fund. · Shame/life on pause - decision · I'm in trouble and don't see a way ou.
    5
  • Money Talk
    3 posts in the past month
    1. Two years out of grad school, living with my parents, and saving/investing as much as I can. What you do next with my finances?
    2. Getting 60k and need to buy a new car
    3. I was gifted $5k. Is it better to put it in savings or investments?
    #3
    Money Talk
    Two years out of grad school, living with my parents, and saving/investing as much as I can. What you do next with my finances? · Getting 60k and need to buy a new car · I was gifted $5k. Is it better to put it in savings or investments?
    3

Topics

  • Finances
    3 posts in the past month
    1. Two years out of grad school, living with my parents, and saving/investing as much as I can. What you do next with my finances?
    #1
    Finances
    Two years out of grad school, living with my parents, and saving/investing as much as I can. What you do next with my finances?
    3
  • Debt
    2 posts in the past month
    #2
    Debt
    2
  • Struggling
    2 posts in the past month
    #3
    Struggling
    2
  • Budgeting
    2 posts in the past month
    1. How am I doing financially?
    #4
    Budgeting
    How am I doing financially?
    2
  • Financial Advice
    2 posts in the past month
    1. How am I doing financially?
    #5
    Financial Advice
    How am I doing financially?
    2

Flair

  • Other
    14 posts in the past month
    1. How do I get "evidence gathered" by my credit card provider who has denied my claim saying they have investigated it?
    2. Shame/life on pause - decision
    3. I'm in trouble and don't see a way ou.
    #1
    Other
    How do I get "evidence gathered" by my credit card provider who has denied my claim saying they have investigated it? · Shame/life on pause - decision · I'm in trouble and don't see a way ou.
    14
  • Planning
    14 posts in the past month
    1. Can someone please help me understand some financial circumstances
    2. Sell employer stock to pay down a 5.625% mortgage, or put it in VOO or other stock?
    3. Planning for college
    #2
    Planning
    Can someone please help me understand some financial circumstances · Sell employer stock to pay down a 5.625% mortgage, or put it in VOO or other stock? · Planning for college
    14
  • Investing
    13 posts in the past month
    1. 30 years old. $40k in bank account. What to do with it?
    2. How does the stock market choose who gets a stock during IPO?
    3. Why can selling fractional shares take an extra business day to appear in my account?
    #3
    Investing
    30 years old. $40k in bank account. What to do with it? · How does the stock market choose who gets a stock during IPO? · Why can selling fractional shares take an extra business day to appear in my account?
    13
  • Retirement
    13 posts in the past month
    1. 401k contributions at age 50
    2. 26 years old, $5k in savings, $10.9k in debt. Should I pay off debt or start investing in a Roth IRA?
    3. 401k self loan to pay off debt
    #4
    Retirement
    401k contributions at age 50 · 26 years old, $5k in savings, $10.9k in debt. Should I pay off debt or start investing in a Roth IRA? · 401k self loan to pay off debt
    13
  • Debt
    12 posts in the past month
    1. Elderly relative with overwhelming credit card debt, what to do?
    2. Should I sell an inherited condo now or rent it for 3 years? Probate debts and family complications
    3. Home loan for unemployed
    #5
    Debt
    Elderly relative with overwhelming credit card debt, what to do? · Should I sell an inherited condo now or rent it for 3 years? Probate debts and family complications · Home loan for unemployed
    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 11/12/2026

Frequently asked questions

Who is r/personalfinance for?
Best for Personal finance seekers and FIRE chasers and Points 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 21.9M 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, Points 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

50
Views /mo
(+56%)
50
Visitors /mo
(+61%)
1
Referrals /mo
(-50%)

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