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 with roughly 21.7M 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 559K members have joined in the past year. Popular discussion topics include Finance, Struggling, and Savings. 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
21.7M Members

Community Topics

Community Features

Forum

This community has a forum

Subreddit Analysis

via GummySearch
Yearly: +559K members
Growth: +2.6% / 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: 238K members

Past year (monthly)

  • Jul: 84K members
  • 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: 32K members

Themes

  • Advice Requests
    57 posts in the past month
    1. Windfall and want to move somewhere rural, is it possible?
    2. You may be able to get a discount on your homeowners insurance premium by removing it from your mortgage escrow
    3. What can I do better to save for a house?
    #1
    Advice Requests
    Windfall and want to move somewhere rural, is it possible? · You may be able to get a discount on your homeowners insurance premium by removing it from your mortgage escrow · What can I do better to save for a house?
    57
  • Money Talk
    13 posts in the past month
    1. Retire at 49 or stick it out until 56?
    2. Mom came into money, wondering best way to make it work
    3. Is 18.5K In Savings Enough To Be Spending Freely?
    #2
    Money Talk
    Retire at 49 or stick it out until 56? · Mom came into money, wondering best way to make it work · Is 18.5K In Savings Enough To Be Spending Freely?
    13
  • Pain & Anger
    10 posts in the past month
    1. [US] A weird scam I cannot figure out
    2. My wife’s identity was stolen and a fraudulent University of Phoenix student loan has been attached to her name for a year. How do we finally get this resolved?
    3. $22k credit card debt, stopped using cards, still feels like I’m making no progress
    #3
    Pain & Anger
    [US] A weird scam I cannot figure out · My wife’s identity was stolen and a fraudulent University of Phoenix student loan has been attached to her name for a year. How do we finally get this resolved? · $22k credit card debt, stopped using cards, still feels like I’m making no progress
    10
  • Solution Requests
    2 posts in the past month
    1. Suggestions on apps/platforms to calculate and manage a budget on
    2. Has anyone tried any of these budgeting/expense tracking apps? Help me decide!
    #4
    Solution Requests
    Suggestions on apps/platforms to calculate and manage a budget on · Has anyone tried any of these budgeting/expense tracking apps? Help me decide!
    2

Topics

  • Finance
    59 posts in the past month
    1. Been broke all my life, and finally landed a well-paying job. Need advice on what to do with my money other than put it into a savings account to set myself up for the future.
    2. Please read and evaluate my plan to pay off mortgage for adult child vs invest the money
    3. 39, NYC, On Right Track Financially? Portfolio Review in Post
    #1
    Finance
    Been broke all my life, and finally landed a well-paying job. Need advice on what to do with my money other than put it into a savings account to set myself up for the future. · Please read and evaluate my plan to pay off mortgage for adult child vs invest the money · 39, NYC, On Right Track Financially? Portfolio Review in Post
    59
  • Struggling
    53 posts in the past month
    #2
    Struggling
    53
  • Savings
    37 posts in the past month
    1. Is 18.5K In Savings Enough To Be Spending Freely?
    2. Not sure what to do with my savings.
    3. Managing my savings buckets
    #3
    Savings
    Is 18.5K In Savings Enough To Be Spending Freely? · Not sure what to do with my savings. · Managing my savings buckets
    37
  • Retirement
    37 posts in the past month
    1. I'm far ahead of schedule with retirement savings. Can I slow down contributions?
    2. What are your personal next steps/motivations after maxing out retirement accounts?
    3. Getting married next year, need help with retirement plans.
    #4
    Retirement
    I'm far ahead of schedule with retirement savings. Can I slow down contributions? · What are your personal next steps/motivations after maxing out retirement accounts? · Getting married next year, need help with retirement plans.
    37
  • Investment
    34 posts in the past month
    1. Retirement goals with investment property
    2. Investment Property Needing Major Repairs WWYD?
    3. Investment Property Major Repairs Need Funding, WWYD?
    #5
    Investment
    Retirement goals with investment property · Investment Property Needing Major Repairs WWYD? · Investment Property Major Repairs Need Funding, WWYD?
    34

Flair

  • Other
    29 posts in the past month
    1. [US] A weird scam I cannot figure out
    2. Take severance pay or stick it out?
    3. Is splitting a $12k transfer to Vietnam into three $4k transfers a problem?
    #1
    Other
    [US] A weird scam I cannot figure out · Take severance pay or stick it out? · Is splitting a $12k transfer to Vietnam into three $4k transfers a problem?
    29
  • Retirement
    28 posts in the past month
    1. Retire at 49 or stick it out until 56?
    2. I'm far ahead of schedule with retirement savings. Can I slow down contributions?
    3. Need help understanding Mega Backdoor Roth
    #2
    Retirement
    Retire at 49 or stick it out until 56? · I'm far ahead of schedule with retirement savings. Can I slow down contributions? · Need help understanding Mega Backdoor Roth
    28
  • Planning
    26 posts in the past month
    1. Realized I’m not just not poor anymore and have weird emotions
    2. Windfall and want to move somewhere rural, is it possible?
    3. My mother is wanting to retire but her 403b isn’t ready to support that..
    #3
    Planning
    Realized I’m not just not poor anymore and have weird emotions · Windfall and want to move somewhere rural, is it possible? · My mother is wanting to retire but her 403b isn’t ready to support that..
    26
  • Investing
    17 posts in the past month
    1. 38 year old, two young kids, single income
    2. 39, NYC, On Right Track Financially? Portfolio Review in Post
    3. Same brokerage or not?
    #4
    Investing
    38 year old, two young kids, single income · 39, NYC, On Right Track Financially? Portfolio Review in Post · Same brokerage or not?
    17
  • Budgeting
    13 posts in the past month
    1. What can I do better to save for a house?
    2. constantly struggling..
    3. Should I move back in with my parents
    #5
    Budgeting
    What can I do better to save for a house? · constantly struggling.. · Should I move back in with my parents
    13

Product recommendations

  • high yield savings account
    13 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. High Yield Savings Recs
    #1
    high yield savings account
    Recommend a high-yield savings account · HYSA recs? My 'emergency fund' is collecting dust, unsure where to move money · High Yield Savings Recs
    13
  • 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 6/22/2026

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 21.7M 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

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