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 21.9M 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 439K members have joined in the past year. Popular discussion topics include Tools, Car, and Finance. 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: +439K members
Growth: +2.0% / 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: 356K members

Past year (monthly)

  • 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: 33K members
  • Oct: 6K members

Themes

  • Advice Requests
    10 posts in the past month
    1. Need help with finances…graduating residency in 2 years, high earning potential as attending
    2. First Home Purchase: Small 401k loan, or no?
    3. Advice please on a tricky financial situation
    #1
    Advice Requests
    Need help with finances…graduating residency in 2 years, high earning potential as attending · First Home Purchase: Small 401k loan, or no? · Advice please on a tricky financial situation
    10
  • Pain & Anger
    3 posts in the past month
    1. At my breaking point with extreme FIRE
    2. Impulsive Home Purchase Has Created a Financial and Personal Nightmare
    3. Over 20k Debt in credit cards .
    #2
    Pain & Anger
    At my breaking point with extreme FIRE · Impulsive Home Purchase Has Created a Financial and Personal Nightmare · Over 20k Debt in credit cards .
    3

Topics

  • Tools
    7 posts in the past month
    #1
    Tools
    7
  • Car
    3 posts in the past month
    1. Is it worth paying $2000 to repaint a car worth $1000?
    #2
    Car
    Is it worth paying $2000 to repaint a car worth $1000?
    3
  • Finance
    3 posts in the past month
    1. Need help with finances…graduating residency in 2 years, high earning potential as attending
    #3
    Finance
    Need help with finances…graduating residency in 2 years, high earning potential as attending
    3
  • Bank
    2 posts in the past month
    #4
    Bank
    2
  • Bank Account
    2 posts in the past month
    #5
    Bank Account
    2

Flair

  • Other
    10 posts in the past month
    1. Weekend Help and Victory Thread for the week of October 02, 2026
    2. I am a first time homebuyer
    3. Moment you realize you made it?
    #1
    Other
    Weekend Help and Victory Thread for the week of October 02, 2026 · I am a first time homebuyer · Moment you realize you made it?
    10
  • Credit
    9 posts in the past month
    1. made payments but my credit is not updated yet, should i call them?
    2. Cancel credit cards but need high credit score?
    3. Savings account for transfer college students
    #2
    Credit
    made payments but my credit is not updated yet, should i call them? · Cancel credit cards but need high credit score? · Savings account for transfer college students
    9
  • Debt
    9 posts in the past month
    1. Needing advice RE:credit unions and debt
    2. Student loan refinancing
    3. Girlfriend in 50k credit card debt.
    #3
    Debt
    Needing advice RE:credit unions and debt · Student loan refinancing · Girlfriend in 50k credit card debt.
    9
  • Retirement
    8 posts in the past month
    1. How much do you need saved at 60 to retire comfortably?
    2. Rollover roth from 401k
    3. Retirement Wealth Circle
    #4
    Retirement
    How much do you need saved at 60 to retire comfortably? · Rollover roth from 401k · Retirement Wealth Circle
    8
  • Investing
    7 posts in the past month
    1. Should I sell what’s in my brokerage account to contribute more to my 403(b)?
    2. The boss to open brokerage , account with Fidelity
    3. Has anyone gone from 70/30 to 90/10, what’s been your results? My quick write up below
    #5
    Investing
    Should I sell what’s in my brokerage account to contribute more to my 403(b)? · The boss to open brokerage , account with Fidelity · Has anyone gone from 70/30 to 90/10, what’s been your results? My quick write up below
    7

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 10/2/2026

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 21.9M 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.
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

17
Views /mo
(+113%)
17
Visitors /mo
(+113%)
1
Referrals /mo

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