About r/UKPersonalFinance
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
The community at a glance
r/UKPersonalFinance is a Subreddit for Points Chasers with roughly 1.9M members. It has been around since 2012. It uses a forum format for communication. On the Hive Index it ranks #10 in the Credit Cards communities list.
Roughly 98K members have joined in the past year. Popular discussion topics include Struggling, Debt, and Property. Common discussion themes are Advice Requests and Money Talk. Product recommendations often mention credit card, savings account, and loan.
Community Topics
Community Features
This community has a forum
Subreddit Analysis
via GummySearchMember growth over time
All time (yearly)
- 2014: 3K members
- 2015: 5K members
- 2016: 8K members
- 2017: 14K members
- 2018: 21K members
- 2019: 31K members
- 2020: 102K members
- 2021: 362K members
- 2023: 686K members
- 2024: 335K members
- 2025: 231K members
- 2026: 83K members
Past year (monthly)
- Dec: 10K members
- Jan: 10K members
- Feb: 7K members
- Mar: 8K members
- Apr: 9K members
- May: 8K members
- Jun: 8K members
- Jul: 8K members
- Aug: 8K members
- Sep: 8K members
- Oct: 6K members
- Nov: 2K members
Themes
- Advice Requests21 posts in the past month
- My dad has created a financial and moral problem. Please help
- How much pension is too much pension?
- Stocks & Shares newbie needing advice (from the UK)
#121Advice RequestsMy dad has created a financial and moral problem. Please help · How much pension is too much pension? · Stocks & Shares newbie needing advice (from the UK) - Money Talk21 posts in the past month
- My dad has the invested a substantial sum overseas - is it a scam?
- 30F - Clear £9k debt on £45k (potentially £55.5k), to save for a deposit
- What can I do with £97k with a short term-ish focus?
#221Money TalkMy dad has the invested a substantial sum overseas - is it a scam? · 30F - Clear £9k debt on £45k (potentially £55.5k), to save for a deposit · What can I do with £97k with a short term-ish focus? - Solution Requests2 posts in the past month
- I have 12 months to spend £11,500 or my benefits get cut. What should I do/spend it on?
- About to buy a house and compliance has become complicated. Risk losing my free 2k from the Govt in my LISA. Any solution?
#32Solution RequestsI have 12 months to spend £11,500 or my benefits get cut. What should I do/spend it on? · About to buy a house and compliance has become complicated. Risk losing my free 2k from the Govt in my LISA. Any solution? - Pain & Anger2 posts in the past month
- Please help. Bailiff at my door with a warrant this morning
- I previously asked for advice about debt of about £16k. Now feeling worse having filled out Stepchange form online
#42Pain & AngerPlease help. Bailiff at my door with a warrant this morning · I previously asked for advice about debt of about £16k. Now feeling worse having filled out Stepchange form online
Topics
- Struggling32 posts in the past month#132Struggling
- Debt7 posts in the past month#27Debt
- Property5 posts in the past month#35Property
- Money5 posts in the past month#45Money
- Student4 posts in the past month#54Student
Flair
- +Comments Restricted to UKPF5 posts in the past month
- My dad has created a financial and moral problem. Please help
- My dad has the invested a substantial sum overseas - is it a scam?
- I've started my first ever near minimum wage full time job at age 38, paying the minimum amount in to my pension, will I ever be able to retire?
#15+Comments Restricted to UKPFMy dad has created a financial and moral problem. Please help · My dad has the invested a substantial sum overseas - is it a scam? · I've started my first ever near minimum wage full time job at age 38, paying the minimum amount in to my pension, will I ever be able to retire? - Removed5 posts in the past month
- Would you take redundancy or stay?
- Buying flat for 'Base of Operations'?
- Is New Style JSA even worth it for me?
#25RemovedWould you take redundancy or stay? · Buying flat for 'Base of Operations'? · Is New Style JSA even worth it for me? - Removed - R31 post in the past month
- Cash ISAs looking good, but should I commit?
#31Removed - R3Cash ISAs looking good, but should I commit? - Removed - R21 post in the past month
- Should I start moving funds to a LISA?
#41Removed - R2Should I start moving funds to a LISA? - R5 - unanswerable, yes/no, DAE1 post in the past month
- How much rent would you pay on a 3.5k salary
#51R5 - unanswerable, yes/no, DAEHow much rent would you pay on a 3.5k salary
Product recommendations
- credit card9 posts in the past month
- Best Credit Card for Honeymoon
- Best FX Credit Card for international travel
- What is the best travel credit card to get as a minimum wage worker who wants to visit the US and travel to other countries?
#19credit cardBest Credit Card for Honeymoon · Best FX Credit Card for international travel · What is the best travel credit card to get as a minimum wage worker who wants to visit the US and travel to other countries? - savings account6 posts in the past month
- Saving for a house – looking for advice on ISAs and best options
- Looking for the best high interest savings accounts for a 20 year old.
- Best savings account to deposit £7150? Currently with Halifax Instant Saver
#26savings accountSaving for a house – looking for advice on ISAs and best options · Looking for the best high interest savings accounts for a 20 year old. · Best savings account to deposit £7150? Currently with Halifax Instant Saver - loan6 posts in the past month
- Best way to quickly pay off a 35k loan?
- Best way to borrow £2000 urgently?
- Best small UK personal loans for around £50 for emergency?
#36loanBest way to quickly pay off a 35k loan? · Best way to borrow £2000 urgently? · Best small UK personal loans for around £50 for emergency? - pension4 posts in the past month
- 24M Self employed. Best pension scene?
- Best pension / SIPP app for a beginner?
- Best option for My uncles pension, need help
#44pension24M Self employed. Best pension scene? · Best pension / SIPP app for a beginner? · Best option for My uncles pension, need help - investment platform3 posts in the past month
- Investing - looking for best platform for my needs
- Best investment platform for 6 figure lump sum?
- recommend a investment platform for Asia/HK exposure
#53investment platformInvesting - looking for best platform for my needs · Best investment platform for 6 figure lump sum? · recommend a investment platform for Asia/HK exposure
Community Reviews
Frequently asked questions
- Who is r/UKPersonalFinance for?
- Best for Points Chasers enthusiasts looking for a Reddit-based community with forum discussion.
- Is r/UKPersonalFinance 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/UKPersonalFinance have?
- Roughly 1.9M members, based on figures reported by the community or its host. Member counts are approximate and change over time.
- What platform is r/UKPersonalFinance on?
- r/UKPersonalFinance 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/UKPersonalFinance cover?
- On the Hive Index, r/UKPersonalFinance is organized under Points Chasers.
- How do I join r/UKPersonalFinance?
- You can join r/UKPersonalFinance by clicking this link, or pressing the "Go to community" button above.
- What are the Credit Cards communities like?
- Communities for credit card churning, rewards optimization, and discussing the best credit card deals, sign-up bonuses, and current offers.
Added 10/14/2026
Monthly Stats
- 14
- Views /mo
- 12
- Visitors /mo
- 0
- Referrals /mo
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