r/PersonalFinanceCanada is a subreddit with 1.9M members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, advice, credit card, financial, and worst, and they frequently recommend/review cashback credit card, tax software, and credit card.
Your one-stop shop to discuss personal finance within Canada.
Popular Themes in r/PersonalFinanceCanada
#1
Advice Requests
: "Would it be financially worth it to go back to school at 38?"
30 posts
#2
Money Talk
: "I am losing my job. I’ve been offered 16 weeks severance, either as a lump sum or they continue to pay my salary for the next 16 weeks. Which option is best for me financially?"
21 posts
#3
Pain & Anger
: "Water bill suddenly too high in Toronto area"
1 post
Popular Topics in r/PersonalFinanceCanada
#1
Struggling
25 posts
#2
Advice
16 posts
#3
Credit Card
15 posts
#4
Financial
13 posts
#5
Worst
12 posts
#6
Tired
11 posts
#7
Struggles
9 posts
#8
Hard Time
7 posts
#9
Bank Account
7 posts
#10
Debt
6 posts
Products Discussed in r/PersonalFinanceCanada
Cashback Credit Card
157 reviews
#1
Rogers
4.3★ from 36 reviews
#2
Tangerine
4.0★ from 18 reviews
#3
CIBC
4.0★ from 16 reviews
Tax Software
81 reviews
#1
Wealthsimple
4.3★ from 39 reviews
#2
TurboTax
3.4★ from 8 reviews
#3
GenuTax
4.6★ from 7 reviews
Credit Card
64 reviews
#1
Scotiabank
4.3★ from 13 reviews
#2
AMEX
4.4★ from 9 reviews
#3
Rogers
3.9★ from 7 reviews
Flair Used in r/PersonalFinanceCanada
#1
Investing
: "Buying a 25mil dairy farm"
30 posts
#2
Auto
: "Dealership says I can’t pay off my new auto loan for 6 months. Is this a lie to protect their commission?"
23 posts
#3
Banking
: "Why does it still take 5 days for a cheque to clear?"
21 posts
#4
Budget
: "Feeling guilty about potentially spending $12K on a two-week vacation. Can I afford it? Is it a bad idea?"
16 posts
#5
Housing
: "Can I [Should I] buy a 450k condo on a 70k salary"
14 posts
#6
Taxes / CRA Issues
: "Can parents sell a house to an adult child at their original purchase price (ACB) without CRA forcing FMV?"
13 posts
#7
Misc
: "Why electrician pre-apprenticeship programs are no guarantee of work, or even an apprenticeship"
12 posts
#8
Employment
: "When someone tells you to “join a trade”"
11 posts
#9
Debt
: "Finally paid off CC debt after 6 years, credit recovered."
11 posts
#10
Retirement / CPP / OAS / GIS
: "Help me with my (admittedly) first world problem"
9 posts
Member Growth in r/PersonalFinanceCanada
Yearly
+120k members(6.9%)
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About
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Last updated: July 24, 2026