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 credit card, struggling, mortgage, debt, and advice, 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
: "RBC closed my accounts while I live abroad — they want me to come to a branch to collect a draft. What are my options?"
31 posts
#2
Money Talk
: "I have one day to make a decision about taking a gov job. But it’s a large paycut."
22 posts
#3
Pain & Anger
: "Dad died unexpectedly @ 59. Mom is 65. Unsure what she should do. Some life insurance, not huge savings, she does work full time"
10 posts
#4
Solution Requests
: "Help with major problem!"
4 posts
Popular Topics in r/PersonalFinanceCanada
#1
Credit Card
: "Need feedback on Credit Card situation - to close or not to close?"
27 posts
#2
Struggling
26 posts
#3
Mortgage
: "Mortgage renewing Nov 1, early renewal option with TD, variable being offered prime -1.01 (3.59%)"
26 posts
#4
Debt
: "CRA garnishing wages for 100k+ Debt and placed 15k lien on home. What’s the best way forward?"
22 posts
#5
Advice
16 posts
#6
Car
: "Anyone self insure their Car?"
16 posts
#7
Investment
: "I'm M36, started saving 4 years ago, 50k in saving/Investment accounts. Am I doing well?"
15 posts
#8
Taxes
: "CRA garnishing wages for 100k+ debt and placed 15k lien on home. What’s the best way forward?"
14 posts
#9
Financial
13 posts
#10
Worst
12 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
Budget
: "Freedom Mobile Launches $20 25GB 5G+ Can/US (Including Ontario) Til June 26th"
26 posts
#2
Banking
: "Employer overpaid, now asking me to e-transfer it back"
23 posts
#3
Investing
: "Got an Email from WealthSimple. I won $5,000. 2 hours later, oops we are Sorry."
21 posts
#4
Auto
: "UPDATE: Clutch - Non-Disclosure"
20 posts
#5
Housing
: "Just lost out on a house to a cash offer where I was the highest offer by $5000 but had a financing condition. Is the cash offer really worth 5 grand?"
18 posts
#6
Misc
: "PSA: Canadians affected by the LastPass data breach have until tonight to file a claim"
13 posts
#7
Debt
: "Money lending to a friend"
13 posts
#8
Retirement / CPP / OAS / GIS
: "[39m] ~$1.8m payout, when can I feasibly retire?"
11 posts
#9
Employment
: "I have one day to make a decision about taking a gov job. But it’s a large paycut."
10 posts
#10
Taxes / CRA Issues
: "Can my parents sell us their lot (not primary residence) for $1?"
9 posts
Member Growth in r/PersonalFinanceCanada
Yearly
+129k members(7.5%)
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Last updated: June 26, 2026