r/UKPersonalFinance is a subreddit with 1.8M members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, investment, mortgage, tax, and savings, and they frequently recommend/review budgeting app, currency exchange, and budgeting software.
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
Popular Themes in r/UKPersonalFinance
#1
Advice Requests
: "Mother offering 400k-500k of inheritance if I look after her until she dies"
60 posts
#2
Money Talk
: "I recently sold some Pokemon card sealed boxes for £50,000 which I collected over a decade ago - do I need to pay tax on this transaction?"
20 posts
#3
Pain & Anger
: "Finally Telling My Partner About My Debt"
11 posts
Popular Topics in r/UKPersonalFinance
#1
Struggling
68 posts
#2
Investment
: "Any bad experiences with Moneybox?"
49 posts
#3
Mortgage
: "Mortgage overpayments-what am I not understanding?"
48 posts
#4
Tax
: "If you are PAYE and not filing self assessment you can speed up SIPP Tax relief by calling HMRC and reporting your bank savings from the year before over the phone"
36 posts
#5
Savings
: "Son's Savings, what best to do for his future."
35 posts
#6
Debt
: "Need some help with my credit card Debt"
34 posts
#7
Finance
: "Uncle passed away and had £20k in old notes stashed away. Bank refusing to let us pay it in."
33 posts
#8
Income
: "Critical Illness, Life Insurance, Income Protection!?"
32 posts
#9
Isa
: "Best stocks and shares lifetime Isa"
31 posts
#10
Pension
: "Private Pension vs government keeps raising withdrawal age"
31 posts
Products Discussed in r/UKPersonalFinance
Budgeting App
30 reviews
#1
YNAB
4.7★ from 6 reviews
#2
Moneyhub
4.4★ from 5 reviews
#3
Actual Budget
4.0★ from 3 reviews
Currency Exchange
30 reviews
#1
Wise
4.8★ from 6 reviews
#2
Starling
5.0★ from 3 reviews
#3
Interactive Brokers
4.3★ from 3 reviews
Budgeting Software
26 reviews
#1
YNAB
4.8★ from 4 reviews
#2
Yolt
4.0★ from 3 reviews
#3
Monzo
4.0★ from 2 reviews
Flair Used in r/UKPersonalFinance
#1
+Comments Restricted to UKPF
: "Parent took advantage of my post-coma vulnerability to borrow £3,000, now refuses to pay me back"
20 posts
#2
Removed
: "Charging rent to a sibling - is it fair?"
8 posts
#3
R5 - unanswerable, yes/no, DAE
: "is it wrong for me to report a business for not paying taxes?"
1 post
#4
Removed - R93
: "Still feel poor after doing all the right things"
1 post
#5
R89 - Short term savings
: "House equity and where to keep it"
1 post
#6
Removed - R3
: "I just don't earn enough money, what can I do?"
1 post
#7
R89 - Short term savings
: "Gifted £100k for house development. Where to put the money right now?"
1 post
Member Growth in r/UKPersonalFinance
Yearly
+102k members(5.9%)
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Last updated: June 13, 2026