r/UKPersonalFinance 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, debt, savings, mortgage, and pension, 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
: "My aunt died. She left me half her pension. How should I take it?"
25 posts
#2
Money Talk
: "How much does the possibility of no work after 55 affect your financial planning?"
11 posts
#3
Pain & Anger
: "Sudden drop in income and considering a DMP"
9 posts
#4
Solution Requests
: "Is there a free app or website that shows total wealth across investments and savings?"
2 posts
Popular Topics in r/UKPersonalFinance
#1
Struggling
57 posts
#2
Debt
: "How would you tackle £38k of Debt on a £28k salary in the UK?"
13 posts
#3
Savings
: "Easy Access Savings accounts September 2026?"
11 posts
#4
Mortgage
: "Buying a new house before selling current one using inheritance and ported Mortgage"
7 posts
#5
Pension
5 posts
#6
Tax
: "HMRC Late Tax Return - Am I finished?"
5 posts
#7
Property
5 posts
#8
Student
4 posts
#9
Isa
: "Should I wait out cash Isa intro rate then switch to S&S Isa?"
3 posts
#10
Credit Card
3 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
Removed
: "Credit score is 106. Can I ever rent again?!"
5 posts
#2
+Comments Restricted to UKPF
: "Finally Paid off the mortgage 11 years early."
4 posts
#3
Removed - R2
: "Paying UK uni student loan in full - is it a good idea?"
2 posts
#4
R89 - Short term savings
: "What do with with savings + lump sum received"
1 post
Member Growth in r/UKPersonalFinance
Yearly
+95k members(5.3%)
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About
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Last updated: September 13, 2026