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, credit card, debt, investment, and mortgage, 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
: "Side job has earned me over £1000 each year for years, had no idea i had to pay tax on this income until today and need advice. (England)"
62 posts
#2
Money Talk
: "Solar panels - taking a 0% loan for 3 years, is it a good idea?"
4 posts
#3
Solution Requests
: "UK Budgeting app recommendations similar to Monarch Money, please."
3 posts
#4
Pain & Anger
: "Saving is draining my energy- how to feel better, more proactive?"
1 post
Popular Topics in r/UKPersonalFinance
#1
Struggling
57 posts
#2
Credit Card
15 posts
#3
Debt
13 posts
#4
Investment
12 posts
#5
Mortgage
12 posts
#6
Savings
8 posts
#7
Bank
6 posts
#8
Property
6 posts
#9
Tax
5 posts
#10
Isa
4 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
: "Side job has earned me over £1000 each year for years, had no idea i had to pay tax on this income until today and need advice. (England)"
11 posts
#2
Removed
: "32/m with history of cancer - what should I do with our savings?"
7 posts
#3
Removed - R2
: "Is a GIA the best next step for me?"
1 post
#4
Removed - R3
: "Is a DMP worth it for 7K debt? Paying out over £620 a month I can’t keep this up"
1 post
#5
R5 - unanswerable, yes/no, DAE
: "Treasury Bills Issuance- what is your experience with this??"
1 post
#6
Removed - Market Timing
: "Stuck with large chunk of cash - bad time to increase investments?"
1 post
Member Growth in r/UKPersonalFinance
Yearly
+98k members(5.5%)
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About
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Last updated: August 13, 2026