r/personalfinance
21.7M members
r/personalfinance is a subreddit with 21.7M members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, finance, retirement, investment, and debt, and they frequently recommend/review budget app, budgeting app, and online banking.
Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!
Popular Themes in r/personalfinance
#1
Advice Requests
: "Windfall and want to move somewhere rural, is it possible?"
34 posts
#2
Money Talk
: "13k at 18yrs old, have no intention to spend it"
28 posts
#3
Pain & Anger
: "$22k credit card debt, stopped using cards, still feels like I’m making no progress"
4 posts
#4
Solution Requests
: "Budgeting app suggestion?"
1 post
#5
Ideas
: "On this trading journey I want to learn from others, ideas, plans or any insight to prepare them for tomorrow opens?"
1 post
#6
Opportunities
: "Which employment incentive would you choose?"
1 post
#7
Self-Promotion
: "Personal training(Online)"
1 post
Popular Topics in r/personalfinance
#1
Struggling
61 posts
#2
Finance
: "The average person severely neglects personal Finance - what is our society going to look like when it’s old?"
43 posts
#3
Retirement
: "I'm far ahead of schedule with Retirement savings. Can I slow down contributions?"
34 posts
#4
Investment
: "What Investment should I use for my Deferred Comp through empower?"
34 posts
#5
Debt
: "Debt Collections Question - What do I do?"
32 posts
#6
Savings
: "21 paid off credit card debt now focusing on Savings and other debt"
31 posts
#7
Financial
29 posts
#8
Budgeting
: "Monzo Budgeting tool advice or alternatives"
27 posts
#9
Looking For
25 posts
#10
Car
: "First Time Car Buyer: Used v. New?"
24 posts
Products Discussed in r/personalfinance
Budget App
187 reviews
#1
YNAB
4.6★ from 39 reviews
#2
Mint
3.7★ from 20 reviews
#3
EveryDollar
4.2★ from 13 reviews
Budgeting App
128 reviews
#1
YNAB
4.4★ from 29 reviews
#2
You Need A Budget
4.8★ from 15 reviews
#3
Monarch
4.1★ from 8 reviews
Online Banking
105 reviews
#1
Ally
4.5★ from 24 reviews
#2
Credit Union
4.1★ from 8 reviews
#3
Charles Schwab
4.9★ from 7 reviews
Flair Used in r/personalfinance
#1
Other
: "I’m an heir to a broke aunt"
26 posts
#2
Planning
: "Realized I’m not just not poor anymore and have weird emotions"
19 posts
#3
Retirement
: "I'm far ahead of schedule with retirement savings. Can I slow down contributions?"
17 posts
#4
Housing
: "I missed the boat on buying an affordable home"
14 posts
#5
Budgeting
: "What can I do better to save for a house?"
14 posts
#6
Debt
: "$15k HVAC, 60 months 0% interest, no deferred interest - good?"
13 posts
#7
Investing
: "Meeting with Fidelity Financial Planner"
11 posts
#8
Saving
: "Married, separate bank accounts. Is it worth it to push all funds into one joint?"
11 posts
#9
Auto
: "First Time Car Buyer: Used v. New?"
10 posts
#10
Employment
: "Been broke all my life, and finally landed a well-paying job. Need advice on what to do with my money other than put it into a savings account to set myself up for the future."
5 posts
Member Growth in r/personalfinance
Yearly
+554k members(2.6%)
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Last updated: June 23, 2026