About r/personalfinance
In its own words:
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!
The community was created on Feb 9, 2009, which makes it 17 years old. Since Oct 19, 2026, it has gained 8,753 subscribers (+0.04%). Among the 10 communities on our personal finance list it is the largest. It sits just behind r/sports (#31) and ahead of r/dataisbeautiful (#33) in our ranking.
What sets r/personalfinance apart
Compared with other large communities, r/personalfinance leans heavily on text posts (90% of recent posts; the typical Top 100 subreddit sits at 17%).
Subscriber growth
Between Sep 19, 2026 and Oct 29, 2026, r/personalfinance went up from 21,842,631 to 21,884,905 subscribers (+42.3K, +0.19%). That is about 1,057 new members per day. The chart uses our weekly snapshots (8 so far), so it gets longer every week.
Top posts on r/personalfinance this week
This week’s highest-ranked posts, in Reddit’s own order (collected Oct 29, 2026).
- Dad has no investments at 60u/intwesting · Oct 23 · text post
- DO NOT trust Chime promos, straight up scamming new members out of $200u/SubstantialAd1586 · Oct 26 · text post
- PNC Bank forbids goodwill credit adjustments.u/PremodernPrometheus · Oct 26 · text post
- Debt collector called me to get to my sisteru/Iprobablyfixedurcomp · Oct 24 · text post
- Is it a problem if a car dealer ran credit reports on my wife and I each, when we told them we were doing a cash deal?u/JimMarch · Oct 27 · text post
- I'm confused about my HSA: Should I use it for medical expenses or save it? Can I reimburse myself all of it?u/FalafelBall · Oct 26 · text post
- If retiring early, what do you do about health insurance?u/petthezoo · Oct 24 · text post
- Left job, can't get 401k withdrawal bc employer says I'm still employed thereu/Budget_Discussion828 · Oct 27 · text post
- U.S. debt collector pursuing a paid Bologna, Italy traffic fine — what are my options?u/acarusone · Oct 23 · text post
- Can’t afford dental billsu/Otherwise_Fan_9107 · Oct 28 · text post
All-time top posts
The highest-ranked posts in the history of r/personalfinance, from 2017 to 2020, ranked by Reddit.
- You are not "family" to your company. If you have an opportunity to better yourself, take it. They will do the same when it comes to cutting ties with you.u/Po1sonator · Mar 4, 2020 · 74,325 points · 642 comments · text post
- Warning: AT&T applying "customer loyalty speed upgrades" without customer consentu/ghostofgbt · Jan 1, 2018 · 61,971 points · 2,490 comments · text post
- If you’re ripped off by Comcast (or any internet company), Wells Fargo (or any bank/student lender), or Aetna (or any health insurance company), here’s how to get your money back.u/listenlindalinda · Apr 1, 2018 · 55,989 points · 2,334 comments · text post
- U.S. Breaks Up Fake I.R.S. Phone Scam Operation -- 21 people sentenced for up to 20 yrs, 32 in India indictedu/L1ghtf1ghter · Jul 23, 2018 · 55,240 points · 883 comments · text post
- I made a spreadsheet for people who don't know how to budget!u/Celesmeh · May 15, 2019 · 49,554 points · 1,656 comments · text post
- Stop Spending Money on Food! -- BUY A CROCKPOTu/bplturner · Oct 2, 2017 · 45,072 points · 4,359 comments · text post
- Quick Reminder to Not Give Away Your Salary Requirement in a Job Interviewu/lltrs186 · Mar 8, 2018 · 43,634 points · 3,805 comments · text post
- Bank of America just imposed a new $60 annual fee on their previously free personal savings account.u/RicoCat · Nov 17, 2017 · 41,691 points · 3,732 comments · text post
- For everyone shopping on Amazon's Prime Day: "savings" from sales aren't savings if you weren't already planning on buying the item.Jul 16, 2018 · 39,198 points · 1,989 comments · text post
- In most cases, it will cost your employer far more to replace you than it would to give you a raise. So ask firmly.Jan 11, 2018 · 36,589 points · 2,087 comments · text post
What r/personalfinance talks about
Looking at the titles of 687 recent posts (Oct 21–Oct 28), the words that come up most are “car”, “advice”, “debt”, “credit” and “money”. Other frequent themes are help, retirement, card, pay, financial and loan. Recurring phrases include “credit card”, “roth ira”, “car loan” and “personal finance”. By format, 90% are text posts and 10% are links.
Popular post flairs: Other (96), Investing (66), Retirement (62), Planning (55), Debt (54), Auto (52).
Activity and best time to post
r/personalfinance gets about 160 new posts a day. The public archive holds 1,789,790 posts and 24,113,050 comments in total, about 13.5 comments per post.
Rules of r/personalfinance
The moderators of r/personalfinance list 10 rules. In short:
- Submission guidelines
- Self-promotional advertising or soliciting
- Unhelpful or disrespectful
- Asking for handouts or transactions
- Legal or business discussion
- Politicizing
- Lawbreaking information
- Personal attack or abusive language
- Personal advice discussion
- Other bad behavior
How to join
Open reddit.com/r/personalfinance and press “Join”. Read the community rules in the sidebar before you post: every subreddit is run by its own volunteer moderators.
Frequently asked questions
How many members does r/personalfinance have?
r/personalfinance has 21,884,905 subscribers (Oct 29, 2026), which makes it the #32 safe-for-work subreddit in the SubMouse ranking. It added 42,274 members between Sep 19, 2026 and Oct 29, 2026.
How old is r/personalfinance?
r/personalfinance was created on Feb 9, 2009, so it has been around for 17 years.
How active is r/personalfinance?
Very active: r/personalfinance gets about 160 new posts a day (average of the last four weeks). Over its lifetime the archive counts 1,789,790 posts and 24,113,050 comments. In a sample of 687 recent posts we counted 624 different authors.
What is r/personalfinance about?
The community describes itself as: “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!” Recent post titles often mention car, advice, debt, credit and money. Most posts are text posts (90%).
Is r/personalfinance safe for work?
Yes. Reddit does not mark r/personalfinance as an 18+ (NSFW) community. SubMouse lists safe-for-work subreddits only.
How do I post on r/personalfinance?
Join the community on Reddit first, then use “Create post”. r/personalfinance accepts text posts only, with galleries enabled. It has 10 posted rules, starting with: “Submission guidelines”; “Self-promotional advertising or soliciting”; “Unhelpful or disrespectful”. Moderators remove posts that break the rules, so read them in the sidebar before posting.
Which communities are like r/personalfinance?
Communities with similar topics include r/PersonalFinanceCanada (1.9M), r/povertyfinance (2.9M), r/stocks (9.4M), r/CryptoMarkets (2M) and r/buildapc (8.5M).
Stats from public data (data updated Oct 29, 2026; activity, rules and archive totals via the Arctic Shift archive, Oct 29, 2026; top posts from Reddit’s public feeds). Point and comment counts are archive snapshots and can be lower than on Reddit today. SubMouse is an independent directory and is not affiliated with Reddit or the moderators of r/personalfinance.