r/personalfinance covers budgeting, saving, debt, credit, investing and retirement planning. When your situation is specific — a very tight budget, a debt-payoff push, a card question, an investing idea, early retirement, or Canadian or UK rules — a narrower community usually fits better.
None of these replaces a licensed adviser.
How to choose
Stay on personalfinance for general planning. Use povertyfinance when money is very tight, Frugal for spending habits, debtfree for payoff progress, CreditCards for card choices, investing for investment discussion, financialindependence for FIRE, and the Canada or UK rooms when local rules matter.
Starting point: r/personalfinance
r/personalfinance
— Personal Finance
- Members: 21.9M
- Directory rank: #32
- 7-day growth: +5.2K
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!
Curated alternatives
Personal Finance For The Financially Challenged
- Members: 2.9M
- Directory rank: #373
When to choose it: You are struggling financially and want advice without judgment.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “Financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. No Judgement, just advice!”
How it differs from r/personalfinance: Hardship-focused support versus general planning.
Frugal Living: Waste Less, Gain More!
- Members: 6.9M
- Directory rank: #113
When to choose it: You want to spend less day to day.
Why it is here: Its public description: “Frugality is the mental approach we each take when considering our resource allocations. It includes time, money, convenience, and many other factors.”
How it differs from r/personalfinance: Habits and mindset rather than financial systems.
Debt Free
- Members: 1.8M
- Directory rank: #616
When to choose it: You are working through a debt payoff plan.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “A community for people working towards being debt free.”
How it differs from r/personalfinance: Single goal: getting out of debt.
Credit Cards
- Members: 1.6M
- Directory rank: #675
When to choose it: Your question is about choosing or using credit cards.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to…”
How it differs from r/personalfinance: Card products and rewards versus whole-budget planning.
Lose money with friends!
- Members: 3.5M
- Directory rank: #292
When to choose it: You want to discuss investment ideas.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “Rules 1. No low effort posts. Share investment ideas and insights or ask thoughtful investing discussion questions. We are not a politics or general corporate news…”
How it differs from r/personalfinance: Investing discussion only; its description bans low-effort posts.
Financial Independence / Retire Early
- Members: 2.5M
- Directory rank: #449
When to choose it: You are aiming for financial independence or early retirement.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. Financial Independence is closely related to…”
How it differs from r/personalfinance: Long-horizon FI/RE strategy versus everyday money questions.
Personal Finance For Canadians
- Members: 1.9M
- Directory rank: #582
When to choose it: You live in Canada and local accounts or taxes matter.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “Your one-stop shop to discuss personal finance within Canada.”
How it differs from r/personalfinance: Canada-specific rules and products.
UKPersonalFinance: Getting your pounds in order
- Members: 1.9M
- Directory rank: #590
When to choose it: You live in the UK.
Why it is here: Listed as related to r/personalfinance in our directory. Its public description: “Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.”
How it differs from r/personalfinance: UK-specific budgeting, saving and investing.
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Members and public descriptions come from SubMouse's safe-for-work directory (as of 2026-11-02 UTC); 7-day growth measured from 2026-10-26. Posts/day and culture claims appear only when we have them — missing fields stay n/a. Directory rank is listing order. Communities outside the published Top 100 open in the info tool instead of a full community page. Guide updated 2026-11-06.