Top 10 Personal Finance Subreddits My Money Calculators

Leo Migdal

-Dec 14, 2025, 5:46 AM

top 10 personal finance subreddits my money calculators

When it comes to managing finances, it’s practical to have resources and a community to help. One of the best places to find this is on Reddit, where many active subreddits are dedicated to personal finance. Whether you’re just starting your financial journey or looking for advanced strategies to improve your wealth, these subreddits have covered you. From investment advice to financial strategies for business owners, you’ll find it all here. Here In this guide, we’ll explore the ten best personal finance subreddits to help you stay informed and make better financial decisions. A subreddit is a community centered around a particular topic, where members of Reddit can participate in discussions and share content.

Each subreddit has its rules and moderators; users can subscribe to as many subreddits as they wish. You can upvote, downvote, and comment on the content. From news and politics to memes and entertainment, Reddit has a wide range of subreddits. To join a subreddit, all you need is a free Reddit account. Subreddits are identified by the prefix /r/ followed by their name, such as “/r/personalfinance.” Want to learn about money management and develop skills to help you retire early with a “fat stash”?

Have you tried Reddit? The internet’s most active community likes to share financial tips and real-life experiences as much as it likes discussing markets and economic trends. The following money and finance subreddits are a gold mine of financial advice. These are our favorites, but scroll down to find more money and finance subreddits by category. Personal Finance will officially be older than some of its members in just a couple of years. This well of advice has been around since 2009 and counts an incredible 17.5 million people of all ages, educations, and social backgrounds.

It is currently the 22nd-largest community on Reddit. Some of the hottest topics and flairs on PF include: Personal Finance also offers a wiki with financial advice for teenagers, young adults, older young adults (aged 25-35), and mid-career adults, as well as a catalog of helpful books and videos. If you’re looking for thorough and specific advice on personal finance, you’ll probably find it here. Just a list of personal finance related subreddits you should follow: A comprehensive resource for individuals at any stage of their financial journey.

Discussions cover budgeting, saving, debt management, taxes, and more. With over 14 million members, this is often the first stop for anyone looking to improve their financial literacy. The community maintains an excellent wiki with specific advice for different age groups and financial situations. Focuses on achieving financial independence and early retirement (FIRE). Community members share strategies for maximizing savings, investing, and frugal living. This subreddit is perfect for those looking to escape the traditional work-until-65 model and achieve freedom through smart financial planning.

Their regular discussion threads provide motivation and practical tips from people at various stages of their FIRE journey. Dedicated to users of the "You Need A Budget" (YNAB) software, offering support, tips, and discussions on budgeting techniques. Even if you don't use the specific software, the zero-based budgeting principles discussed here can transform how you think about your money. Members regularly share success stories of paying off debt and building savings using YNAB's methodology. A community focused on frugal living, sharing tips and tricks to save money and live economically. This subreddit strikes a good balance between practical money-saving tips and avoiding excessive cheapness that might reduce quality of life.

From DIY solutions to smart shopping strategies, r/frugal helps you stretch your dollars without feeling deprived. Reddit’s best finance communities changed my financial life in unexpected ways. I started browsing Reddit for fun but soon came across groups that helped me maximize credit card rewards and find high-yield savings accounts with APYs above 4.00%. Money problems are the second leading cause of divorce, which shows why these online financial communities became so valuable to me. r/personalfinance’s wealth of knowledge spans thousands of posts about budgeting and retirement planning, and I found that there was practical advice that worked. The community’s financial flowchart became my money roadmap.

It helped me focus on building an emergency fund and paying off high-interest debt first. Other finance subreddits taught me valuable strategies, like Warren Buffet’s advice to invest in low-cost S&P 500 index funds to build long-term wealth. This piece will show you the Reddit communities that helped me earn and save actual money, and how you can benefit from them without getting misled by bad advice. My financial trip on Reddit started during a rough month when my credit card bill showed up with an unexpected car repair bill. The banks and advisors gave me generic advice that seemed designed to sell products I didn’t need. I needed to hear from real people about their experiences.

Reddit offered something different from polished financial websites and sponsored content – raw conversations from real people with similar money problems. The sort of thing I love about these finance subreddits was how people shared both wins and failures openly. Users talked about everything from getting lower interest rates to spotting hidden bank fees eating away at their accounts. I could stay anonymous on Reddit, which made a huge difference. Users shared their exact salaries, debt numbers, and investment results – things most people wouldn’t bring up at dinner. This openness created a learning space you couldn’t find anywhere else.

Written by Diversification.com Editorial Team • Updated June 18, 20256 min read • This article was created using publicly available data at the time of publication. The list includes editorial opinions, is not investment advice, and there are no paid placements. Insight: Collectively, the top 10 finance-related subreddits reach over 30 million subscribers—making Reddit one of the most active spaces for peer-driven market commentary and money advice. Reddit offers a unique blend of anonymity, collective wisdom, and unfiltered discussion—especially valuable for investors navigating volatile markets or seeking real-world financial strategies. This list was compiled using subscriber count as the sole ranking factor. To generate this list, we analyzed subscriber counts of popular finance-related subreddits as of June 2025.

Only subreddits primarily focused on personal finance, investing, or market education were included. Subs centered on short-term speculation, meme stocks, or non-financial content were excluded. The final list is ranked from highest to lowest based on total subscriber count—reflecting where the largest finance-focused conversations are happening on Reddit today. Each subreddit has its own purpose, but in general, subreddits are a great place to go to post questions, tips, advice, and participate in discussions about the main topic. If you're unfamiliar with reddit then you should know that reddit is considered the "front page of the internet." It's a gigantic forum with endless amounts of subreddits (or individual forums) that all cover... As with all subreddits, the following finance subreddits each have their own rules and guidelines to follow when posting and commenting on the forum.

When joining any subreddits, it's always a good idea to go to their About Page and read up on the subreddit rules and guidelines. On r/finance, you can find both financial news and financial views. Here you can find useful question threads and useful finance articles. This is also a perfect subreddit if you don't want to read about personal finance, but finance in general. This subreddit also attempts to steer clear of posts that have to do with topics related to finance, but that misses the mark, like careers. Enjoyed This Article?

Read Other OnJuno Reddit Roundups On-ramp to more than 20 chains with no holding period on crypto withdrawals Home » Personal Finance » 21 Best SubReddit Personal Finance Communities In December 2025 Reddit is a social media platform that has become a popular online community for people around the world to connect and discuss a wide range of topics. With over 330 million active users, Reddit is a hub of information, news, and conversations on everything from politics to hobbies to personal finance. One of the unique features of Reddit is the ability to create and join communities known as "subreddits," which are dedicated to specific topics or interests.

When it comes to personal finance, Reddit has a wealth of information and resources available through its diverse range of personal finance subreddits. These subreddits offer a space for people to share their experiences, ask questions, and offer advice on all aspects of managing money. From budgeting and saving to investing and retirement planning, there are subreddits for every financial topic and goal. In this blog, we will be highlighting the 21 best SubReddit personal finance communities that can provide invaluable guidance and support in achieving financial success. April 19, 2025 in Subreddits Leave a comment Talking about money can feel awkward or overwhelming sometimes, right?

Whether you’re trying to figure out how to save more, get out of debt, start investing, or just make a budget that actually works, it helps to know you’re not alone. Luckily, just like with relationships and careers, Reddit has a ton of communities where people openly discuss their finances, share tips, and ask for advice. If you’re looking to get a better handle on your money situation, these subreddits are great places to start learning and connect with others. r/personalfinance: This is the big one, the main hub for almost everything related to managing your money. People discuss budgeting techniques, paying off debt (like student loans or credit cards), saving for big goals (like a house), understanding retirement accounts (like 401ks or IRAs), dealing with taxes, and insurance questions. They have a fantastic “Prime Directive” flowchart and wiki section that guides you through financial steps based on your situation.

It’s a great starting point for almost any money question. (Subscribers: ~18.0 million) r/financialindependence: This subreddit is focused on the FIRE movement – “Financial Independence, Retire Early.” The core idea is saving and investing a large portion of your income so you can stop working much earlier... Discussions here revolve around aggressive saving strategies, investment approaches for long-term growth, cutting expenses, calculating your “FI number,” and the mindset needed to reach financial independence. It’s very goal-oriented and often involves detailed financial planning. (Subscribers: ~1.4 million)

r/investing: If you’re specifically interested in learning how to grow your money through investments, this is a key subreddit. People discuss different types of investments (like stocks, bonds, ETFs, mutual funds), investment strategies (long-term holding vs. trading), market news and analysis, and platform recommendations (like brokers). It’s a place to learn terminology, ask questions about specific investments, and understand different approaches to building wealth over time. (Subscribers: ~2.4 million)

Top 10 Personal Finance Subreddits My Money Calculators

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