Top Personal Finance Subreddits Online Budget Calculator

Leo Migdal

-Dec 14, 2025, 9:01 AM

top personal finance subreddits online budget calculator

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. 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. If you‘re looking for the perfect budget app to get your finances on track, the vast wisdom of Reddit has you covered. Across dozens of subreddits dedicated to personal finance, frugal living, and budgeting, Redditors have shared their experiences with countless budgeting tools to compile a master list of the absolute best options available. We‘ve scoured through the most popular finance-related subreddits like r/personalfinance, r/frugal, r/budget, and more to bring you this ultimate guide to Reddit‘s 20 top budget app picks for 2023. Whether you‘re a total beginner or a seasoned budgeter, you‘re sure to find the ideal app to match your money management style and goals.

But before we dive into the list, let‘s quickly go over why budgeting is so critical in the first place, and how an app can help simplify the process. Having a budget and sticking to it is the foundation of good financial health. It allows you to track your income and expenses, identify areas where you may be overspending, set savings goals, and ultimately gain more control over your money. While you can certainly budget the old-fashioned way with a pen and paper or spreadsheet, apps have revolutionized personal finance by making budgeting easier, more automated, and even kind of fun. With features like account syncing, automatic expense categorization, bill reminders, spending insights, and goal tracking, the best budget apps help you stay on top of your finances with minimal effort required. Of course, with so many options to choose from, finding the right budgeting app for your needs and preferences can feel overwhelming.

That‘s where the collective wisdom of Reddit comes in handy. Here are the 20 best budget apps according to Reddit, starting with a deeper dive into the most frequently recommended options: 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. 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.” You can find tons of answers to random questions on the internet. Community forums are great ways to learn about new things and connect with people. That’s why you can’t go wrong with the personal finance community on Reddit when it comes to personal finance.

Here are seven personal finance subreddits to check out. Most personal finance advice is rooted in financial management. If you struggle to find a routine in your daily life, you might find the systems of the Redditors in this community helpful. This subreddit will let you know the best ways to manage your budget according to your circumstances. Get ready to dive into the world of budgeting apps and tools. With this community, you might even begin to change your relationship with money.

Besides, it provides a Reddit personal finance flowchart on how to spend your money. On top of the personal finance subreddits list is the personal finance subreddit itself. It’s a great starting point for people who want to learn a thing or two about saving and investing money. You’ll be launched into discussions about debt payoff and retirement planning. Hopefully, you’ll also make better financial decisions that increase your credit. A bulk of personal finance subreddits consists of giving advice on how to build better income streams.

This subreddit provides advice to Redditors on the best ways to earn money, even if members have full-time jobs. 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. In an era where financial management is increasingly digitized, personal finance software has become a vital tool for individuals and families alike. With countless options available, and now that Mint is no longer one of them, it can be overwhelming to choose the right one. To simplify your decision-making process, we turned to the vast community of Reddit for insights into the most recommended personal finance software of 2024.

Here are the top picks based on what Redditors' are saying: YNAB (You Need a Budget): YNAB consistently emerges as a favorite among Redditors for its proactive approach to budgeting. Its philosophy revolves around giving every dollar a job and prioritizing financial goals. Users praise its intuitive interface, robust budgeting features, and emphasis on financial accountability. With real-time syncing across devices and excellent customer support, YNAB remains a top contender for those serious about mastering their finances. Our take: YNAB is the standard for people trying to budget for the first-time.

Personal Capital (Empower): For individuals focused on long-term financial planning and investment management, Personal Capital receives high praise from Redditors. Its robust suite of tools allows users to track investments, analyze portfolios, and plan for retirement effectively. Redditors appreciate Personal Capital's wealth of features, including its retirement planner and investment fee analyzer, which provide invaluable insights into optimizing financial portfolios. Our take: Personal Capital (now Empower) is best for advanced budgeters who are actively investing and need a place to track overall net worth. EveryDollar: Dave Ramsey's EveryDollar earns accolades from Redditors for its simplicity and adherence to the principles of zero-based budgeting. With its emphasis on assigning every dollar a specific purpose, EveryDollar helps users prioritize spending and eliminate unnecessary expenses.

Redditors highlight its easy-to-use interface and seamless integration with Dave Ramsey's financial philosophy, making it an ideal choice for those following his teachings. Our take: EveryDollar works best for those looking to graduate from physical cash envelopes to a digital format. Tiller Money: Tiller Money stands out among Redditors for its unique approach to budgeting through spreadsheet automation. By syncing financial transactions directly into customizable Google Sheets or Excel templates, Tiller Money offers unparalleled flexibility and control over budgeting workflows. Redditors appreciate its adaptability and the ability to tailor budgeting methods to individual preferences and needs. Our take: Use Tiller if you want to build your own personal finance templates!

Top Personal Finance Subreddits Online Budget Calculator

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