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r/UKPersonalFinance PUBLIC
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
1,853,515 members
Created: Mar 2013
Language: EN
POSITIVE SENTIMENT
Last analyzed: Jun 05, 2026 22:01
Marketing Summary
r/UKPersonalFinance is a PUBLIC community on Reddit with over 1,853,515 members. It currently has a positive sentiment with an engagement rate of 0.2%. With a community friendliness score of 80, this subreddit presents a low conversion potential for authentic brand participation. Strict rules against self-promotion are in place, so marketing should focus strictly on value-driven community engagement.
80
Friendliness Score
0.2%
Engagement Rate
32
Conversion Potential
2.0%
Monthly Growth
Marketing Analytics
12.0
Avg Post Score
22.4
Avg Comments
25
Brand Mentions
1
Posts/Hour
Top Post Types
text
100.0% (50)
Peak Activity Hours
Times shown in UTC (Coordinated Universal Time)
Local times are automatically converted based on your browser's timezone
4PM UTC
High
~65 active
10PM UTC
Medium
~45 active
6AM UTC
Low
~10 active
Community Culture
Community Sentiment
POSITIVE
15.2K
Avg User Karma of Top Posts
30%
Commercial Acceptance
Content Preferences
Moderation Patterns
Rules & Compliance
50
Total Rules
Posting Requirements & Restrictions
100
Minimum Karma
30
Min Account Age (days)
SELF
Submission Type
Enabled
Flair System
Subreddit Rules
- Be Nice, Civil Discourse, Don't Judge: * Be kind. * Don't judge people's situations or behaviours. * The subreddit is for [civil discourse](https://en.wikipedia.org/wiki/Civil_discourse), defined as "engagement in conversation intended to enhance understanding". * If engaged in debate, [argue in good faith](https://en.wikipedia.org/wiki/Good_faith) and assume that all parties involved are doing the same. * Don't be argumentative, even if you're right. * Report rude or otherwise rule-breaking comments rather than responding in kind.
- Responses must be helpful and high quality: * Give constructive help and advice. Be friendly and kind * Stick to the topic of finance - give reasons for what you say * Top level comments must be on topic - no jokes or banter * [No 'hookers and blow' or 'onlyfans' jokes](https://redd.it/rhyc7i) * [Don't make contextless recommendations, especially of high risk assets e.g. stocks/shares/crypto](https://redd.it/rkrnqi)
- moralising * Don't be pedantic * Don't pile on or "chime in" if your opinion adds nothing to the comments already made
- Posts must be about UK personal finances: * Career advice, legal advice, housing, car questions, and UK news all [have their own subreddits](https://www.reddit.com/r/UKPersonalFinance/comments/npwwlz/moratorium_on_home_buying_and_career_questions/). * Just because something costs money doesn't make it about personal finances. Don't post asking how much you 'should' spend on a car/holiday/groceries, or whether a product is 'worth the money'. * Don't post with only a news article. * For company-specific questions, contact the company.
- Read our Wiki before posting: * We answer many common questions [in our Wiki](https://ukpersonal.finance/), especially [our famous flowchart](https://ukpersonal.finance/flowchart/). * Please check the wiki first, and mention that you have done so. * Posts that are answered on the wiki will be removed at the discretion of the mods. * Don't post interest rate announcements - see [our savings and goals wiki page](https://ukpersonal.finance/goals/#Short_term_savings_under_5_years_%F0%9F%95%92) for the best rates on the market.
- Help us help you: * Use a clear and descriptive title. * Provide further information in the body of your post. See https://ukpersonal.finance/help-us-help-you/ for what information to include. * Show the research you've done and say why that hasn't answered your question.
- No market or exchange-rate timing questions: * Don't post market timing questions such as 'is now a good time buy a house/USD/index funds/bitcoin?'. * Our [Market Timing wiki page](https://ukpersonal.finance/market-timing/) explains why these questions can't be answered, and provides strategies for making timing decisions about the stock market, housing, exchange rates, etc.
- No comparison questions, survey-style questions, DAE questions, unanswerable questions: Don't post:
- Comparison questions like 'how much do you earn?', 'how much do you spend on ...?' * Hypothetical questions like 'what would you do with £100k?', 'what's the max you'd spend on a car?' * 'Does anyone else...' * Survey style posts like 'what are you saving up for?', 'what's the biggest financial mistake you've made?’ * Questions that can’t be answered without a significant amount of speculation, e.g. 'what changes might be in the next government budget?'
- No politics: * Whilst personal finance and politics are inextricably linked, this sub is not a venue for political debate. Posts and comments of a directly political nature belong in /r/ukpolitics and will be removed from UKPF. * If discussing governments and policies, do so in a non-inflammatory manner. * Avoid throwaway jokes about politics or politicians. * Don't make posts about potential policy changes (which are not yet implemented, and are only proposed or speculated about).
- No referral codes or schemes: * Don't post or ask for referral codes (or invite others to PM you for them, or PM people with them). * This applies whether they are for mutual benefit or not.
- Don't delete posts or comments: * This subreddit is valuable reading material for those with similar questions in the future. Please do not delete the content of your comments or posts. * Scripts which automatically erase your comment history are not welcome here. * The use of throwaways to protect your privacy is strongly encouraged. * Moderators hide rule-breaking comments from public view (still visible to you), so you should not delete them yourself. * Please message the moderator team if you'd like your thread removed.
- No requesting or offering DMs: It is forbidden to solicit private messages as a result of a person's activity in this subreddit. This is to protect all our members from
- Low quality advice * Scams * Rulebreaking * Unlawful behaviour
- [If you receive a DM as a result of UKPF, please report it](https://reddit.com/r/UKPersonalFinance/comments/alhhxp/psa_if_anybody_pms_you_as_a_result_of_a_post_on/).
- No ads, self promotion, or donation requests: * [Do not post to promote your website, tool, app, online calculator, blog, newsletter etc](https://www.reddit.com/r/UKPersonalFinance/comments/1t9xntc/selfpromotion_on_ukpf_posting_your_website_tool/) * Posting surveys, AMAs, journalist enquiries is only permitted with [prior approval from the moderators](https://www.reddit.com/r/UKPersonalFinance/comments/1t9xntc/selfpromotion_on_ukpf_posting_your_website_tool/) * Do not post requests for money, or offer to send money to other members.
- No trolling, bots or memes: * UKPF is a meme free zone * This includes bots, which will be banned on sight * Obvious trolling will be removed and troll accounts banned
- AI-generated posts or comments
- No discussion of unlawful activities: Includes criminal and civil law such as:
- Piracy * Theft (including non-payment of services) * Fraudulent loan defaults * Tax evasion
- Hypothetical discussions are subject to the same rules.
- Contact the mods before making meta threads: * If you have any feedback or issues with the subreddit in general, please [message the mods](https://www.reddit.com/message/compose/?to=/r/UKPersonalFinance) before posting a thread. * If you're dissatisfied with the response, or you don't receive a response within seven days, please feel free to make a thread about your issue. * Put `[META]` in the title of any meta threads.
Restricted Keywords
Marketing Data Updated
Jun 05, 2026
Rules Updated
Jul 03, 2026
Compliance Updated
Jul 03, 2026
What is r/UKPersonalFinance?
r/UKPersonalFinance is a public Reddit community created in March 2013 with over 1,853,515 members. Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
The community has a positive sentiment and an engagement rate of 0.2%. With a friendliness score of 80, it is considered very welcoming to new members.
Self-promotion is not allowed, so marketing efforts should focus on providing genuine value to the community.
Frequently Asked Questions about r/UKPersonalFinance
r/UKPersonalFinance is a public Reddit community
with 1,853,515 members.
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
With a conversion potential of 32
and an engagement rate of 0.2%,
r/UKPersonalFinance presents a
low
opportunity for authentic brand participation.
Self-promotion is not allowed, so focus on providing genuine value to the community.
r/UKPersonalFinance has 50 community rules. Posting requirements include
a minimum of 100 combined karma and an account age of at least 30 days .
r/UKPersonalFinance has an engagement rate of 0.2%
with an average post score of 12.0
and an average of 22.4 comments per post.
The community sentiment is positive
with a friendliness score of 80 out of 10.
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