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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.
1,841,575 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 1,841,575 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
49
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
May 18, 2026
Compliance Updated
May 18, 2026
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