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r/personalfinance PUBLIC
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!
21,632,812 members
Created: Feb 2009
Language: EN
POSITIVE SENTIMENT
Last analyzed: Apr 12, 2026 18:00
80
Friendliness Score
0.0%
Engagement Rate
30
Conversion Potential
2.0%
Monthly Growth
Marketing Analytics
0.9
Avg Post Score
7.7
Avg Comments
25
Brand Mentions
5
Posts/Hour
Top Post Types
text
96.0% (48)
link
4.0% (2)
Peak Activity Hours
Times shown in UTC (Coordinated Universal Time)
Local times are automatically converted based on your browser's timezone
12AM UTC
High
~902 active
6PM UTC
Medium
~902 active
Community Culture
Community Sentiment
POSITIVE
605.3K
Avg User Karma of Top Posts
30%
Commercial Acceptance
Content Preferences
Moderation Patterns
Rules & Compliance
64
Total Rules
Posting Requirements & Restrictions
100
Minimum Karma
30
Min Account Age (days)
SELF
Submission Type
Enabled
Flair System
Subreddit Rules
- Submission guidelines: Posts must be a personal finance question or discussion with a descriptive title.
- We don't allow:
- Polls, surveys, or requests for personal data, experiences, or other types of self-reporting * Success stories or thanks (use weekday/weekend thread) * Several [disallowed topics](http://bit.ly/3mxqnSl) * Meta posts * IAmA/AMA requests or posts * News without a discussion, quote, or summary
- For more information on the subreddit rules, read the [rules wiki](/r/personalfinance/w/rules).
- Self-promotional advertising or soliciting: We don't allow:
- Promotion of web content, products, services, companies, or anything else owned by you (or anyone affiliated with you), even if not monetized * Accounts with promotional profiles or usernames * Offering referral, invite, or affiliate links/codes * Soliciting business/investors, market research, media requests, or recruiting * Repeatedly or prominently stating financial credentials * PM/DM requests or offers
- Requires pre-approval: open source tools, customer service replies
- Unhelpful or disrespectful: We don't allow:
- Circlejerking or karmawhoring * Posting just for upvotes or humor * Insincerity or dishonesty * Trolling, brigading, loaded questions/language, or provoking unproductive conversation * Memes or low-effort content * Clickbait titles * Excessive large, bold, or spaced-out text * [Bots](http://bit.ly/3GJH5om) or AI-generated content * In-character novelty accounts * Insubstantive/ephemeral posts * Requesting votes * Excessive profanity * [Poor reddiquette](http://bit.ly/2vKxaO6)
- Asking for handouts or transactions: We don't allow asking for handouts or transactions. That includes:
- Asking (even indirectly) for gifts, loans, or donations for yourself or on behalf of any organization or person(s) * Any mention of a fundraising campaign even without a link * Requesting a job * Asking for loan cosigners * Soliciting for anyone to engage in any kind of transaction
- Legal or business discussion: We don't allow legal or business discussions. That includes:
- - Discussions that are predominantly legal issues - Discussions about starting, funding, or running a business, corporation, partnership, etc. - Content better suited for /r/legaladvice, /r/smallbusiness, /r/entrepreneur, or /r/business
- Politicizing: We don't allow:
- - Moralizing issues - Petitions or calls-to-action - Political discussions - Political baiting - Soapboxing
- Lawbreaking information: We don't allow:
- Suggesting another user perform an activity that is illegal, unlawful, or fraudulent in most jurisdictions * Linking to illegal content or lawbreaking information * Asking for advice on any of the above
- Personal attack or abusive language: We don't allow:
- Personal attacks * Raw criticism without any constructive feedback * Name-calling, flaming, shaming, or otherwise harassing another poster (or person being helped) * Telling a user to harm themselves or others * Abusive language * Intentionally rude or very harsh language * [Hate speech](/r/personalfinance/wiki/rules#wiki_definitions) * Suggesting [sex work](/r/personalfinance/wiki/rules#wiki_definitions) (even indirectly) * Retaliating in response to an affront
- Personal advice discussion: We don't allow personal advice discussions. That includes:
- Content better suited for /r/relationships * Recommending a poster end their relationship or start a new relationship * Posts about suicide or violence * Posts asking for advice on how to convince someone else to change their behavior * Relationship drama not essential to a question or discussion * Family planning advice, especially unsolicited or flippant * Career, job, and education questions * Medical advice
- Other bad behavior: * Missing－Disappearing after posting a discussion or posting for another with inadequate information or involvement * Hyping－Pushing speculative, volatile, illiquid, or meme investments, especially flippantly, tersely, or implying huge returns * Rabble rousing－We're not your personal army * Doxing－Posting or seeking personal information, dox attempts or threats * Flooding－Posting excessively frequently * Duplicates－Reposting news or information * Plagiarism－Not giving credit properly
Restricted Keywords
Marketing Data Updated
Apr 12, 2026
Rules Updated
Apr 04, 2026
Compliance Updated
Apr 04, 2026