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M1 is the Finance Super App: invest, borrow, and spend, all in one place. Sign up today.

With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending. The cherry on top? It’s free.

Join more than 500,000 investors who’ve opened up accounts to automate their finances with M1.

Goodbye manual calculations. Now, you can build a system of automated rules that lets you organize your transactions with just a few clicks. Your money will move between your M1 accounts automatically, so you can optimize your investing, borrowing, and spending.

You’re in the driver’s seat. Create your portfolio with any stock and/or ETF, for free, and use our intelligent automation tools to invest on a schedule, rebalance with one click, and more.

Borrow money at just 2-3.5% and use it for whatever you want: more buying power, emergencies, large purchases, you choose. Unlock this flexible portfolio line of credit with just $5,000 invested.

Access your money instantly and move money between investments seamlessly with your M1 checking account.

- 1% APY* checking (that's 33x the national average APY for a checking account)
- 1% cash back on M1 Plus Visa™ debit card purchases
- 1.50% reduction on M1 Borrow base rate**
- Unlock a second daily trading window for more control over your investments
- NEW: Get access to Smart Transfers

- Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.
- M1 Spend checking accounts may be insured up to $250,000 by the FDIC.
- We are a technology-first company that utilizes the latest in information security.

**Borrow rates may vary. Borrow not available for retirement accounts.

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 does not provide investment advice, and this is not an offer or solicitation of an offer, or advice to buy or sell any security, and you are encouraged to consult your personal investment, legal, and tax advisors.
M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member FINRA / SIPC.


*No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY, as of April 2021. Obtained from the FDIC.

M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa™ Debit Card is issued by Lincoln Savings Bank, Member FDIC.


© Copyright 2021 M1 Holdings Inc.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States

What’s New

Version 2021.9.3

Here's what you'll find in the latest update:
- Bug fixes and improvements

Let us know what you think by leaving a review or contacting us at hello@m1finance.com.

Ratings and Reviews

4.6 out of 5
33.9K Ratings

33.9K Ratings

PatriotsofAmerica1986 ,

The App that replaced all of my other financial Apps!!! (NOT JOKING!!)

This App, is for EVERYONE, that want to learn more about their financial situation and the potential financial situation of our economy. It breaks down everything to an understanding that anyone can comprehend, from a basic checking account to advanced investment strategies to borrowing a little extra cash or a lump sum M1 undoubtedly leaps and bounds above its competitors! I had them all and I was tempted to list them, but that’s a a waste of time and time I could be using on M1 to advance, grow and learn more about my financial options and opportunities. Try M1, just once, and then I invite ANYONE to prove me wrong anywhere about this App’s capability to prove at this high level in which I claim. My passion is real, my wife Emily is a health care worker at NCH (Naples Community Hospital) and she worked on the Covid-19 intake floor and contracted the Covid-19 Virus from one of the other healthcare workers or a patient in that floor, we don’t know? But she’s been sent home from work from NCH (Naples Community Hospital) WITH WHATS CALLED TLP(Temporary Leave Pay) which is almost half of what she was making!!!! And then as soon as her leave is up, she goes back into work, AND GETS FIRED AS A WELCOME BACK GIFT!!! M1 has allowed us to borrow some very much needed cash in this hard time of injustice! Thanks again M1 and you have life long clients!!!!!

Drew4051 ,

Best App for Path to Financial Freedom

M1 finance outperforms every other brokerage/brokerage app by a long shot. I have used/currently use Robinhood, Fidelity, and Acorns. M1 is the clear winner in terms of wealth growth. The “pie” concept is the most efficient and ingenious idea for investing. They have made this simple. Another aspect that sets M1 apart is their “borrow” feature. I am a gold member on their service (I got it at $75 for the first year, normally $125 a year). For me, the borrow feature has provided me the means to make a down payment on my car without withdrawing from my investments. Borrow also allows the user to receive cash without the liquidation of your investment account and it allows my investments to keep growing. Borrow for Gold members is at a cool 2% interest rate (cheap money). My money is starting to compound and the scale they use (total account value) allows the user to have a visualization of the “8th wonder of the world” (compounding). I’m only 21 and the future is bright thanks to tools like M1. This app is beautiful offspring of a capitalistic society and this app will be the reason for many future millionaires. Keep up the great work..

All it needs is real human reps to call for costumer service!

Par6126 ,

Very limited buy/sell window

I like M1 because I can make a pie or pies and invest as I want to, however, I hate the buying limitations. You can only buy or sell twice a day at the specific times. I think buying and selling should flexible. I hate buying at the highs of the day, especially during these volatile markets. I feel like more than 90% of the time market is at highest/lowest at 9:30am and 3pm. And everytime i add money I see I bought at the peak of the day. I know as a long term investor it shouldn’t matter much. But it hurts and annoying to see that you paid the top dollar on your buys all the time. For example, today TTD was traded at $660 at 9:30am and 3pm however, it was trading at $560 at 11am. I wish I could buy some shares at 11am at $100 lower price just like many others. Tsla is the same $630 at 9:30 but at around 11am it was $539 but no way to scoop some shares at that low with M1. That is really frustrating part of this app and hinders me to bring all of my assets over to M1. I wish we could have buy/sell time flexibility, even you are just limited to do once or twice a day but flexibility on when you want to buy/sell. That is the biggest problem I have with M1. I hope M1 will fix this issue and I’d bring more assets and more cash into app if they do and it would be my ultimate investment platform.

App Privacy

The developer, M1 Finance LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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