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Invest commission-free, borrow at low rates, and spend with free, safe checking—all in one intuitive mobile app. That’s why M1 is the Finance Super App.

M1 is the all-in-one, Finance Super App. Build and manage your wealth from the convenience of a high-tech, intuitive mobile platform.

Hundreds of thousands of investors have trusted M1 Finance with over $5B in assets. See for yourself why M1 is an award-winning experience.

Plan long-term investing in a few taps and automate your finances with Smart Transfers: custom rules that move your money how you want.

Invest with an individual, joint, trust, or custodial account. Or get started with a Traditional, SEP, or Roth IRA or rollover a 401(k).

Buy stocks, ETFs, bonds, and mutual funds with an intuitive Pies interface; let our automated tools do the buying and selling for you.

Pre-built Expert Pies help you invest according to your values, risk tolerance, diversification strategy, retirement plans, or even the strategies of successful investors.

Fractional shares let you invest as little as one dollar; invest with more power and flexibility.

With M1 Plus, get exclusive perks, features, and rewards for just $125 a year, with your first year free.

Borrow against your investments easily with rates from 2%-3.5%*.

Access your money with a few taps; use it for whatever you want. A down payment, margin investing, or a vacation—anything.

Save with free, digital checking.

Get 1% APY** on your checking balance (33x the national average) and 1% cash back when you’re an M1 Plus member.

Join M1 Plus to apply for a credit card like no other. Earn 2.5%-10% cash back*** when you spend at select brands in your M1 portfolio, and 1.5% cash back everywhere else.

You can automatically reinvest your rewards money to build wealth—even as you spend it.

- 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.

See all fees at m1finance.com/legal/disclosures/misc-fees/

Must be 18+ and US resident to open an account. 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.

All investing involves risk, including the risk of loss. 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 trade any security.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

*M1 Borrow available on margin accounts with at least $5,000 invested. Borrow rates may vary. Borrow not available for all accounts.
**No minimum balance to open account or 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 checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.
***Credit Card not available for US Territory Residents. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Review card disclosure for more details on cash back. The Owner’s Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial 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 2022.1.4

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
37.6K Ratings

37.6K 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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

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

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