Invest & Trade | M1 Finance 4+

Invest, Borrow, and Spend

M1 Finance LLC

Designed for iPhone

    • 4.7 • 46.4K Ratings
    • Free

iPhone Screenshots


Start your investing journey with M1. Commission-free investing, secure spending, and low-rate borrowing from one finance app.

M1: THE FINANCE SUPER APP. Build and manage your wealth from the convenience of an automated, intuitive platform.

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

Plan long-term investing quickly 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 open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Choose stocks and ETFs with an intuitive Pies interface; let our automated tools handle the buying and selling.

Pre-built Expert Pies help you invest according to your values, risk tolerance, retirement plans, and more.

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

One-click rebalancing makes sure your investments match your goals.

With M1 Plus, get exclusive features and perks throughout your account for just $125 a year, after your three-month free trial.


Borrow against your investments easily with rates from 4.25%-5.75%*.

Access funds in minutes for more liquidity without selling off your securities. Funds available in minutes in M1 Spend or M1 Invest accounts, available in 1-2 business days in external banks.


Get 1.70% APY† on your checking balance (56x the national average) and 1% cash back** on eligible M1 Debit card purchases when you're an M1 Plus member.


Earn 2.5%-10% cash back*** when you spend at select brands in an eligible M1 Invest portfolio, and 1.5% cash back everywhere else. With M1 Plus, we'll waive the $95/year annual fee.

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



M1 Finance LLC, Member of SIPC. Securities in your account protected up to $500,000. For details, see


M1 Spend checking accounts may be insured up to $250,000 by the FDIC.


For full list of fees visit M1 Fee Schedule at

See important disclosures in the final screenshot above or visit

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

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.

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

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.

© Copyright 2022 M1 Holdings Inc.

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

What’s New

Version 2022.8.4

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

Ratings and Reviews

4.7 out of 5
46.4K Ratings

46.4K 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!!!!!

Developer Response ,

We're so glad M1 is able to help in moments like these—this is why financial well-being matters. If you'd like to inspire others by sharing your M1 experience, our inboxes are open for client stories at Thanks for being an M1 client.

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!

Developer Response ,

Thanks for sharing your thoughts and for being a Plus member! We're glad you're enjoying M1. If you'd like to share more about your M1 experience and inspire others, our inboxes are open for client stories at

Current customer 385729 ,

Great! But not living up to potential...

Love the entire concept. As a professional investor and trader who spends most of my time on professional applications like a Bloomberg terminal, I don’t expect much from an app like M1. But the whole idea of creating unique portfolios of unique portfolios with the ability to rebalance one or all pies allows for tremendous experimentation and idea validation; HOWEVER, the return / performance tracking functionality leaves much to be desired. M1, I beg you to add just a couple features and this would be so much more useful as an application investors could rely on: - allow us the ability select the dates for custom return periods - allow us the ability to add a benchmark (or more) to the return graphics - let us see our accounts on a individual OR consolidated basis - include some kind of measure of risk such as standard deviation or beta to a benchmark to see if we are creating and generating efficient portfolios and returns (not accepting higher beta)

Update: positive changes are underway, the new Home Screen is great way to see consolidated account information!

For the love of god, at least make the account performance periods the same as the performance periods in the ‘Research’ section; it’s ridiculous to only show trailing (day, month, quarter, year) performance for portfolios, yet show 1day, 1w, 1m, 6m, YTD, etc… how are we supposed to benchmark or compare performance this way?!

Developer Response ,

Thanks for sharing your thoughts! We're glad you're enjoying M1 and appreciate the feedback—we'll share it with our product team. If you'd like to share additional thoughts, our inboxes are open at


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


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