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Free. Automated. Totally personalized. Building wealth has never been easier.

Invest for free in the stocks and ETFs you choose. Unlock a flexible, low-cost portfolio line of credit when you have $10,000 invested. Spend with an M1 Visa™ Debit card and set excess cash to automatically flow into your investments.

- Dynamic Rebalancing keeps your portfolio on track.
- Investing schedules help your portfolio grow over time.
- Access a line of credit instantly with M1 Borrow.

- Keep more of your money when you invest with no commissions.
- Put every penny to work with fractional shares.
- M1’s tax-efficient investing strategy helps reduce the amount owed on taxes.

- Manage your investments with M1’s intuitive pie chart design
- Stay up-to-date on the most important news for your holdings.
- Direct deposit, pay bills, and make everyday purchases with M1 Spend.

- Say goodbye to hidden fees with M1’s no-fee IRAs.
- Browse professionally designed retirement portfolios.
- Hassle-free 401(k) rollovers and IRA transfers.

- Get the money you need to achieve your financial goals.
- Instantly borrow up to 35% of your account balance at 4.25%.
- Fund large purchases, refinance existing debt, or invest more.

- Set up direct deposits, pay bills, and spend with a debit card.
- Integrate your checking account with your investments.

UPGRADE TO M1 PLUS (optional)
- Access extra features and rewards:
- 1.5% APY* and 1% cash back
- 0.25% discount on M1 Borrow
- Second daily trading window (coming soon)

All data is encrypted from end-to-end using 4096-bit encryption. We’re a member of SIPC, so securities in accounts are protected up to $500,000 (see http://www.sipc.org). M1 Spend checking accounts are FDIC-insured up to $250,000.

Questions? Visit our Support Center in the app or online at support.m1finance.com.

Download now to start investing in your future!

M1 Holdings Inc. provides a range of financial services through its operating subsidiaries. M1 Finance LLC and M1 Spend LLC are wholly-owned subsidiaries of M1 Holdings Inc. and are separate but affiliated companies. By using this app, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library.

M1 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.
M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa™ Debit Card issued by Lincoln Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A., and serviced by M1 Spend LLC. M1 Spend LLC is not a bank. Visa is a registered trademark of Visa International Service Association.

*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.
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 2019 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 213 W. Institute Pl., Ste. 301; Chicago, IL 60610; United States

What’s New

Version 6.1.7

- Bug fixes and improvements!
- Introducing M1 Spend: the new checking account and debit card. Learn more and early enroll now.
- Let us know what you think by leaving a review or contacting us at support@m1finance.com.

Ratings and Reviews

4.7 out of 5
7.8K Ratings

7.8K Ratings

Yoo Jeong Han ,

Easy, Reliable, Intuitive

A beautifully designed app that lets you invest however much money you want in any stock. Given the ability to purchase fractions of stocks and to rebalance portfolios to reflect your desired weights, this app is my absolute favorite for long-term retail investing. No fees, easy and fast deposits AND withdrawals! For those of you who already tried other no-fee investment platforms, you would know that easy and fast withdrawals are very rare.

I must also say that I am very impressed with how reliable customer service is. The M1 team almost always responded to my emails the next day. Rarely they would take two days to get back to me. I never had to wait longer than two days. I am very satisfied with how M1 operates and if it is not evident already, highly recommend this app to all friends who are interested in long-term retail investing.

bryan.y.yu ,

Beware! Thieves!

So I started an Roth IRA account not knowing that when I liquidate it wild cost me $100 no matter the account size. Anytime you are to liquidate your account(s) they will charge you $100 so this app really isn’t free and doesn’t provide you with a sense of security because I did not know about this $100 fee until I tired to liquidate everything from my IRA account I started with them so I could consolidate to my Fidelity account which is where most of my money is. I do not find this to be fair and it was not disclosed to me when I signed up so I liquidated my IRA and my regular accounts that I had with them and I will never do business with these crooks ever again. I just lost $100 from my IRA because I choose to consolidate my IRA accounts. On top of that, they would not let me withdraw my money as a IRA rollover. They said I had to choose “premature” and they would change it on their end so I don’t get taxed. I doubt they would do that because once a liar always a liar. I have reached out to them many times about this policy because not even bigger company’s like TD or Fidelity will charge you a fee for liquidating your account so why should this small no name company charge me $100? Stay away from them. They are crooks and unless they give me back my $100 this review will remain.

M1MixFeelings ,

Not easy to set up

I’ve been trying for over two weeks to get started with M1 investing. When I downloaded the M1 app on my iPhone I noticed the content was a little different from what I’ve been seeing on the M1 tutorials and website desktop.
I’m new to investing so I choose M1 because it looked user friendly, however the mobile app navigation looks very different, aside from that their is no image of the pie chart anywhere. I’m not sure how to choose slices to make up my portfolio. The mobile app doesn’t give you any detailed information on individual stocks, bonds or other securities to help you set this up. Is there a later version of this app? I even tried to update, but I keep getting the same screen up my app. why isn’t the apps content the same as the website and all it’s tutorials. I really want to use the M1 investing platform but I’m a bit confused by this. I tried contacting support but no one has gotten back to me to explain the issue.


M1 Finance LLC
131.4 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© 2019 M1 Finance LLC. All rights reserved.


  • Family Sharing

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

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