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Take control and personalize your finances. Invest, Borrow, and Spend seamlessly, all in one place. Sign up today.

You work hard for your money, so your money should work hard for you.
We’ve created next-generation, intelligent financial solutions so you can do exactly what you want with your personal finances.
The cherry on top? It’s free.

M1 Smart Money ManagementSM gives you the freedom to seamlessly build, invest, and optimize your money—the way you want.

Smart investing:
- Create your portfolio with any stock and/or ETF, for free
- Invest your money with intelligent automation

Smart borrowing:
- Unlock a flexible line of credit with just $10,000 invested
- Borrow money at one of the lowest rates in the market

Smart cash management:
- Access your money instantly with your M1 checking account
- Move money between investments seamlessly

Smartest perks:
- Get subscription level features and rewards
- 1.5% APY* checking (that’s 25x the national average APY for a checking account)
- 1% cash back on M1 Plus Visa™ debit card purchases
- 0.25% discount on M1 Borrow loan APR
- Unlock a second daily trading window for more control over your investments

- 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.

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.

*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 6.3.6

- 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
9.4K Ratings

9.4K 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
103.3 MB

Requires iOS 11.0 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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