M1: Investing & Banking 4+

Earn | Invest | Spend | Borrow

M1 Finance LLC

Designed for iPhone

    • 4.7 • 60.8K Ratings
    • Free

iPhone Screenshots


M1 is sophisticated wealth building, simplified.

Our comprehensive financial platform combines high-yield on your cash, personalized investment management, a lucrative cash-back credit card, and flexible ways to borrow money.

Discover the power of personalized finance and take control of your financial future. Download M1 now and experience the future of finance at your fingertips.


Maximize your savings growth with 5.00% APY interest, ensuring your money works harder for you.


Use powerful portfolio management tools to invest commission-free^. Build your unique portfolio of stocks and ETFs and let advanced automation help power your strategy to achieve your long-term goals.


Our M1 Owners Rewards Credit Card offers rewards that align with your spending habits. You can automatically reinvest your rewards to build wealth—even as you spend.


Margin lets you tap into the power of your portfolio through a line of credit against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin. Borrow up to 50% of your portfolio with rates from 7.25%-8.75%*. Pay back on your schedule—there’s no minimum or maximum repayment period.

You can also borrow $2,500–$50,000 over 2-7 years for almost anything. No prepayment penalties, origination fees, or late fees. APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.


See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

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.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.

M1 is not a bank. M1 Savings Accounts and M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of 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.

© Copyright 2024 M1 Holdings Inc.

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

What’s New

Version 2024.4.4

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@m1.com

Ratings and Reviews

4.7 out of 5
60.8K Ratings

60.8K 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 hello@m1finance.com. 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 hello@m1finance.com.

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 hello@m1finance.com.

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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