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Smart money management

Take control and personalize your finances. Invest, Borrow, and Spend seamlessly, all in one platform.

Be invested

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.

Make the most of your money

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

Invest

Smart Investing:

Create your own portfolio with any stock and/or ETF, for free.
Invest your money with intelligent automation.

Borrow

Smart borrowing:

Unlock a flexible portfolio line of credit with just $10,000 invested.
Borrow money at one of the lowest rates in the market.

Spend

Smart cash management:

Access spend with an M1 checking account and debit card.
Move money between investments instantly.

Enjoy M1 for free, or upgrade to

M1 Plus for more perks

Smartest perks:

Get subscription level features and rewards with M1 Plus.
Earn more with everything you love about M1, Plus more.

“M1 basically allows me to be my own bank. That’s super powerful for when I want to flex how I use my money.”

Ryan C., UT

"M1 makes you feel empowered and knowledgeable about where your money is going."

Brenda O., TX

“I can take out a low-cost loan on 35% of my portfolio so I don’t have to drain my investments.”

Vikram B., CA

4.7 stars • 9k reviews

4.6 stars • 4k reviews

Account protection with peace of mind

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.

Total control, total freedom. Be invested.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

About

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By using this website, 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 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. 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.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member FINRA / SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, and tax advisors.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa^TM Debit Card is 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.
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