Start 2021 with a smart money move
For a limited time, earn up to $3500 when you transfer your investments from another brokerage to M1. Don’t wait to start your future—simplify your financial life on a smarter, more intuitive platform.
Yours to build.
Join 500,000 investors who opened accounts at M1 to automate their finances.
With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending. The cherry on top? It’s free.
Learn more about our mission →
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(More than 27,000 ratings)
Manage and grow your money, the way you want
M1 gives you choice and control of how you want to invest, borrow, and spend your money—with available high-yield checking and low borrowing rates.
BASIC M1 ACCOUNT
Price: $0
Invest for $0
Use intelligent automation to invest in a portfolio of stocks and ETFs, for free.
Borrow at 3.5%
Access your flexible portfolio line of credit with just $10,000 invested. 
Spend
Access your cash and spend with an M1 checking account and debit card.
M1 PLUS ACCOUNT
Price: $125/year
Invest with more flexibility
Get access to an afternoon trade window, and unlock Smart Transfers. 
Borrow at 2%
Get the same borrowing power at an even lower cost.
Spend and earn 1%
Earn 1% cash back when you spend and 1% APY when you don’t.
What our clients say
Fractional shares, auto-rebalancing, and it’s absolutely free to use!
Matt G.
M1 Borrow’s flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus members) can’t be beat.
Adam T.
I’m excited for M1 Spend because I can use it as an emergency fund, capital deployment, or both.
Christopher P.
May not be representative of the experience of other customers. Not a guarantee of future performance or success.
