Smart money management
Take control and personalize your finances. Invest, Borrow, and Spend seamlessly, all in one platform.
Get StartedBe 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 ManagementSM 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(Coming Soon)
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.
Learn 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
