Be invested
Join 150,000 investors who automate their finances with M1.
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.
Manage and grow your money, the way you want
M1 Smart Money Management 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
Use intelligent automation to invest in a portfolio of stocks and ETFs, for free.
Access your flexible portfolio line of credit with just $10,000 invested.
Access your cash and spend with an M1 checking account and debit card.
M1 PLUS ACCOUNT
Get more flexibility: Invest in the morning, in the afternoon, or both. 
Unlock an even lower rate with a 1.5% reduction of our standard base rate.
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.
