Get started with M1. Deposit $1,000+ and get a $30 bonus. Learn more →

Build more, worry less

M1 takes care of the day-to-day tasks so you can concentrate on the big picture. Get the perfect mix of personalization and automation and start making your own money moves. For free.

See How It Works →


Wealth building for today’s long-term investors


FEWER FEES

Because every dollar you don’t pay in management fees is one you can invest in yourself.

SMARTER TOOLS

Because your time is as valuable as your money. You make the choices that are right for you, we handle the rest.

WISER STRATEGIES

Because you believe that building long-term wealth isn’t achieved by day-trading or neglected retirement accounts.


What We Believe →


INVEST, YOUR WAY

Flexible, customizable and automated. It’s your money, intelligently invested the way you want, for free.

BORROW, YOUR WAY

A flexible portfolio line of credit at one of the lowest rates on the market. Borrow against your investments at 2-3.5% without extra paperwork.  info icon

SPEND, YOUR WAY

The best of digital banking, seamlessly integrated with your investments. Empowered to make every cent work hard for you.

UPGRADE, YOUR WAY

Exclusive features and rewards that help you earn more, access more and receive more perks and discounts.

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 FDIC insurance.


We are a technology-first company that utilizes the latest in information security.

500,000+

investors who opened accounts

20,000+

5-star reviews on the App Store and Google Play

BEST FOR SOPHISTICATED INVESTORS

Investopedia, 2020

ONE OF THE BEST BROKERS

GOBankingRates, 2019

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) can’t be beat.

Adam T.

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

Joy W.


May not be representative of the experience of other customers. Not a guarantee of future performance or success.


YOURS TO BUILD.

Total control and automation,
for your wealth today and tomorrow.


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

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 technolo- gy 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 are: Not FDIC Insured • No Bank Guarantee • May Lose Value

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

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.

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

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.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC.
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.

Address: 200 N LaSalle St., Ste. 800; Chicago, IL 60601

© Copyright 2021 M1 Holdings Inc.