Your money deserves a dream home

You want to retain control of your investing, with fractional shares, portfolio personalization, and account automation. But you need a new solution.

It’s time to choose a platform that lets you customize what counts and automate what clutters. For free.


Choose the stocks and ETFs you want in your portfolio, with access to fractional shares.


Schedule your contributions ahead of time and rebalance with just one click.


Borrow against your investments at just 2-3.5% APR, and use the funds for anything you want. info icon


M1’s intuitive platform lets you control as much, or as little, as you want.

With M1 there’s no comparison

M1 provides greater automation, better checking, increased borrowing power, and more chances to keep doing more of what you want. For free.

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Folio Investing

Full personalization

Just like you did with Folio, you can build and diversify your M1 portfolio how you want, with stocks, ETFs, and fractional shares. Plus, M1 offers Expert Pies you can use as a starting point. All for free.

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Folio Investing


All the automation you need

Keep investing consistently with M1. Similar to Folio, you can set investing schedules and rebalance your portfolio automatically. M1 even offers more sophisticated automation with Smart Transfers, the M1 Plus‑exclusive automated system that keeps your money moving how you want.

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Folio Investing


Lower cost

M1 doesn’t charge you any commissions or management fees for our basic account, so you can keep more of your returns. And when you switch to M1 today, you upgrade to M1 Plus and can get extra account perks for free (typically $125/year).  info icon

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Folio Investing


Margin borrowing, but better

M1 Borrow is a lower cost alternative to Folio’s margin loans. And with M1, you can borrow for any purpose, like more buying power for your portfolio or large expenses like a car.

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Folio Investing


Digital banking

M1 Spend is the checking account and Visa™ debit card that gives you more. Direct deposit your paycheck for smoother movements with your investments and use your debit card anywhere Visa™ is accepted. Plus, earn extra rewards like 1% APY and 1% cash back when you’re an M1 Plus member.  info icon

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Folio Investing


All information was gathered from Folio’s website and is accurate as of December 7, 2020.

Say goodbye to Folio and hello to M1

Investors like you have already transferred more than $600 million from places like Folio, Interactive Brokers, Schwab, Fidelity, Betterment, and more, and earned big while doing it.

Earn up to $2,500 when you transfer your account from Folio to M1 today.


when you transfer
an account of


when you transfer
an account of
$500,000 to $999,999.99


when you transfer
an account of
$250,000 to $499,999.99


when you transfer
an account of
$100,000 to $249,999.99

See Details

Smart and sophisticated, just like you

M1 gives you the ability to make your own smart decisions—for free. It’s no wonder that we cleaned up at the 2020 Investopedia Awards.

What our clients say

I’ve tried so many banks, brokers, financial products…I am exhausted. M1 is way ahead of the competitors.

Christopher P.

I’ve used several different brokerages, and none of them have delivered the diversification and freedom in investment choices like M1 has.

Dan T.

It is truly the best of both worlds: the choice of securities like traditional brokers as well as the automation of modern robo-advisors.

Michael M.

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

Yours to build

Join 500,000 investors who opened accounts with 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.

(M1 has more than 27,000 reviews in the app stores.)

Sophisticated investing
Simple tools

Thoughtful investing doesn’t work on thoughtless technology. Switch to M1 today.

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 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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account 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, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

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

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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