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Free automated investing

M1 Finance empowers you to manage your money and build wealth with ease.

M1 portfolio screen

The customization

Build a custom portfolio of the stocks and funds you want or choose from more than 80 expert portfolios. Can’t decide which route to take? No problem! Use both.
M1 activity details screen

The fractional shares

Own any security, regardless of share price, with fractional shares. It makes diversification super-simple and ensures you’re always fully invested.
M1 funding schedules screen

The free automated investing

Deposit money anytime, anywhere and we’ll do the heavy lifting for you — no trading fees or commissions. You can even set a schedule to automate your investing.

"Giving every investor access to fractional shares is a game changer."

Michael M., RI

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

Dan T., IA

"It's still amazing to me that M1 offers so much value without charging fees."

Alex G., NY

Accounts to fit your needs



multiple people


an island


(Traditional, Roth, SEP)

three dots


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 the FDIC.

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

Borrow on your terms

When you invest $10,000 or more with M1 Finance, you also unlock the simplest, lowest cost way to borrow money.

M1’s flexible portfolio line of credit lets you borrow up to 35 percent of your portfolio1 instantly and pay back on your schedule — all for just 4% APR2. No waiting time. No credit checks. No paperwork. Use it for whatever you want, whenever you want.

Invest without compromise. Invest with M1 Finance.

Get Started

1. Minimum account balance must be at least $10,000 to use M1 Borrow.
2. M1 Borrow interest rate is based on the federal interest rates and is subject to change if and when federal rates change.
3. Testimonials may not be representative of the experience of other customers and should not be considered a guarantee of future performance. These stories come from an M1 Finance contest in which users submitted their stories of using M1 for a chance to win $500 to invest. Finalists received M1 merchandise after the winner was announced.
Check the background of M1 Finance LLC on FINRA's BrokerCheck
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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.

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

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

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.

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

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.
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: 213 W Institute Pl, Ste. 301, Chicago, IL 60610

© Copyright 2020 M1 Holdings Inc.