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Free IRAs from M1 Finance

You know what's better than low-fee IRAs? No-fee IRAs.

What if we said you never have to worry about hidden fees eating into your returns again?

Maximize your retirement savings with commission-free, fee-free traditional and Roth IRAs from M1 Finance. Build a portfolio of the stocks and funds you want, choose from dozens of expert portfolios designed to match your timeline and risk tolerance, or combine the two to fit your unique financial goals. Then, just automate your investing with scheduled deposits to your account, so you can sit back and relax as your retirement savings grow in the background.

Open an account

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Earn more when you invest for free

Starting today with a portfolio of: $25,000
With a monthly deposit of: $500
Over 20 years you would save: $34,626

How do we calculate these numbers?
Returns are calculated using an assumed 5% growth rate with fees removed.
M1 Finance
Traditional Advisors (~1% fee)

Want to learn more?

Check out our resources to learn more about investing for retirement with M1, or reach out to our team at

Learn more
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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.
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