Take control of your finances
M1 Smart Money ManagementSM gives you the freedom to seamlessly build, invest, and optimize your money—the way you want.
Get StartedA modern-day financial solution
M1 combines investing, borrowing, and cash management in one easy-to-use platform, so you can manage your money as you see fit.
Invest
Build a custom portfolio by picking the stocks and ETFs you want and setting target allocations for each security. M1 Finance uses fractional shares and intelligent automation to invest your money according to your target allocations, so you can capture your money’s full potential.
Borrow
Unlock a flexible portfolio line of credit at one of the lowest rates on the market with just $10,000 invested in your M1 portfolio. Through your margin account, access your funds with just a few clicks, no paperwork required, use the funds for any purpose, and pay back on your schedule.
Spend
Replace your checking account. Set up direct deposits, pay bills, and spend with a debit card. Plus, M1 Spend integrates seamlessly with Invest and Borrow, so you can access your borrowed funds instantly and move money between investments easily.
Enjoy M1 for free, or upgrade to
M1 Plus for more perks
Get the best of M1 Finance with these additional features:
- Borrow with a 0.25% discount on our already-low base rate
- Invest with a second daily trading window for more control
And a supercharged M1 Spend checking account:
- Earn interest with our high yield checking account
- Get cash back on your debit card purchases
- Spend with our premium tungsten metal Visa™ debit card
Learn more
“My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.”
Joy W., FL
“Being able to purchase fractional shares is exactly what I need.”
Gregory P., FL
“I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.”
