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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.

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A 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.

Flow between the three M1 services: Borrow, Invest, and Spend


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.


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.


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.

Find out more about the features, benefits and risks about M1 Invest and Borrow here.

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.”

Victor M., NY

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

Total control, total freedom. Be invested.

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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.

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

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