M1. Yours to build.
With combined investing, borrowing, and cash management in one easy-to-use automated platform, you can manage your money as you see fit.
Build your investment portfolio for free and maintain it with no effort with automatic and one-click rebalancing. Fractional shares enable you to put all your money to work across your entire portfolio.
Access a flexible portfolio line of credit when your portfolio value reaches $10,000, and use the funds for anything you want.
Use your integrated M1 Spend checking account to pay back your loan on your schedule, set up direct deposits, and invest automatically on a schedule.
Learn more about our offering:
Build a custom portfolio by picking the stocks and ETFs you want and setting target allocations for each security. M1 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, transfer money, 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.
Get more with M1 Plus
M1 is free to use, but when you upgrade your account to M1 Plus, you’ll get exclusive access to more rewards and perks. M1 Plus is $125/year.
Get more flexibility, automation, and control in your account with Smart Transfers and an exclusive afternoon trade window.
Tap into M1 Borrow for even less, at just 2% APR. Same borrowing power, at a lower cost. 
Get a checking account with rewards and earn 1% APY on your checking balance and 1% cash back on qualifying debit card purchases.
What our clients say
My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.
Joy W.
Being able to purchase fractional shares is exactly what I need.
Gregory P.
I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.
Victor M.
May not be representative of the experience of other customers. Not a guarantee of future performance or success.