Take time management out of money management. M1 makes it easier and quicker to invest, borrow, and spend your hard-earned wealth exactly how you want—all with an intuitive, modern platform. Sign up for M1 and get a better Interactive Brokers alternative.

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Choose the stocks and ETFs you want in your portfolio.

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Diversify easily with fractional shares.

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Schedule contributions and rebalance with one click.

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Borrow against your investments at just 2–3.5%. info icon

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The killer feature for me was the ability to invest in a diverse portfolio, rebalance it easily, and save with it as easily as a bank checking account.

– Devin L.

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


Don’t waste time with Interactive Brokers, M1 provides greater automation, better ease of use, and more ways to grow your wealth your way. Switch to M1 and get more power behind every dollar.


M1 Spend is our free, digital checking that provides a safe, secure place to store your money. You can pay your borrow loan, set up automatic investments, and even earn 1%APY  info icon on your balance with M1 Plus. M1 plus is normally $125 a year, but your first year is always free. Interactive Brokers doesn’t offer checking services and pays 0% on uninvested cash.


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Interactive Brokers

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No matter your experience level, M1 has plenty of tools to help you create your perfect portfolio with ease. Work from a pre-made Expert Pie according to your goals and risk tolerance, or craft one in minutes with a simple interface—all for free. With the free version of Interactive Brokers, it’s entirely self led. 


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Interactive Brokers

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M1 is entirely free to use, even our Expert Pies. With Interactive Brokers, some of their tools will cost a fee. 


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Interactive Brokers

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Robo-advisor fees range from 0.08% to 1.5%


With M1, your first year of our premium offering, M1 Plus is completely free (a $125 value). That’s more perks, tools, and better rates to supercharge your finances. With Interactive Brokers, their premium service trial only allows you to demo the features, you need to sign up before you can fund or trade. 


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Interactive Brokers

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Interactive Brokers data is as of September 16, 2021.

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I recommend M1 for its intuitive design that makes investing feel not scary. M1 helped me branch out from using brokers who decided everything for me.

– Kyle B.

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


When you join M1, you’ll unlock more of everything with a free year of M1 Plus. You get extra perks, 1% cash back on purchases, our lowest Borrow rate, access to Smart Transfers, and more. Plus, our checking accounts offer 1% APY  info icon  on your balance, so you can grow wealth even when it’s not invested.

There’s no commitment and you can cancel anytime. When it practically pays for itself, why would you?

M1 Plus. High interest checking, Cash back, Reduced rate on M1 Borrow, Afternoon trade windows, Smart transfers, Custodial accounts. Join M1 Plus for $125/year


Earn up to $2,500 when you transfer securities from another brokerage account to M1.


$1,000,000 +

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$500,000 – $999,999.99

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$250,000 – $499,999.99

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$100,000 – $249,999.99

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5 stars

35,000+ 5-STAR REVIEWS
(App Store and Google Play)

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M1 stood out to me because of the simplicity and benefits offered for investing.

– Alejandra A.

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


Thoughtful investing doesn’t work with thoughtless brokerages. Start enjoying more tools, lower rates, more power over your wealth—all on a sleek, intuitive platform. It’s free to download and start investing. Switch to M1 today. 

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Transfer a brokerage account to M1 and earn up to $2,500

Transfer a brokerage account or IRA to M1 and earn up to $2,500. Here’s how to get started:

  1. Get a copy of a recent account statement from your brokerage.
  2. Ensure you have an account open in good-standing at M1 that matches the account type you’re transferring (e.g., if you are transferring securities from a joint brokerage account, you’ll need a joint brokerage account open at M1)
  3. Submit a transfer request from another brokerage account within the first 60 days as an M1 client. Click here to get started.


Beginning June 1, 2021, this ACATS promotion offer applies to direct account transfers (from participating brokerages) initiated within the first 60 days from client sign-up on M1 (“ACATS Transfer Promo”). Any ACATS Transfer Promo payments for eligible transfers will be paid 150 days after the client’s sign-up date with M1. Client sign-up date is defined as the day a new client submits a valid email and password creating a user login for M1 Finance. This ACATS Transfer Promo offer is valid only for direct broker transfers received through the Automated Customer Account Transfer Service (“ACATS”). This offer is non-transferable, and not valid with any of the following: internal transfers, ACH deposits (bank transfers), wire transfers, direct 401(k) rollovers, or in conjunction with other promotional offers M1 Finance or may offer from time to time.

Cryptocurrency is not eligible for ACATS. Additionally, any security transferred via ACATS that is not traded by M1 will be liquidated, including but not limited to Mutual Funds and Over-The-Counter securities.

The ACATS Transfer Promo amount (see table below) will be based on the aggregate value of all brokerage accounts or IRAs transferred within the initial 60 days of new client sign-up date. The aggregate account value is determined as the current market value of all holdings and cash on the day the transfer is completed. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) at time of ACATS Transfer Promo pay out1. M1 Finance may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Taxes related to any M1 Finance promotional offers are your responsibility. All promotional items and cash received during the calendar year will be included on your consolidated Form 1099. You are encouraged to consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

ACATS Transfer Promo

Account Value1Promotional Credit ($)
$100,000 – $249,999.99$250
$250,000 – $499,999.99$500
$500,000 – $999,999.99$1,000
$1,000,000 +$2,500

ACATS Transfer Promo credits will not be applied for any transfer which has completed retroactively.

This promotion is not valid with any other offers and is non-transferrable. Offer available only to individuals who are 18 years or older and are Legal U.S. Residents. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided, or that any terms of the M1 Terms of Use or Account Agreement have been violated. This offer is not valid if the name on the M1 account is different than the name on the outside brokerage account requested for the ACATs.

General Conditions: By participating in this ACATS Transfer Promo, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this ACATS Transfer Promo or out of acceptance, use, misuse or possession of the cash deposit attained through this promotion. All applicable federal, state, and local laws and regulations apply.

Your Personal Information: Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

This promotion expires at 12:00pm ET on December 31, 2021.

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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account 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, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

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

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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