Smart and sophisticated, just like you
M1 gives you the ability to make your own smart decisions—for free. It’s no wonder that we cleaned up at the 2020 Investopedia Awards.
Yours to build
You know your goals, and you know how you want to get there. It’s time to choose a financial platform that lets you customize what counts and automate what clutters.
FREEDOM
Build your portfolio how you want.
EASE
Diversify with fractional shares.
POWERFUL
Schedule contributions and rebalance with one click.
SOPHISTICATED
Borrow from your investments at 2-3.5% APR. 
The M1 Plus advantage
MORE AUTOMATION
Use Smart Transfers to move your money to the right places at the right times—automatically.
MORE CHECKING PERKS
Earn 1% APY* when you save and 1% cash back when you spend. 
MORE BORROWING POWER
Tap into a portfolio line of credit at just 2% APR and use the funds for anything you like.
MORE TRADE WINDOWS
Get two opportunities to invest every day: in the morning or in the afternoon.
+ Typically $125/year. See details →
What our clients say
M1 makes you feel empowered and knowledgeable about where your money is going.
Brenda O.
M1 Borrow’s flexibility, convenience, speed and ultra-low interest rate (especially for M1 Plus members) can’t be beat.
Adam T.
It is truly the best of both worlds: the choice of securities like traditional brokers as well as the automation of modern robo-advisors.
Michael M.
May not be representative of the experience of other customers. Not a guarantee of future performance or success.
Yours to build
Join 500,000 investors who opened accounts at M1 to automate their finances.
With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending.
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(More than 27,000 ratings)
Account protection with peace of mind
Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.
M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.
We are a technology-first company that utilizes the latest in information security.
