Smart investors earn more

Earn more when you manage your money with M1.

Smarter working money


Your money works smarter for you when you don’t pay management fees or trading commissions. After all, every dollar you don’t pay in fees is another dollar you can spend or put to work in your portfolio.


Put every penny to work when you invest with fractional shares. Diversify your portfolio easily and avoid idle cash waiting to be invested.


Tap into a flexible portfolio line of credit at a low base rate, and use those funds for anything: major purchases, emergency funds, or portfolio leverage. Plus, you can pay back on your schedule.


Replace your checking account with M1 Spend and experience a more efficient way to manage your money. Sweep extra cash into your investments and receive borrowed funds faster than ever.

Tax efficiency

M1 Invest uses a lot allocation strategy when selling securities to help reduce the amount owed on taxes. Here’s how it works:

After you request a withdrawal, M1’s algorithm determines which securities to sell based on your portfolio targets.

M1 sells securities in this order:

– Losses that offset future gains

– Lots that result in long-term gains

– Lots that result in short-term gains

After the sale settles, your funds will be transferred to your bank account (3-5 business days).

Spread the word and earn more

You found a tool like no other, and your friends want to hear about it! You can sign up for our refer a friend program in the app, and every time you refer a friend, we’ll give you each $10 to invest.

Learn more →

Total control, total freedom.

Be invested.

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 technolo- gy 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 are: Not FDIC Insured • No Bank Guarantee • May Lose Value

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

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.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

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.

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

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