Get up to $500 when you sign up for M1 and make a deposit of $1,000 or more within 14 days. Terms and conditions apply. Learn more →
Headshot of Matt G.

Fractional shares, auto-rebalancing, and it’s absolutely free to use!

– Matt G.

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


How much do you want to invest? What’s your time horizon? Risk tolerance?

M1’s easy-to-use tools enable you to develop an investing strategy that’s right for you, and our powerful automation helps you implement and maintain it.


Build a custom portfolio of the stocks and funds you want or choose from more than 80 expert portfolios.


Own stocks and ETFs, regardless of share price, with fractional shares. Make diversification simpler and ensure you’re always fully invested.


Automate your contributions with investing schedules, keep your portfolio on track with dynamic rebalancing, and never worry about placing manual trades again (though you can if you want to).

Image of an M1 Pie. Cards with details of the holdings that make up the Pie float around it.
Image of an M1 Pie.


Managing your portfolio is easier and more intuitive than ever! The Pie is an interactive dashboard where you can choose from over 6,000 stocks and funds to build your own custom investment plan. Or select from nearly 100 pre-baked Expert Pies designed to meet different financial goals or investment objectives.


Keep your Pie organized. You can make several Pies, each with its own theme or strategy, and then combine them together in your main portfolio Pie.


Our team has put together more than 80 curated Pies, each following a different strategy.

Headshot of Victor M.

I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.

– Victor M.

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


Set up an individual taxable account for your general investing needs, including a joint account with a relative, spouse, or domestic partner; traditional, Roth, and SEP IRAs, or a trust account.

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M1 Finance automates maintenance and simplifies construction of your custom investment portfolio. After you create your Pie-based portfolio, M1 utilizes its proprietary trading system to automate all of your trading activity. You’ll never have to input or execute any trades manually.

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Unlike some companies, M1 charges no management fees. There are some miscellaneous fees for some services, which you can find here.

Investing can be one of the best ways to build wealth for the long-term, but here are some things to keep in mind when creating your portfolio

  • Returns from any investment requires that the company stays in business.
  • Stock prices may fluctuate up or down based on factors inside the company, political events, or market events.
  • Inflation reduces purchasing power and may erode returns for people investing in cash equivalents.
  • Interest rate changes can affect the business operations, profits, and losses of companies in many sectors of the market.
  • The potential lack of market availability of an investment you want to buy or sell quickly can reduce potential gains but increase potential losses.

Glad you ask. Get the big picture here.


Exclusive features and rewards that help you earn more, access more and receive more perks and discounts. 

Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up. 


Set up automated ‘if, then’ rules and optimize your money across M1.


Start building long-term wealth for the children in your life.


Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.

1% APY CHECKING info iconNo 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. National average is 0.03% APY as of April, 2021. Obtained from the FDIC.

Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an
entire year with a big bank.


Send physical checks without ever touching a pen.  


For your wealth today and tomorrow.

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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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