Revolutionize your finances with M1’s innovative personal finance platform. Explore earning, investing, spending, and borrowing solutions.
At M1, AI is a major part of how we plan, build, and safeguard the platform every day. From design and engineering to operations and compliance, teams across M1 have been using AI to move faster and operate at scale. Here’s how four teammates put AI to work.
Looking for news that actually matters to your long-term vision? News Snapshot has you covered. It’s M1’s latest update to the research tab, designed to…
New clients often wonder why M1 uses trade windows. M1’s trade windows are an intentional and core design choice to support long-term, automated, and diversified…
At M1, we’re committed to building helpful tools for long-term wealth building. A key part of that process is beta testing—and it helps us to…
Now that performance benchmarking is built into M1, it’s easier than ever to see your portfolio’s performance in context. However, it’s important to make sure…
The wait is over… M1 just launched a new, powerful performance benchmarking tool to help you evaluate your investment strategy and build confidence in your…
Evaluate performance like a pro. It’s finally here! Time-Weighted Rate of Return (TWRR) is now available to help you better understand the performance of your…
Many investors sabotage their long-term financial goals by falling prey to cognitive biases and technical errors when evaluating their portfolio’s performance. Research shows that the…
Imagine this: You’ve meticulously built your investment portfolio over years. You’ve been disciplined about your strategy, made regular contributions, and weathered market volatility. But when…
Invest, borrow, and spend on one intuitive platform. Customize your strategies, automate the big picture, and let The Finance Super App®️ take care of the day-to-day. M1 gives total control for your wealth today and tomorrow.
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Disclosures
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 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, M1 Digital LLC, and M1 Advisory Services, LLC.
Advisory products and services are offered by M1 Advisory Services, LLC, an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Advisory services are distinct from the brokerage products and services offered by M1 Finance LLC. Clients receiving advisory services must also maintain brokerage accounts with M1 Finance LLC, which is a separate legal entity and a Member FINRA/SIPC. For important information about M1 Advisory Services, LLC, including fees, services, and conflicts of interest, please review our Form ADV Part 2A and Form CRS.
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 review our margin account risk disclosure 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 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.
M1 is not a bank. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.
M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.
The Owner’s Rewards Card by M1 is no longer accepting new applications. Review Cardholder Agreement for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is serviced by M1 Spend LLC, on behalf of M1 Credit Receivables LLC.
© Copyright 2026 M1 Spend LLC. All rights reserved.
M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are involved with the execution or custody of cryptocurrencies. Cryptocurrencies are not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit Crypto Disclosures.
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.
M1 Finance LLC
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