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Revolutionize your finances with M1’s innovative personal finance platform. Explore earning, investing, spending, and borrowing solutions.

One platform, unlimited possibilities
September 4, 2018November 20, 2023 M1

At M1 Finance, we know everyone manages their money differently. But back in 2016, we realized that while technology had made huge strides in the…
The future of finance is free… and so much more
August 30, 2018March 30, 2022 M1

About 8 months ago, M1 announced we removed all fees to offer a free investing experience for our users. We made this choice for a…
Announcing M1’s newest feature: M1 Borrow
June 18, 2018March 30, 2022 M1

I love talking with our users and hearing how M1 helps with their personal finances. Whether it’s demystifying investing, making ownership of particular companies possible…
M1 Finance: The Best ShareBuilder Alternative
June 15, 2018June 24, 2022 M1

Capital One Investing (previously ShareBuilder) has been bought by E-Trade, and as a result, all Capital One accounts will be transferred to E-Trade. This type…
Introducing M1’s two newest features
April 25, 2018December 1, 2022 M1

I started M1 with one simple mission: make it easy for everyone to invest exactly how they want. You see, years ago I ran into…
Why Chicago is the best city to launch a fintech company
July 17, 2017June 18, 2025 M1

I recently had the opportunity to write an op-ed for Crain’s Chicago Business on why I chose Chicago to launch M1 in and why I…
Why I founded M1 Finance
March 27, 2017March 30, 2022 M1

If you’re like most people, you probably don’t get warm and fuzzy feelings when you think of finance companies. Unless, perhaps, you work at one….

Manage your money with M1

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, and M1 Digital 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 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 2025 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.

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