M1 combines the control of a brokerage with the automation of a robo-advisor. Create custom portfolios, invest with $0 commissions, earn 4.00% APY on cash, and borrow at rates traditional banks can't match.
M1's unique Pie system lets you build a diversified portfolio visually. Each "slice" represents a stock or ETF. Set your target percentages, and M1 automatically invests and rebalances for you.
M1 isn't just a brokerage – it's a complete money management platform
Build custom portfolios with Pies. $0 commissions on 6,000+ stocks and ETFs. Fractional shares let you invest every dollar.
$0 CommissionsPark your uninvested cash and earn 4.00% APY. FDIC insured up to $4.75 million through partner banks. No minimum balance.
4.00% APYBorrow up to 50% of your portfolio at just 4.40%. No credit check, no application – funds available in minutes.
4.40% RateAutomate money movement between accounts. Set rules like "invest excess over $1,000" or "maintain $500 in checking."
AutomationEvery deposit buys underweight slices. Every withdrawal sells overweight ones. Your portfolio stays on target automatically.
Auto-RebalanceTrade Bitcoin, Ethereum, and Litecoin with no fees. Build crypto Pies alongside your stock portfolio.
BTC, ETH, LTCSee everything in one place – your investments, cash balance, borrowing power, and more. M1's app makes sophisticated wealth-building simple.
See why serious investors choose M1
Join thousands who've simplified their investing with M1
"The Pie concept clicked instantly. I built a 3-fund portfolio in 5 minutes and haven't touched it since. M1 handles all the rebalancing. My portfolio is up 28% since I started."
"I borrowed $15K against my portfolio at 4.4% to cover an emergency. No credit check, no forms – just clicked a button. Try getting that from a bank. M1 is years ahead."
"Moved from Robinhood and never looked back. The Pie system is perfect for long-term investing. Plus 4% APY on my cash while I wait for opportunities. No-brainer."
Takes 2 minutes to sign up. $100 minimum to start investing. Your money works harder with M1.
Open Your Free M1 Account
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we may receive a referral bonus at no additional cost to you. We only recommend services we genuinely believe provide value.
Important Disclosures: M1 Finance LLC is an SEC registered broker-dealer, Member FINRA/SIPC.
M1 is not a bank. M1 High-Yield Cash Accounts are investment products offered by M1 Finance LLC.
The M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.
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.
APY is subject to change. Platform fee of $3/month applies (waived with $10,000+ balance or active personal loan).
Promotional rates are subject to terms and conditions.