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M1: Invest & Bank Smarter

M1: Invest & Bank Smarter

Manage Money, Build Wealth

74K ratings
510 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 6, 2016
  • July 15, 2026

Developer

M1 Finance LLC
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About

This finance app simplifies wealth building by offering integrated earning, investing, and borrowing features. Manage cash with high yields, build custom investment portfolios with automated rebalancing, and access competitive margin rates, all within a secure platform.

✓High-Yield Cash Account
✓Customizable Investment Portfolios (Pies)
✓Automatic Rebalancing
✓Fractional Shares
✓Margin Borrowing
✓Retirement Accounts (IRA)
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What users say

Summarized from real user reviews of M1. Based on 74K reviews and a 4.7/5 average, it highlights the 6 positives and 7 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Great update and app
  • 🚀Wonderful app to organize accounts
  • 🚀Easiest visual long-term investing app
  • 👍Excellent service and good app
  • 👍Best app for path to financial freedom
  • 👍Best investing platform to date

Negative things

  • 🔍Stop pushing users to take on margin debt
  • 🐛Buggy and glitchy app
  • 🔍Confusing and baffling app
  • 🔍Clunky UX with unclear onboarding
  • 🔍Horrible customer service
  • 💰Transfers take too long
  • 🔍Pie and slice concept not user-friendly
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+1

What's New in M1

2026.7.3

July 15, 2026

Here's what you'll find in the latest update: - Bug fixes and improvements Let us know what you think by leaving a review or contacting us at hello@m1.com

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User reviews

Most RecentHighest RatedLowest Rated

Inability to find specific stocks within the pie after update

Currently, there’s no way to buy individual stocks after the update. Please fix ASAP!
SigneyzSigneyz

Unique investing app

I’ve never seen another investing platform like it, can’t wait to see where my account is a year from now. Investing in my four favorite mega cap stocks right now, Amazon, meta, Microsoft, and NVDA!
tylerismyrealnametylerismyrealname

The Best you can’t compare

The Best you can’t compare . (5*)
Gifted111Gifted111

investing your $ real time consent

put money in to the account, apparently the default is it will automatically invest it without your say so without any confirmation and that is the default. So if you wanted to put money into the account and wait a little bit to decide whether you’re going to buy or how much you’re going to buy or any of that, too late, they already invested the money because that’s the default.
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N5804N5804

Love this app!

The portfolio pie system is awesome especially with auto invest turned on.
Louie ArchieLouie Archie
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User experience

🐞

Reported Bugs

3 issues

Account freezing issues due to bug with holding limits

Bug

Problems with executing orders during trading windows

Bug

Incorrect handling of corporate actions and mergers

Bug
✨

Requested Features

6 requests

Add ability to distribute new deposits evenly among all holdings

Feature

Improve research and data analytics features

Feature

Allow more customization and hiding of unused features

Feature

Add more trading windows during the day

Feature

Implement a dividend reinvestment (DRIP) feature

Feature

Provide option to manually buy/sell individual shares

Feature

FAQ

What does M1: Invest & Bank Smarter do?

This finance app acts as a 'Finance Super App' allowing users to earn, invest, and borrow all in one place. It offers features like a high-yield cash account, tools to build custom investment portfolios with automated rebalancing, and margin borrowing capabilities.

What are the key features for investing?

Key investment features include the ability to build custom portfolios called 'Pies' from over 6,000 stocks and ETFs, choose from curated portfolios, invest long-term with automatic rebalancing and fractional shares, and open various brokerage and retirement accounts like IRAs.

How much does M1: Invest & Bank Smarter cost?

The app is free for clients with over $10,000 on M1, and generally does not charge commissions on trading. However, there may be other fees such as a platform fee, regulatory fees, or account closure fees. Users should refer to M1's Fee Schedule for a complete list.

Is my money safe on M1: Invest & Bank Smarter?

Yes, the app employs bank-level 256-bit encryption and 2-factor authentication for security. Investment accounts are protected by SIPC up to $500,000, and cash balances in the Cash Account are FDIC-insured up to $4.75 million once swept to partner banks.

Who is M1: Invest & Bank Smarter for?

This app is designed for individuals who want to simplify their wealth-building journey. It's suitable for those looking to manage their cash effectively, invest in custom portfolios with automation, and potentially utilize margin for borrowing, all within a single, secure financial platform.