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M1: Invest & Bank Smarter

M1: Invest & Bank Smarter

Manage Money, Build Wealth

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

Details

  • Released
  • Updated
  • September 6, 2016
  • August 8, 2026

Features

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

2026.8.1

August 8, 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

Truly the Master Finance App

This app allows you to easily become your own bank. For those with decent personal finance literacy, this app is undefeated. Loved it ever since I joined in 2019.
rlsimo4rlsimo4

Keep me in the loop

I’ve checked every setting, given it every permission short of my actual soul, and yet... crickets. Absolute radio silence. Am I being top-secret stealth-ghosted by this app ?
Bcolew123245Bcolew123245

Forced web login??

New app version is terrible- login is now through a pop-up web Browser doesn’t seem secure at all. Don’t know why you build an app only to force people to login through the web. Garbage app.
PtrackPtrack

Amazing!

I have been using M1 for about two years now and wow . What a great company to have my investments in . This is the perfect brokerage to have longterm investments in . Their Pie investing strategy where you can choose what percent you want your investments to be is very easy so I don’t have to think about buying multiple different stocks/funds every time I deposit. Great company
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AminarieAminarie

Tanjelo Bonner

Faith
Colorfulmatter1Colorfulmatter1
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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.