Get Ready for Retirement

Acorns helps you save and invest small amounts regularly into your own diversified portfolio. Start with just your spare change and join over 1 million who have taken steps to improve their future.

Digit checks your spending habits and saves a few dollars from your checking account if you can afford it.

With Qapital, do something, go somewhere, pay off your debts, or just save money with goals you create. Then attach a rule for each goal to help you save such as putting away a specific amount every week. Attach your bank account or a funding account and watch the money you save for your goals roll in.

M1 is sophisticated wealth building, simplified.

Our comprehensive financial platform combines high-yield on your cash, personalized investment management, a lucrative cash-back credit card, and flexible ways to borrow money.

Discover the power of personalized finance and take control of your financial future. Download M1 now and experience the future of finance at your fingertips.

EARN

Maximize your savings growth with 5.00% APY interest, ensuring your money works harder for you.

INVEST

Use powerful portfolio management tools to invest commission-free^. Build your unique portfolio of stocks and ETFs and let advanced automation help power your strategy to achieve your long-term goals.

SPEND

Our M1 Owners Rewards Credit Card offers rewards that align with your spending habits. You can automatically reinvest your rewards to build wealth—even as you spend.

BORROW

Margin lets you tap into the power of your portfolio through a line of credit against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin. Borrow up to 50% of your portfolio with rates from 7.25%-8.75%*. Pay back on your schedule—there’s no minimum or maximum repayment period.

You can also borrow $2,500–$50,000 over 2-7 years for almost anything. No prepayment penalties, origination fees, or late fees. APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.

DISCLOSURES

See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Must be 18+ and US resident to open an account.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.

M1 is not a bank. M1 Savings Accounts and M1 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.

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.

© Copyright 2024 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States

Savings Goals lets you enter a target amount and date and then suggests a savings schedule. Create multiple savings goals, easily view your progress, and customize the app with themes.