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Tech riderRev. 11 Oct 2026

M1

Ch 1715.8of 181Personal Finance Software
  1. 1Runs onAndroid, iOS, Web
  2. 2CostsFree plan · paid from $3/mo
  3. 3Budgeting toolsNo
  4. 4Bill trackingNo
  5. 5Net-worth trackingYes
  6. 6Account syncboth
  7. 7Report exportYes
  8. 8Mobile appsboth
8 lines stated Written from the maker's own pages: help.m1.com, m1.com
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The M1 homepage

Overview

M1 is ranked #171 of 181 in personal finance software on Specifiction, made by M1 (Chicago, Illinois, United States). It runs on Android, iOS, Web. There is a free plan. Paid plans start at $3/mo.

M1 plans and pricing

All plans
Platform Fee $3/mo Billed during each 30-day billing cycle when waiver requirements are not met Access to the M1 platform · Waived with at least $10,000 in total M1 assets or an active M1 Personal Loan help.m1.com · 20 Sept 2026
IRA Fee $3/mo M1 says customers pay a maximum of $3 per month and will not be charged both the Platform Fee and IRA Fee in the same mo Applies to clients with only an Individual Retirement Account open who do not me help.m1.com · 20 Sept 2026
M1 Advisor Free Included at no additional cost through December 31, 2027 For M1 clients · non-discretionary advice; client approves actions m1.com · 11 Oct 2026
M1 platform $3/mo $3/month; waived when total M1 assets reach $10,000 for at least one day in a 30-day billing cycle or with an active M1 Personal Loan; maximum $3/month Self-directed brokerage has no commission, trading or management fees · other fees may apply m1.com · 11 Oct 2026

Compared on personal finance software

Free plan
Nohelp.m1.com
Paid from
$3/mohelp.m1.com
Budgeting tools
Nohelp.m1.com
Bill tracking
Nohelp.m1.com
Net-worth tracking
Yeshelp.m1.com
Account sync
bothhelp.m1.com
Report export
Yeshelp.m1.com
Mobile apps
bothhelp.m1.com

Facts

Product
M1 combines AI-powered fiduciary advice with investing, saving and borrowing in one platform.m1.com · 11 Oct 2026
Investing
Users can build portfolios from stocks and ETFs as Pies, choosing holdings themselves or using M1 Advisor for guidance.m1.com · 11 Oct 2026
Accounts
M1 offers taxable brokerage, retirement and custodial accounts.m1.com · 11 Oct 2026
Advice
M1 Advisor answers plain-language questions using a client's positions, balances and rates, and explains the data and logic behind recommendations.m1.com · 11 Oct 2026
External accounts
Users can link outside accounts such as 401(k)s, mortgages and credit cards to their balance sheet for broader financial context.m1.com · 11 Oct 2026
Automation
M1 schedules trades once or twice daily and supports fractional shares for allocating portfolios to target percentages.m1.com · 11 Oct 2026
Unavailable trading
M1 does not offer day trading, extended-hours trading, limit orders, options, futures, short selling, mutual funds or OTC stocks.m1.com · 11 Oct 2026
Security and protection
M1 Finance LLC is a SIPC member, securities in brokerage accounts are protected up to $500,000, and swept cash may qualify for FDIC insurance through partner banks.m1.com · 11 Oct 2026
AI data use
M1 says client financial data is not used to train AI models, including third-party models, and advisory enrollment is opt-in.m1.com · 11 Oct 2026
Regulatory status
M1 Advisory Services, LLC is an SEC-registered investment adviser, while M1 Finance LLC is a FINRA and SIPC member.m1.com · 11 Oct 2026
Support
M1 provides a Help Center and a Contact us page.m1.com · 11 Oct 2026
Intended users
M1 describes itself as designed for long-term investors who want an all-in-one finance platform and advice while retaining decision-making control.m1.com · 11 Oct 2026
Company location
M1 Finance LLC lists its address as 200 N LaSalle St., Ste. 810, Chicago, IL 60601.m1.com · 11 Oct 2026

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Where it ranks on Specifiction

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