M1: Invest & Bank Smarter

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.7 74432 ratings · App Store

1. 5/5IT’S BUGGY of LATE

   It started out kinda bumpy but got things fairly sorted out and lately it seems to be working except, it recently started opening to a blank screen - white box absent content. Running on iPad Pro 12.9” that’s up to date. Rebooting iPad may or may not resolve the problem as it reoccurs for no apparent reason. This is somewhat troubling for a finance application - there is no update available on the App Store. I like the app except its kinda clumsy and GUI needs improvements. Also, recently tried linking DivTracker Ultimate with Auto Portfolio import using Plaid that goes well up until Plaid gets to the linked institutional account but then craps out with an error report that the login is all correct but it can’t find the right kind of accounts for the application which is kinda curious because they are the same ones that both Robinhood and M1 were used for setup and operational for authentication and funds transfers so it’s clearly not an institutional side problem vs Plaid, M1 or DivTracker… though DivTracker works. After all the glowing app reviews it’s disappointing to suddenly have undocumented “features” dropping like a pesky fly in the ointment.

   PayingLessIsBetter · 30 Aug 2026

2. 4/5Great Update & App 👍🏾👍🏾

   This was a VERY needed update for the app!! Dark Mode along with the other needed tweaks to the UI made this app a lot more useful. I’ve been an active investor for over 20+ years and using this app for almost a year now. In the beginning (like others have mentioned) I’ve found setting up and investing with M1 hard to comprehend. But after continuous use, I came to understand it’s more like investing in your own self-directed Mutual Fund then any other investing/ brokerage app. During setup you’re asked to create a pie made up from slices of Stocks and ETFs you’ll like to own. Then simply fund the pie. This allows M1 to do ALL the hard work in keeping your portfolio/ pie balanced. Applying more funds to your undervalued stocks/ ETFs then the overvalued ones. A super easy way to just Set and Forget. But if you’re more of a hands-on type of investor, it still gives you the ability to Buy & Sell the individual slices/shares of your pie. A truly great concept! The one thing I do wish they would add is the ability to transfer smaller amounts within the accounts from my Savings pot ($10 minimum to transfer). This would be very useful for Stocks and/or ETFs which dividends have a deposit only less than a $1 (minimum amount to invest).

   BigLan25 · 30 Aug 2026

3. 4/5Dsay

   Waited til tax season to review, the consolidated forms were fine. This app is for long term, mid to large cap investments, reason being the limitation for buying and selling in relation to price fluctuations. However, I solely have bought and hold the high risk speculation stocks as my preference, given the volatility and only by chance, most of my buy and sells landed where I hoped for my price target , doing well ( I don’t recommend spec plays here) or trading, this platform is for true investing. I had one Company buy out M1 handled well regarding the tender offer process. Customer support is really hit or miss via email or calling as of late is was just poor, I had great and bad experiences. Their banking interest rate is compelling ,though I haven’t opened a account related to that regarding M1 plus. I think I’m still inclined to move my Roth IRA despite the customer support issues given that if it was a money issue they fixed it right away, bugs in the app go to the waist side, document every buy and sell order by phone pic and print every buy and sell statement, you’ll be fine. Another plus to M1, I’d set up a deposit transfer from my bank a night before or morning of then set a buy order and have all those execute for that trade window versus having to wait days to deposit, between deposits and withdrawals I’ve never had a issue since I started here last April. First initial use of the app took me two phone calls to get familiar to navigating how it works, after a few buys it was easy to get around how it’s set up, through updates it’s still pretty much the same, you get more intuitive with it.

   tradesum · 30 Aug 2026

4. 5/5The App that replaced all of my other financial Apps!!! (NOT JOKING!!)

   This App, is for EVERYONE, that want to learn more about their financial situation and the potential financial situation of our economy. It breaks down everything to an understanding that anyone can comprehend, from a basic checking account to advanced investment strategies to borrowing a little extra cash or a lump sum M1 undoubtedly leaps and bounds above its competitors! I had them all and I was tempted to list them, but that’s a a waste of time and time I could be using on M1 to advance, grow and learn more about my financial options and opportunities. Try M1, just once, and then I invite ANYONE to prove me wrong anywhere about this App’s capability to prove at this high level in which I claim. My passion is real, my wife Emily is a health care worker at NCH (Naples Community Hospital) and she worked on the Covid-19 intake floor and contracted the Covid-19 Virus from one of the other healthcare workers or a patient in that floor, we don’t know? But she’s been sent home from work from NCH (Naples Community Hospital) WITH WHATS CALLED TLP(Temporary Leave Pay) which is almost half of what she was making!!!! And then as soon as her leave is up, she goes back into work, AND GETS FIRED AS A WELCOME BACK GIFT!!! M1 has allowed us to borrow some very much needed cash in this hard time of injustice! Thanks again M1 and you have life long clients!!!!!

   PatriotsofAmerica1986 · 30 Aug 2026

5. 5/5Best App for Path to Financial Freedom

   M1 finance outperforms every other brokerage/brokerage app by a long shot. I have used/currently use Robinhood, Fidelity, and Acorns. M1 is the clear winner in terms of wealth growth. The “pie” concept is the most efficient and ingenious idea for investing. They have made this simple. Another aspect that sets M1 apart is their “borrow” feature. I am a gold member on their service (I got it at $75 for the first year, normally $125 a year). For me, the borrow feature has provided me the means to make a down payment on my car without withdrawing from my investments. Borrow also allows the user to receive cash without the liquidation of your investment account and it allows my investments to keep growing. Borrow for Gold members is at a cool 2% interest rate (cheap money). My money is starting to compound and the scale they use (total account value) allows the user to have a visualization of the “8th wonder of the world” (compounding). I’m only 21 and the future is bright thanks to tools like M1. This app is beautiful offspring of a capitalistic society and this app will be the reason for many future millionaires. Keep up the great work.. All it needs is real human reps to call for costumer service!

   Drew4051 · 30 Aug 2026

4.4 27762 ratings · Google Play

1. 3/5

   This was a daily app for me, but recently, it's started logging me out after a day or so, and I have to go through the login process again, even though I have biometrics enabled. And since I use the widget, that needs to be redone, too.

   Shawn Adamson · 1 Aug 2026

2. 1/5

   The app logged me out yesterday (after an update, I see), opens a web page,says my account is not found, then opens a web version of my dashboard (now logged in). Incredibly suspicious behavior for a financial application.

   Alana Bielarski · 1 Aug 2026

3. 1/5

   the new version of the app has some pretty major security issues. it will no longer function inside of a secure profile. it looks like they may have made it a web app now which is really scary figuring it's a financial app. I love M1 but the things they're doing with their app are really pretty scary.

   Andy Cottam · 1 Aug 2026

4. 1/5

   After the last update, the app is no longer usable. It prompts me log in and then go and fetch the code from Authenticator. After returning back with the code, the app takes me back to login screen. And round we go. Don't mean disrespect, I used the app all the time, but c'mon, really?

   ik · 1 Aug 2026

5. 5/5

   I really like yalls app but I wish there was a little buffer for when the market opens that we can buy or sell. like 30 minutes. also I know we cant sell at certain prices directly but I wish yall had a function where if its within this and this range sell this amount or buy. that way I dont have to watch the market every day hoping the stock gets within the price im trying to sell. I work nights so I miss those opportunities I could have done it when it was within that price range.

   Redricks gaming · 1 Aug 2026

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