M1 Finance

aid: m1-finance
name: M1 Finance
description: >
  M1 Finance is an automated investing platform offering fractional share portfolio management,
  smart money movement, margin borrowing, and integrated banking and credit features. The platform
  combines self-directed and automated investing through its Pies system, commission-free trading,
  a portfolio line of credit (M1 Borrow), high-yield cash accounts (M1 Earn), and a rewards
  credit card. M1 uses a GraphQL API gateway internally across 17+ microservices built on Scala
  and TypeScript to power its Finance Super App experience.
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.19'

tags:
  - Investing
  - Fintech
  - Fractional Shares
  - Portfolio Management
  - Robo-Advisor
  - Margin Loans
  - Banking
  - Automated Investing
  - Finance Super App
  - Wealth Management

apis:

  - aid: m1-finance:m1-invest
    name: M1 Invest
    description: >
      M1 Invest provides automated fractional share portfolio management using the Pies
      system, allowing users to set target allocations across stocks and ETFs with dynamic
      rebalancing, auto-invest, and dividend reinvestment—all commission-free.
    humanURL: https://m1.com/invest/
    baseURL: https://m1.com/
    tags:
      - Investing
      - Fractional Shares
      - Portfolio Management
      - Automated Investing
      - Rebalancing
    properties:
      - type: Documentation
        url: https://help.m1.com/en/articles/9332042-getting-started-with-m1-invest-a-quick-guide
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
      - type: RateLimits
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/rate-limits/m1-finance-rate-limits.yml
      - type: FinOps
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml

  - aid: m1-finance:m1-borrow
    name: M1 Borrow
    description: >
      M1 Borrow provides a portfolio line of credit (margin loans) allowing users to borrow
      up to 50% of their eligible brokerage portfolio value at a competitive variable rate
      that tracks the Federal Funds Rate. Available for individual, joint, and trust accounts
      with a minimum $2,000 balance.
    humanURL: https://m1.com/borrow/
    baseURL: https://m1.com/
    tags:
      - Margin Loans
      - Borrowing
      - Portfolio Line of Credit
      - Credit
    properties:
      - type: Documentation
        url: https://help.m1.com/hc/en-us/sections/360000272627-M1-Borrow
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
      - type: RateLimits
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/rate-limits/m1-finance-rate-limits.yml
      - type: FinOps
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml

  - aid: m1-finance:m1-earn
    name: M1 Earn
    description: >
      M1 Earn offers high-yield cash accounts for individuals and joint account holders
      with 3.10% APY and FDIC insurance coverage up to $4.75 million aggregate through
      program banks, providing a secure, high-return place to hold cash on the platform.
    humanURL: https://m1.com/earn/
    baseURL: https://m1.com/
    tags:
      - Banking
      - High-Yield Savings
      - Cash Management
      - FDIC
    properties:
      - type: Documentation
        url: https://help.m1.com/
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
      - type: FinOps
        url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml

common:

  - type: Website
    url: https://m1.com/

  - type: Documentation
    url: https://help.m1.com/

  - type: GitHubOrg
    url: https://github.com/m1finance

  - type: LinkedIn
    url: https://www.linkedin.com/company/m1-finance

  - type: Blog
    url: https://m1.com/blog/

  - type: Pricing
    url: https://m1.com/

  - type: StatusPage
    url: https://status.m1.com/

  - type: X
    url: https://x.com/m1finance

  - type: Plans
    url: plans/m1-finance-plans-pricing.yml

  - type: RateLimits
    url: rate-limits/m1-finance-rate-limits.yml

  - type: FinOps
    url: finops/m1-finance-finops.yml

maintainers:

  - FN: Kin Lane
    email: [email protected]