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
  - url: graphql/m1-finance-graphql.md
    type: GraphQL
- 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: kin@apievangelist.com