M1 Pricing in 2026
4 plans, paid from $3, and a free plan.
Platform Fee
Billed 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
IRA Fee
Billed 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
M1 Advisor
Billed Included at no additional cost through December 31, 2027
For M1 clients · non-discretionary advice; client approves actions
M1 platform
Billed $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
From $3/mo Read from M1's pricing page on 20 Sept 2026.
What the alternatives cost
| Product | Free | Paid from |
|---|---|---|
| PocketSmith | Free plan | $119.88 |
| SoFi | Free plan | $10 |
| Budgero | Free plan | $35 |
| Settle Up | Free plan | $3.99 |
| AceMoney | Free plan | $7.99 |
| dLedger | Free plan | $12 |