M1 Pricing in 2026
Every plan M1 publishes, with the page and date we read it from. Prices we could not find on M1's own site are left blank, never guessed.
| Plan | Price | Billing | Limits | Source |
|---|---|---|---|---|
| Platform Fee | $3 per month | 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 |
| IRA Fee | $3 per month | 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 |
| M1 Advisor | Free | Included at no additional cost through December 31, 2027 | For M1 clients · non-discretionary advice; client approves actions | m1.com |
| M1 platform | $3 per month | $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 |