Investing comparison
M1 vs Stash
Updated
Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
M1 and Stash are both investing apps. M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts, while The Stash Plan costs $12 a month, or $108 billed annually. We checked both on Oct 24, 2026, and the official sources differ on 6 of the 10 rows in the table below.
M1 vs Stash at a glance
M1 and Stash are both investing apps. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 6 of the 10 rows in the table below.
Management or subscription fee
M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform. The Stash Plan costs $12 a month, or $108 billed annually. Stash also charges a 0.25% annual advisory fee on Smart Portfolios with balances of $1,000 or more and on Managed Retirement Accounts. We checked both on Oct 24, 2026.
Account minimum
Stash's pricing page says: No minimums. No hidden fees. We haven't verified this for M1 yet, so check the official site for M1 before you decide. We checked Stash on Oct 24, 2026.
Stock and ETF commissions
M1 Finance LLC doesn't charge commission, trading or management fees for self-directed brokerage accounts. We haven't verified this for Stash yet, so check the official site for Stash before you decide. We checked M1 on Oct 24, 2026.
Account types
M1 lists these account types: Individual, Joint, Custodial, Traditional IRA, Roth IRA, SEP IRA and Trust. Stash lists these account types: Brokerage, Retirement and Custodial accounts for kids. We checked both on Oct 24, 2026.
Fractional shares
M1 says fractional shares let you build your portfolio to your exact percentages, from 6,000+ U.S.-listed stocks and ETFs. Stash says you can invest in fractional shares with $5 or less, from thousands of stocks and ETFs. We checked both on Oct 24, 2026.
Automatic investing
M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing. We haven't verified this for Stash yet, so check the official site for Stash before you decide. We checked M1 on Oct 24, 2026.
Managed portfolios (robo)
M1 says you can build your portfolio yourself or let M1 Advisor help you decide. Advisory services come from M1 Advisory Services, LLC. Stash says you can let its investing team manage a diversified portfolio for you (a Smart Portfolio). We checked both on Oct 24, 2026.
Protection
M1 Finance LLC is a member of SIPC, which protects the securities and cash in your brokerage accounts up to $500,000 (including up to $250,000 in cash) if the firm were to fail. Stash's security page says Apex Clearing Corporation is a member of SIPC, so the investments in your account are protected up to $500,000 total (including $250,000 for claims for cash). We checked both on Oct 24, 2026.
Platforms
M1 lists iOS and Android. We haven't verified this for Stash yet, so check the official site for Stash before you decide. We checked M1 on Oct 24, 2026.
App store rating
M1 has 4.7 out of 5 on the App Store from 75,216 ratings. Stash has 4.7 out of 5 on the App Store from 311,480 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
M1M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform.
As of · m1.com
Stash$12a month
The Stash Plan costs $12 a month, or $108 billed annually.
As of · stash.com/pricing
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.
At a glance
App Store rating
- M1
- 4.775,216 ratings
- Stash
- 4.7311,480 ratings
Source
- M1 has 4.7 out of 5 on the App Store from 75,216 ratings. App Store listing, as of Oct 24, 2026.
- Stash has 4.7 out of 5 on the App Store from 311,480 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- M1
- iOS
- Android
- Stash
- Not verified yet
Source
- M1 lists iOS and Android. m1.com, as of Oct 24, 2026.
- Stash: Not verified yet.
Account minimum
- M1
- Not verified yet
- Stash
- Stash's pricing page says: No minimums. No hidden fees.
Source
- M1: Not verified yet.
- Stash's pricing page says: No minimums. No hidden fees. stash.com/pricing, as of Oct 24, 2026.
Stock and ETF commissions
- M1
- M1 Finance LLC doesn't charge commission, trading or management fees for self-directed brokerage accounts.
- Stash
- Not verified yet
Source
- M1 Finance LLC doesn't charge commission, trading or management fees for self-directed brokerage accounts. m1.com, as of Oct 24, 2026.
- Stash: Not verified yet.
Protection
- M1
- M1 Finance LLC is a member of SIPC, which protects the securities and cash in your brokerage accounts up to $500,000 (including up to $250,000 in cash) if the firm were to fail.
- Stash
- Stash's security page says Apex Clearing Corporation is a member of SIPC, so the investments in your account are protected up to $500,000 total (including $250,000 for claims for cash).
Source
- M1 Finance LLC is a member of SIPC, which protects the securities and cash in your brokerage accounts up to $500,000 (including up to $250,000 in cash) if the firm were to fail. m1.com, as of Oct 24, 2026.
- Stash's security page says Apex Clearing Corporation is a member of SIPC, so the investments in your account are protected up to $500,000 total (including $250,000 for claims for cash). stash.com/security, as of Oct 24, 2026.
Features
We haven't verified a feature list for either app yet, so this grid is empty for now.
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Other screens
M1
App Store marketing imageApp Store image 1 of 4 from the M1 listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the M1 listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the M1 listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the M1 listing.App Store listing, as of
Stash
App Store marketing imageApp Store image 1 of 4 from the Stash listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Stash listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Stash listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Stash listing.App Store listing, as of
M1 and Stash, side by side
Rows marked “Differs” are where the official sources say different things, and 6 rows do here.
Swipe the table sideways to see both apps.
| Field | M1Investing appM1 is an investing app where your portfolio is a Pie of stocks and ETFs you choose, with automation and retirement and custodial accounts.Visit M1's site | StashInvesting appStash is a subscription investing app with brokerage, retirement and custodial accounts, fractional shares and managed Smart Portfolios.Visit Stash's site |
|---|---|---|
| Management or subscription feeDiffers | M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform.As of Oct 24, 2026. Source: m1.com | The Stash Plan costs $12 a month, or $108 billed annually. Stash also charges a 0.25% annual advisory fee on Smart Portfolios with balances of $1,000 or more and on Managed Retirement Accounts.As of Oct 24, 2026. Source: stash.com/pricing |
| Account minimum | Not verified yet. | Stash's pricing page says: No minimums. No hidden fees.As of Oct 24, 2026. Source: stash.com/pricing |
| Stock and ETF commissions | M1 Finance LLC doesn't charge commission, trading or management fees for self-directed brokerage accounts.As of Oct 24, 2026. Source: m1.com | Not verified yet. |
| Account typesDiffers | M1 lists these account types: Individual, Joint, Custodial, Traditional IRA, Roth IRA, SEP IRA and Trust.As of Oct 24, 2026. Source: m1.com | Stash lists these account types: Brokerage, Retirement and Custodial accounts for kids.Also named on another official page: Traditional IRA, Roth IRA.As of Oct 24, 2026. Source: stash.com/retireAs of Oct 24, 2026. Source: stash.com/pricing |
| Fractional sharesDiffers | M1 says fractional shares let you build your portfolio to your exact percentages, from 6,000+ U.S.-listed stocks and ETFs.As of Oct 24, 2026. Source: m1.com | Stash says you can invest in fractional shares with $5 or less, from thousands of stocks and ETFs.As of Oct 24, 2026. Source: stash.com/pricing |
| Automatic investing | M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing.As of Oct 24, 2026. Source: m1.com/invest/automated-investing | Not verified yet. |
| Managed portfolios (robo)Differs | M1 says you can build your portfolio yourself or let M1 Advisor help you decide. Advisory services come from M1 Advisory Services, LLC.As of Oct 24, 2026. Source: m1.com | Stash says you can let its investing team manage a diversified portfolio for you (a Smart Portfolio).As of Oct 24, 2026. Source: stash.com/pricing |
| ProtectionDiffers | M1 Finance LLC is a member of SIPC, which protects the securities and cash in your brokerage accounts up to $500,000 (including up to $250,000 in cash) if the firm were to fail.As of Oct 24, 2026. Source: m1.com | Stash's security page says Apex Clearing Corporation is a member of SIPC, so the investments in your account are protected up to $500,000 total (including $250,000 for claims for cash).As of Oct 24, 2026. Source: stash.com/security |
| Platforms | M1 lists iOS and Android.As of Oct 24, 2026. Source: m1.com | Not verified yet. |
| App store ratingDiffers | M1 has 4.7 out of 5 on the App Store from 75,216 ratings.As of Oct 24, 2026. Source: App Store listing | Stash has 4.7 out of 5 on the App Store from 311,480 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
M1
Not verified yet
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither M1 nor Stash feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does M1 charge?
M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform. We checked this on Oct 24, 2026.
How much does Stash charge?
The Stash Plan costs $12 a month, or $108 billed annually. Stash also charges a 0.25% annual advisory fee on Smart Portfolios with balances of $1,000 or more and on Managed Retirement Accounts. We checked this on Oct 24, 2026.
What is M1's app store rating?
M1 has 4.7 out of 5 on the App Store from 75,216 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What is Stash's app store rating?
Stash has 4.7 out of 5 on the App Store from 311,480 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See M1 alternatives, closest category first.
- See Stash alternatives, closest category first.
- Browse our guide to the low-cost brokerage accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 4 of 20 facts
M19 of 10 verified, 1 not verified yet, last checked Oct 24, 2026
- Management or subscription feem1.com, as of Oct 24, 2026
- Account minimumNot verified yet
- Stock and ETF commissionsm1.com, as of Oct 24, 2026
- Account typesm1.com, as of Oct 24, 2026
- Fractional sharesm1.com, as of Oct 24, 2026
- Automatic investingm1.com/invest/automated-investing, as of Oct 24, 2026
- Managed portfolios (robo)m1.com, as of Oct 24, 2026
- Protectionm1.com, as of Oct 24, 2026
- Platformsm1.com, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Stash7 of 10 verified, 3 not verified yet, last checked Oct 24, 2026
- Management or subscription feestash.com/pricing, as of Oct 24, 2026
- Account minimumstash.com/pricing, as of Oct 24, 2026
- Stock and ETF commissionsNot verified yet
- Account typesstash.com/pricing, as of Oct 24, 2026
- Fractional sharesstash.com/pricing, as of Oct 24, 2026
- Automatic investingNot verified yet
- Managed portfolios (robo)stash.com/pricing, as of Oct 24, 2026
- Protectionstash.com/security, as of Oct 24, 2026
- PlatformsNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
- Reference: sipc.org/for-investors/what-sipc-protects, checked Oct 24, 2026.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
