Acorns$3/month (Bronze), $5/month (Silver), $9/month (Gold)
- Published fee
- $3/month (Bronze), $5/month (Silver), $9/month (Gold)
- Minimum deposit
- 0 $
Broker comparison
Acorns vs.
M1 Finance
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonAcorns
M1 FinanceVS
Summary
Your goal decides.
M1 Finance has a higher rating of 4.2/5 compared to Acorns (3.8/5). The minimum deposit is lower at Acorns with 0 $. Acorns has been in the market since 2012, making it the more experienced provider.
AcornsMicro-investing app: automatically invest spare change and save
M1 FinanceUS neobroker with pie investing, credit line and high-yield account
At a glance
The key differences
| Criterion | Acorns | M1 Finance |
|---|---|---|
| Platforms | Acorns App | M1 Finance Web, M1 Finance App |
| Product types | ETF Portfolios, Individual Stocks, Bonds, Bitcoin ETF | US Stocks, ETFs, Fractional Shares, Crypto |
| Options trading | No | No |
| Fee model | $3/month (Bronze), $5/month (Silver), $9/month (Gold) | $0 commission, M1 Plus $125/year for premium features |
| Minimum deposit | 0 $ | 100 $ |
| Regulation | SEC/FINRA | SEC/FINRA |
| More information | Details | Details |
Platforms
Acorns
Acorns App
M1 Finance
M1 Finance Web, M1 Finance App
Product types
Acorns
ETF Portfolios, Individual Stocks, Bonds, Bitcoin ETF
M1 Finance
US Stocks, ETFs, Fractional Shares, Crypto
Options trading
Acorns
No
M1 Finance
No
Fee model
Acorns
$3/month (Bronze), $5/month (Silver), $9/month (Gold)
M1 Finance
$0 commission, M1 Plus $125/year for premium features
Minimum deposit
Acorns
0 $
M1 Finance
100 $
Regulation
Acorns
SEC/FINRA
M1 Finance
SEC/FINRA
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
AcornsM1 Finance$0 commission, M1 Plus $125/year for premium features
- Published fee
- $0 commission, M1 Plus $125/year for premium features
- Minimum deposit
- 100 $
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
AcornsCheck the provider’s execution policy and available order types for your account.
Provider informationM1 FinanceCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
AcornsETF PortfoliosIndividual StocksBondsBitcoin ETF
M1 FinanceUS StocksETFsFractional SharesCrypto
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
AcornsAcorns App
Acorns is exclusively available as a mobile app and designed for maximum simplicity. The app displays portfolio growth, round-up activity, and asset allocation in a clear interface. Users can make additional deposits with a few taps, set up recurring investments, and navigate between the various Acorns products (Invest, Later, Early, Checking).
Explore platformM1 FinanceM1 Finance Web · M1 Finance App
M1 Finance offers a web platform and mobile app with the unique pie investing interface. The interface enables visual creation and management of portfolios as "pies," automatic rebalancing, and management of M1 Borrow and M1 Spend. The dashboard shows an overview of investments, credit line, and account balances. Charting tools are basic, as the focus is on long-term investing.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
AcornsMicro-investing app: automatically invest spare change and save
- Round-up feature invests spare change automatically
- Ideal for beginners and passive investing
- Integrated retirement planning and kids accounts
- Monthly fees relatively high for small portfolios
- Very limited investment options
M1 FinanceUS neobroker with pie investing, credit line and high-yield account
- Unique pie investing for automated portfolio
- Commission-free stock and ETF trading
- Integrated credit line (M1 Borrow) at low rates
- Only one trading window per day (Standard)
- No advanced trading tools
Find the broker that fits
Acorns oder M1 Finance?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
Your questions
Frequently asked questions
How do fees differ between Acorns and M1 Finance?
Acorns: $3/month (Bronze), $5/month (Silver), $9/month (Gold). M1 Finance: $0 commission, M1 Plus $125/year for premium features. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Acorns or M1 Finance?
Acorns offers ETF Portfolios, Individual Stocks, Bonds, Bitcoin ETF. M1 Finance offers US Stocks, ETFs, Fractional Shares, Crypto.
How are Acorns and M1 Finance regulated?
The broker profiles list SEC/FINRA for Acorns and SEC/FINRA for M1 Finance. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Acorns or M1 Finance better for beginners?
Acorns lists a 0 $ minimum deposit and offers Acorns App. M1 Finance lists 100 $ and offers M1 Finance Web, M1 Finance App. Compare usability, available products and costs for your intended use.
Acorns vs M1 Finance: Which broker is better overall?
The choice between Acorns (3.8/5, 1500 reviews) and M1 Finance (4.2/5, 1200 reviews) depends on your needs. Acorns: Micro-investing app: automatically invest spare change and save. M1 Finance: US neobroker with pie investing, credit line and high-yield account.
Your next step
Your next step
AcornsMicro-investing app: automatically invest spare change and save
Open accountRead reviewM1 FinanceUS neobroker with pie investing, credit line and high-yield account
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.