Tools currently only available on web
The M1 Balance Sheet and Cash Flow tools allow you to track your complete financial picture in one place by combining your M1 accounts with your externally held assets and liabilities. Once configured, you can view and track your total net worth directly from your M1 Home screen.
Where do I find the Balance Sheet and Cash Flow tools?
You can access these tools directly from your account settings:
Go to the Settings of your M1 account.
Select the Your finances tab.
Use the top tabs to switch between Balance sheet and Cash flow.
How do I set up my Balance Sheet?
Your balance sheet summarizes everything you own (assets) and everything you owe (liabilities).
What information is prefilled by M1?
When you open the Balance sheet tab, M1 automatically includes the current value of your active M1 accounts:
Assets: M1 Earn accounts (High-Yield Cash Accounts and High-Yield Savings accounts) and M1 Invest accounts.
Liabilities: M1 Margin Loans and M1 Personal Loans (M1 Borrow).
How to add external assets
You can manually add assets held outside of M1 to complete your financial picture.
On the Balance sheet tab, click Add asset.
Choose a main asset category (see list below).
Select a subcategory, if applicable.
Enter the asset name, the holding institution, and its current estimated value.
Click Save.
Available Asset Categories:
Deposit accounts: Checking, Savings/Cash, Money Market, CD, or Physical Cash.
Investments: Retirement accounts (401k, 403b, Traditional/Roth IRAs, etc.), Brokerage accounts (Individual, Joint, Trust, Crypto), and Health accounts (HSA, FSA).
Real estate and other significant assets: Real estate, businesses, valuable collections, or other items typically valued over $5,000.
How to add external liabilities
You can manually add external debts to track what you owe.
On the Balance sheet tab, click Add liability.
Choose a main liability category (see list below).
Select a subcategory, if applicable.
Enter a name or description, the current outstanding balance, and any other requested details.
Click Save.
Available Liability Categories:
Mortgages: Primary residence, Vacation home, Rental property, or Other.
Credit cards: Add multiple cards to see a total credit card debt summary.
Other loans or debts: Student loans, Auto loans, Personal loans, or Other.
How to edit or remove manual entries
Your total assets, total liabilities, and net worth will update automatically after each change you make.
To edit an asset or liability, click the pencil icon next to the entry, update the details, and click Save.
To delete an asset or liability, click the pencil icon to open the edit view, then select the option to remove it.
How do I use the Cash Flow tool?
The Cash flow tool helps you track the money coming in and going out of your household each month.
Navigate to the Cash flow tab under Your finances.
Under Income, enter your total annual gross income before taxes (including salary, bonuses, and recurring income). Click Save.
Under Expenses, enter your current average monthly expenses (including housing, groceries, transportation, childcare, subscriptions, etc.).
Click Save.
You can update these fields at any time if your income or expenses change.
Important Considerations
Manual Updates Required: At this time, external assets and liabilities entered into the Balance Sheet do not automatically link to outside institutions. You must manually update these values to reflect current balances, market fluctuations, or paid down debts.
Market Fluctuations: The value of your M1 Invest accounts, external investment accounts, and real estate will fluctuate based on market conditions.
Margin Loan Risks: If you utilize M1 Borrow, your margin loan balance will automatically populate under liabilities.
For Informational Purposes Only: The Cash Flow and Balance Sheet tools are designed for educational and tracking purposes only. They do not constitute financial planning, tax, or investment advice.
Frequently Asked Questions (FAQs)
Do my external bank or brokerage accounts sync automatically?
At this time, external assets and liabilities are added manually. If the value of your external home, investment account, or credit card balance changes, you will need to manually edit the entry using the pencil icon to keep your total net worth accurate.
Can I view a breakdown of my assets and liabilities?
Yes. On the Balance sheet tab, you can view a "Total assets composition" and "Total liabilities composition." This provides a detailed breakdown by asset type (e.g., Deposit accounts vs. Investments vs Real estate and other significant assets) and debt type (e.g., mortgages vs. credit cards).
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
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