The Funding History feature in your M1 account lets you track all ACH deposits and withdrawals, helping you monitor your account activity over time. This guide explains how to access your funding history, interpret what each data point means, and use this information to support your personal financial recordkeeping.
What Is Funding History?
The Funding tab in your M1 account displays a year-by-year summary of your deposits and withdrawals. This helps you see how much cash you have added to or withdrawn from your M1 accounts during each calendar year.
What’s included
For taxable accounts:
All ACH (bank) deposits and withdrawals
Withdrawals via M1 Margin Loans
For retirement (IRA) accounts:
All ACH contributions and withdrawals
Shows your annual IRA contributions compared to the IRS maximum allowed for a given tax year
What’s not included
Wire transfers
Account transfers from other brokerages
Rollover checks/direct rollovers
Retirement contributions made at other financial institutions
Note: For IRA accounts, contribution limits may differ for certain situations (e.g., users over age 50). M1’s tool does not automatically reflect all IRS rules.
Review the latest official IRS guidelines for your personal contribution maximum.
How to view Funding History
Web
Log in at M1’s website
Navigate to the Invest tab.
Select the specific Portfolio
Select Funding tab
Mobile
Open the M1 app and log in.
Tap the Invest tab.
Tap the menu icon (three horizontal lines) in the upper left to open the sidebar.
Select the specific Portfolio
Select Funding tab.
How to interpret your Funding History
The graph shows yearly totals for deposits (money added) and withdrawals (money removed).
Hover (on web) or tap (on mobile) a year to see the exact dollar amounts.
For IRAs, your contributions are compared to your annual IRS contribution limit. If you contribute near or above the general limit, double-check your total across all IRAs—including those outside M1—to avoid over-contribution.
For taxable accounts, only ACH-based funding is tracked. Margin loan withdrawals are also included as withdrawals.
Exporting or downloading Funding History
As of now, M1 does not offer a direct export or download feature for the Funding History graph.
For a record, you may take screenshots or manually note the annual figures.
Using Funding History for personal recordkeeping
Tax time: Funding history helps you verify annual contribution and withdrawal totals for tax purposes.
Contribution monitoring: For IRAs, keep an eye on how close you are to contribution limits—especially if using other providers.
Personal finance: Reviewing funding patterns may help you identify saving or spending trends throughout the year.
Loan tracking: If you use M1 Margin, you can see how loans contributed to your cash flow.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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