What Is a Funded Trading Account?
A funded trading account gives you firm-supplied capital after you prove you can trade within a defined risk framework. You keep most of the profit; the firm absorbs all of the loss. This guide walks through how the model works, what passing actually requires, and how the major providers compare on the criteria that matter.
Oleh John McLaren
Jawaban singkat
A funded trading account is capital provided by a proprietary trading firm to a trader who has passed the firm's evaluation challenge. The trader keeps 70-90% of profits and never risks personal capital. The firm covers all losses up to a defined drawdown limit.
Bagaimana kami menilai perusahaan-perusahaan ini
Funded accounts come in two phases. First, the evaluation: you pay a one-time fee (typically $30-300) for access to a simulated account where you must hit a profit target without breaching a daily-loss or max-loss rule. Pass, and you graduate to the funded account, where the firm puts real capital behind your trades and pays you a profit share. Some firms refund the fee once you are funded and paid, but when (first payout or a later one) and on which programs varies by firm, as the table below shows. We compare providers below across five dimensions: entry cost, profit split, drawdown rules, scaling potential, and payout speed.
Biaya total yang sebenarnya, bukan sekadar harga yang tertera
- Entry fee
- $33
- Profit split
- 60-100%
- Time limit
- None
- Drawdown (daily / max)
- 3-5% / 6-12%
- Fee refunded
- No
- Entry fee
- $91**
- Profit split
- 80-90%
- Time limit
- None
- Drawdown (daily / max)
- 3-5% / 10%
- Fee refunded
- No
- Entry fee
- $32.99
- Profit split
- 60-95%
- Time limit
- None
- Drawdown (daily / max)
- 3-5% / 6-10%
- Fee refunded
- Yes, with 3rd reward
- Entry fee
- $32
- Profit split
- 80%, 90% or 100%
- Time limit
- None
- Drawdown (daily / max)
- 2.5% / 8%
- Fee refunded
- Never refunded
E8 Funding has the lowest entry fee at $32, with FundedNext ($32.99) and FundingPips ($33) within a dollar of it. On profit split, E8 Funding's checkout-chosen split reaches 100%, the highest day-one option here. All four firms now run their evaluations with no time limit. FundedNext is the only firm here that refunds the entry priced above, with the 3rd reward; FundingPips' and FTMO's refunds apply only to pricier programs (FundingPips' 2-Step Standard with the 4th reward, FTMO's 2-Step on the first payout), and E8 Funding's fees are never refunded under any circumstance, per its own terms. Drawdown varies by firm rather than having a single best answer. No firm on this list wins every column.
Entry fee is the lowest advertised price for each firm's smallest account. Figures come from each firm's published terms as recorded in our comparison data, most recently updated from the firms' official pages on 4 October 2026. Terms change often, so check the firm's current page before paying. **FTMO prices in euro, not dollars. We show the US-dollar equivalent so every firm in this table can be compared in one currency: EUR 79 converted at the ECB reference rate of 1 EUR = 1.154 USD on 11 August 2026. The amount FTMO actually charges is EUR 79.
Tentang panduan ini: FundedFast mengelola situs web ini. Panduan ini hanya membandingkan prop firm pihak ketiga: Challenge milik FundedFast sendiri tidak termasuk dalam peringkat, tabel, maupun rekomendasinya, dan setiap perusahaan yang tercantum dinilai dengan kriteria terbitan yang sama. Di halaman ini kami tidak memberikan skor keseluruhan tunggal kepada perusahaan mana pun: setiap perusahaan justru menerima penghargaan kategori yang spesifik dan dapat diperiksa, ditambah kelebihan dan kekurangannya. Ketentuan perusahaan sering berubah, jadi pastikan aturan terbaru setiap perusahaan di situs web resminya sebelum membeli.
Perbandingan 4 teratas: pemenang per kategori
FundingPips
Terbaik untuk: No time limit, payout cycle you chooseLow-cost entry at $33 for $5K (its 2-Step Pro, which carries no fee refund) but caps base accounts at $100K, limiting long-term scaling without its separate PRIME track.
Kelebihan- Entry from $33 for a $5K account
- No time limit on the evaluation
- Payout cycle you choose: weekly, bi-weekly, monthly or on demand
Kekurangan- $400K base allocation before its PRIME track scales further, versus FTMO's and FundedNext's flat multi-million ceilings
- Profit split depends on the payout cycle: 100% only on the monthly cycle, 60% on weekly payouts (Standard model)
- The $33 entry (2-Step Pro) carries no fee refund; only the 2-Step Standard refunds, with the 4th reward
Dari $33Bagi Hasil 60-100%Waktu Tidak adaFTMO
Terbaik untuk: Track record and trustIndustry veteran with the longest operating history and highest Trustpilot rating here, though entry starts at EUR 79 (about $91) against $32-$33 for the cheapest entries elsewhere.
Kelebihan- Longest documented operating history of any firm here, since 2015
- Highest Trustpilot rating among the firms compared here
- No time limit on either evaluation phase since 2023
Kekurangan- Most expensive entry on this list: from EUR 79 (about $91), versus $32-$33 elsewhere
- Default profit split starts at 80%; 90% requires its Scaling Plan or Premium Programme
- The EUR 79 entry priced above carries no fee refund; only FTMO's pricier 2-Step tier refunds on your first payout
Dari $91 (EUR 79)Bagi Hasil 80-90%Waktu Tidak adaFundedNext
Terbaik untuk: Highest funding ceilingAggressive scaling to $4M and payouts processed within 24 hours of approval, offset by a 21-day first payout cycle and a fee refund that only comes with the 3rd reward on its cheapest entry ($32.99, Stellar Lite).
Kelebihan- $4,000,000 maximum funding, the highest ceiling among the firms compared here
- Payouts processed within 24 hours of approval
- Also runs a free monthly trading competition
Kekurangan- First payout cycle is 21 days, then every 14 days (1-Step: every 5 business days)
- Its cheapest entry ($32.99, Stellar Lite) refunds the fee only with the 3rd reward
Dari $32.99Bagi Hasil 60-95%Waktu Tidak adaE8 Funding
Terbaik untuk: Lowest entry, split chosen at checkoutSplit chosen at checkout (80%, 90%, or 100%) and no fixed time limit, but its entry fee is never refunded, even on a pass.
Kelebihan- Lowest entry fee on this list at $32
- Choose your profit split (80%, 90%, or 100%) at purchase, fixed for the life of the account
- No time limit on its evaluation
Kekurangan- Entry fee is never refunded under any circumstance, per its own terms
- Tighter daily drawdown (2.5%) than the 3-5% the other firms here use
Dari $28Bagi Hasil 80%, 90% or 100%Waktu Tidak ada
Funded futures account vs funded forex account: which one are you looking for?
A funded trading account can mean two different products with very different mechanics, and it pays to be explicit about which one fits your strategy. Funded futures accounts (Apex Trader Funding, Topstep, Tradeify, MyFundedFutures, FundedFuturesNetwork) trade CME-listed futures contracts like ES, NQ, CL, and GC. Pricing mixes monthly subscriptions (Topstep's runs $49-$199 a month) with one-time fees (Apex Trader Funding, Tradeify), evaluations frequently include a trailing daily-loss rule, and payouts run weekly or monthly. These firms cater specifically to US day traders who already use platforms like NinjaTrader or Tradovate. Funded forex and multi-asset accounts (FTMO, FundingPips, FundedNext, E8 Funding) trade CFDs on forex pairs, indices, crypto, stocks, and metals through MT4, MT5, or MatchTrader. Pricing is a one-time evaluation fee of roughly $30-300, refunded on some programs and never at others, and the model is friendlier for traders outside the US who can't easily access CME contracts. If your strategy depends on trading ES, NQ, MES, MNQ, or CL specifically, you're looking for a funded futures firm — Topstep or Tradeify is the better starting point. If you're a forex, indices, or crypto trader, or you want all of them under one set of rules, the comparison on this page shows how the major multi-asset prop firms compare on entry cost, drawdown rules, and payout speed.
Jika hal ini tidak sesuai
A funded account is not a fit if you have not yet developed a tested, repeatable trading edge. The rules of any prop firm are designed to surface inconsistent traders quickly. It is also not a substitute for a real brokerage account if your goal is to trade your own capital long-term; profits are paid out as commission, not capital that compounds in a personal account. Finally, every firm restricts some jurisdictions, so check that your country is accepted before you pay.
Teruslah menjelajah
Pertanyaan yang Sering Diajukan
How does a funded trading account work?
You pay a one-time evaluation fee, then trade a simulated account to a profit target without breaching daily-loss or max-loss rules. Pass, and the firm assigns you a funded account where you trade firm capital and keep 70-90% of profits. The firm absorbs all losses.
Are funded trading accounts worth it?
For traders with a tested edge and disciplined risk management, yes — a funded account lets you scale faster than self-funding because the firm absorbs losses and you only risk the evaluation fee. The model is not worth it if you don't yet have a consistently profitable strategy in your own demo account, because evaluation rules are specifically designed to surface inconsistent traders quickly. Treat the fee as a one-time test of your edge against a fixed risk framework, not as a path to learning to trade.
Are funded trading accounts legit?
Established firms with multi-year track records (FTMO, FundingPips, FundedNext, Topstep, Apex) are legitimate businesses with documented payout histories on Trustpilot and trader forums. The business model — sell challenges, fund the small percentage of traders who pass, profit from evaluation fees on the rest — is publicly disclosed and legal in most jurisdictions. The risk is firm-specific: less-established firms have shut down with traders' fees and pending payouts trapped (MyFundedFX did this in February 2026). Stick with firms that have at least two years of operating history and verifiable payout proof.
How much can you make with a funded trading account?
Earnings depend on account size, profit split, and how consistently you trade. A trader running a $100K account with a 90% split who makes 5% in a month earns $4,500 before taxes. Most funded traders earn under $2,000 per payout in their first year because they trade conservatively to protect the account. Top performers scale to $400K-$4M accounts and earn five figures monthly. The firm caps the total funded capital per trader, so unlimited earnings are not the model — sustainable monthly income on a $100K-$400K account is.
How much does a funded trading account cost?
Entry fees on this page range from $32 (E8 Funding's $5K account) to well over $300 for $200K accounts. Whether and when the fee comes back varies: some firms refund it with the first payout, some only after several payouts or on pricier programs, and E8 Funding never refunds it.
What's the difference between a funded account and a prop firm?
A prop firm is the company; a funded account is the product. Traditional proprietary trading firms (Jane Street, Optiver, SIG) hire salaried traders to trade firm capital with no evaluation fee. Modern retail prop firms (FTMO, Apex, Topstep) sell evaluation challenges and fund the traders who pass — no salary, profit-share only. When people say 'funded account' today they almost always mean the retail evaluation model, not the traditional one.
Can you fail a funded account?
Yes. Breaching the daily-loss or maximum-drawdown rule terminates the account immediately — the firm does not refund the evaluation fee or pay out unrealized profits. You can also fail by being inconsistent (some firms cap how much of the profit target can come from a single trade), by exceeding lot-size limits, or by violating prohibited-strategy rules like grid trading or news-event scalping. Always read the specific rules before you start trading — most account terminations are rule violations, not market losses.
Is a funded trading account real money?
The capital is real. The firm pays you actual cash for your share of trading profits. The execution environment is typically a simulated mirror of live broker pricing rather than direct market access, since the firm absorbs your losses without exposing other traders.
What happens if I lose money on a funded account?
Up to the maximum drawdown (typically 10%), you simply continue trading. If you breach the drawdown rule, the account is terminated. You do not owe the firm anything. Only your initial evaluation fee is at risk.
How long does it take to get a funded account?
It depends on the evaluation rules. Two-phase challenges typically take 5-30 trading days per phase. Most major firms, including FundingPips and FTMO, now run their evaluations with no time limit, so you can take as long as you need. A few smaller programs still impose a deadline, so check each firm's current terms before you start.