Best Funded trading account software

15-year track record with $1.4B+ reported in trader payouts

Keep up to 90% of profits once funded

No free trial or money-back guarantee, and monthly billing continues until you pass

Only 16.8% of Trading Combines were completed successfully in 2025

Risk rules are published before purchase: the 1-Step program lists a 6% max loss, 3% daily loss, and a 50% daily consistency cap on its pricing page, so you can evaluate the structure before paying.

One-time entry fees ($19–$249) replace monthly subscriptions, and both programs refund your fee — High Stakes at the Funded Trader stage and 1-Step from the third payout.

The 1-Step funded stage caps payouts at $2,000 with a $250 minimum withdrawal, which limits traders running larger accounts.

The 1-Step program's 75–25% profit split is noticeably lower than the 80–100% split on the High Stakes track, and its $249 fee is steep for budget traders.

Personal downside is capped at the upfront evaluation fee — you never trade your own capital on the funded account

Two-phase evaluation filters for repeatable performance instead of a single lucky streak before you are funded

The evaluation fee is at risk regardless of outcome — most prop-firm challenge participants do not pass, so treat the fee as money you may lose

Funded accounts are simulated using virtual funds; profit splits come from virtual performance, so payouts are not guaranteed income

Published trading objectives, with a 10% profit target in the Challenge and 5% in the Verification, mean the requirements are clear before you pay anything.

The evaluation fee is refunded with your first profit split, so traders who pass effectively get their Challenge for free.

The FTMO Account is a simulated demo environment with fictitious funds, so you are never trading a personal brokerage account.

Evaluation fees are forfeited when you fail, and the strict daily and overall loss caps end a large share of attempts early.

Reward requests can be made any time you're at least 1% above your starting balance, with processing aimed at one working day — replacing the industry's typical 7–30 day payout cycle, with daily, weekly, or bi-weekly options available.

No trailing drawdown tracks your equity dips, and news trading, weekend holding, EAs, and bots are all permitted, with a swing option available on every challenge.

All trading takes place in a simulated environment with fictitious funds — you are never executing on real market capital, which matters if you expect real-market execution or slippage conditions.

Exact challenge fees are not published upfront; the homepage lists no prices, so you must go through the live configurator at signup to see your final cost (the sample $100K configuration shown is $539).

No minimum trading days — you can get funded as soon as you hit the profit target and the 30% consistency rate, instead of waiting out a required day count

Weekly withdrawals start at $100 with no extra performance targets required, and the activation fee is deducted from profits on your first withdrawal rather than charged upfront

Pricing is not published on the homepage — the exact evaluation cost only appears at checkout after you select account size, platform, and market data, making cost comparison difficult upfront

Resets cost $100 per attempt, which can add up quickly if you fail evaluations repeatedly, and refund terms are not shown at checkout

Multiple entry paths — Instant Funding, Lightning Challenges, and 1/2/3-phase evaluations — let traders choose between speed, cost, and rigor instead of forcing a single route

Customization of the trading environment is a core feature, allowing account parameters to match individual trading styles rather than a rigid one-size-fits-all setup

Instant Funding and fast-track challenges typically cost more upfront than phased evaluations, so the cheapest route requires patience and passing multiple phases

Like all prop firms, Fxify imposes rules and risk parameters on funded accounts; violating drawdown or consistency requirements can void the account and forfeit fees paid

Access to simulated accounts of up to $300,000, far beyond what most personal trading deposits would allow

A free challenge trial lets you rehearse the full evaluation before spending anything

Trading capital is simulated, and rewards depend on meeting program rules — participation is not a guaranteed income

Paid challenges require upfront fees (one-time payment or subscription), which are lost if the objectives are not met

You trade futures with a funding partner's capital rather than your own savings, removing the financial downside of a losing streak.

Evaluation criteria are explicit — a defined profit target, risk standards, and a minimum of 10 trading days (5 on Express) — so you know exactly what passing requires.

Paid plans run as high as $2,026, and repeated evaluation attempts can become expensive if you do not pass on the first try.

Hitting the profit target does not fund you instantly — the account still goes through a review process of up to three days.