Head to head
FXIFY vs FTMO
Broker-backed execution and add-ons against the safest default.
| Metric | FXIFY | FTMO |
|---|---|---|
| Trust score | 80/100 | 94/100 |
| Profit split | 90% | 90% |
| Entry price | $39 | $345 |
| Evaluation | 1-step | 2-step |
| Drawdown | Static | Static |
| First payout | 14 days | 14 days |
| Max allocation | $400k | $400k |
| Founded | 2023 | 2015 |
Our verdict
FXIFY routes through FXPIG for real STP fills and lets you configure phases, leverage and payout timing — but the 90% split and faster payouts are paid add-ons, so price the loaded account, not the $39 headline. FTMO includes the 90% split, refunds the fee on your first payout and has a decade of uninterrupted history.
Drawdown mechanics: the rule that decides the account
FXIFY runs static drawdown — measured from the starting balance and never trailing your equity — once you are in profit the whole buffer stays yours. FTMO runs static drawdown — measured from the starting balance and never trailing your equity — once you are in profit the whole buffer stays yours. This single difference decides more accounts than the profit split does, because it changes how much of an open winner you are allowed to give back before the account closes.
Because both firms use the same model, the deciding factor moves to the daily and consistency layer: FXIFY applies applies on selected plans — check before purchase, FTMO applies none on the evaluation. Where the drawdown mechanics match, the consistency rule is what usually gates the first withdrawal.
12-month cost of ownership
Sticker price is the wrong comparison unit, because almost nobody passes on the first attempt. Modelled over a realistic first year — FXIFY at $39 entry: $39 for one pass, $78 at two attempts, $117 at three; FTMO at $345 entry: $345 for one pass, $690 at two attempts, $1,035 at three — FXIFY is roughly 8.8x cheaper per attempt than FTMO. Over three attempts that gap compounds to $918.
Two adjustments matter on top of that. Futures-style firms typically bill the funded account monthly or charge an activation fee, so a year of ownership adds cost after you pass, while most forex-style evaluation firms charge once and several refund the fee with the first payout. And allocation is not equal: FXIFY scales to $400k against $400k at FTMO, so cost per dollar of eventual buying power can invert the ranking above.
Net of all that, the practical read is simple. If you are still proving a strategy, the cheaper per-attempt firm is the rational place to burn attempts. If you are already consistent, pay up for the firm whose payout record and allocation ceiling you actually intend to use.
Payout speed and payout evidence
FXIFY allows a first withdrawal around day 14 and pays bi-weekly (day-one eligibility on some plans); FTMO allows it around day 14 and pays bi-weekly on demand. Timing is effectively identical, so the deciding factor is evidence quality rather than speed.
Speed without evidence is worthless, so weigh it against how well each firm's payouts are documented: FXIFY scores 83/100 on our payout-evidence metric and FTMO scores 96/100, feeding trust scores of 80 and 94 respectively. The gap between a fast-paying firm with thin public evidence and a slower one with years of verifiable payout history is the single largest risk you carry in this category.
Also check the withdrawal gate, not just the calendar. FXIFY applies applies on selected plans — check before purchase and FTMO applies none on the evaluation — a consistency cap can hold back a large winning week regardless of how often the firm says it pays.
Rulebooks side by side
FXIFY
- 10% maximum drawdown, 4% daily loss limit. Consistent across the evaluation paths. The daily limit includes floating losses, so an open position through a news print can breach you before the trade closes. Verify whether your specific product uses static or trailing max drawdown at purchase — FXIFY has run both.
- No time limit on evaluations. None of the evaluation paths run a countdown clock, which removes the single biggest cause of forced over-trading. A 3-phase path with roughly 5% targets per phase is a genuinely low-stress route for a newer trader.
- Permissive strategy rules. EAs, grid and martingale are allowed within limits — unusual in a category that bans automation by default. That, plus 300+ instruments including stock and crypto CFDs, is why systematic traders end up here.
- Add-ons change your rulebook. Leverage, split, payout frequency and drawdown protection are all purchasable modifiers. Two FXIFY traders can be operating under materially different rules on the same account size, so generic reviews of the FXIFY rules are unreliable — read your own order confirmation.
FTMO
- Static maximum loss. Your drawdown is measured from the initial balance and does not trail your equity high. Once you are up 8% on a 10% buffer, that entire cushion stays yours — the opposite of the trailing models used across futures.
- 5% daily loss limit. Calculated on the higher of balance or equity at the daily reset, and it includes floating losses on open positions. Most FTMO failures are daily-limit breaches from holding a loser through a news print, not blown maximum drawdown.
- News and weekend rules. The standard FTMO Challenge allows news trading and weekend holding; the Swing account exists specifically to remove restrictions on both. Check which product you bought before an NFP release.