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Monitoring

Prop firm health monitor

The signals that precede a payout problem, tracked per firm: payout evidence, rule stability, operating history and open cases in our complaints register.

Stable
2
Watch
12
Caution
5
Avoid large balances
3

A prop firm does not usually fail without warning — it fails after a sequence of observable changes. Payout cadence quietly lengthens. A consistency clause appears where there was none. Discounting turns permanent because fee income is funding current obligations. Rules start moving on accounts that are already funded. By the time a freeze is announced, those signals have usually been visible for months to anyone diffing the terms pages.

This monitor tracks that sequence. It is deliberately not a review score: a firm can have excellent pricing, a 95% split and a great platform and still sit on our caution list, because none of those things predicts whether the withdrawal clears. What predicts it is evidence of past payouts, stability of the rules governing future ones, and how many documented cases are currently open and unanswered.

The open-case count is queried live from our complaints register, so a firm that starts accumulating unresolved cases shows it here before it shows anywhere else. Everything else refreshes on the monthly data pass. Ratings are capped, not just scored: any firm that has applied a trader-negative rule change to live funded accounts cannot rate better than Caution, whatever its other numbers say.

How the health score works

  • ·Payout evidence contributes 50% — published totals and verifiable withdrawal records beat marketing claims.
  • ·Our composite trust score contributes 40%, covering complaint outcomes, cadence reliability and transparency.
  • ·Operating history adds up to 10 points, weighted toward firms that traded through a volatility event.
  • ·Documented trader-negative rule changes subtract 4 points each, or 10 when applied retroactively to funded accounts.
  • ·A retroactive trader-negative change caps the rating at Caution regardless of the numeric score.
  • ·Open, unresolved cases in our complaints register are shown live next to each firm and feed the next trust-score revision.

We earn affiliate commission from most firms listed. Scoring inputs are published above so any rating on this page can be independently reconstructed.

Stable

Multi-year payout record, no retroactive rule changes on live accounts, no unresolved payout cases. Suitable for your largest allocation.

Watch

Paying reliably, but one input is thin — usually operating history or published evidence. Fine as a primary account with regular withdrawals.

Caution

Payouts are happening, but there is a live signal we are tracking: a retroactive change, rule opacity or a young record. Keep balances small.

Avoid large balances

A documented payout interruption or unresolved case volume. Trade it only with money you would write off, and withdraw every cycle.

Every firm we monitor

Ranked by health score. Verified July 20, 2026; open cases are live.

  • Topstep

    Stable
    93/100

    Topstep clears every input we monitor: 93/100 on payout evidence, 14 years of continuous operation and no trader-negative rule changes applied to live accounts. This is where a large allocation belongs.

    Payout evidence
    93/100 — published payout data with a verifiable denominator.
    Operating history
    14 years trading, through at least one full volatility cycle.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    Weekly, first request around 7 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Recent improvements
    Express Funded stage removed from the path to a payout.
    Full reviewPayout proof

  • The5ers

    Stable
    88/100

    The5ers clears every input we monitor: 87/100 on payout evidence, 10 years of continuous operation and no trader-negative rule changes applied to live accounts. This is where a large allocation belongs.

    Payout evidence
    87/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    10 years trading, through at least one full volatility cycle.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • FTMO

    Caution
    86/100

    FTMO is on our caution list. Either a rule has moved against live accounts, the record is short at 11 years, or the published evidence is community-sourced. Keep the balance small and the withdrawals frequent.

    Payout evidence
    96/100 — published payout data with a verifiable denominator.
    Operating history
    11 years trading, through at least one full volatility cycle.
    Rule stability
    1 trader-negative change applied to live accounts. Retroactive changes are our strongest leading indicator of payout friction.
    Payout speed
    Bi-weekly on demand, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Alpha Capital Group

    Watch
    81/100

    Alpha Capital Group is paying and behaving, but one input is thin — usually published evidence or history at 6 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    83/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    6 years trading, through at least one full volatility cycle.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Take Profit Trader

    Watch
    80/100

    Take Profit Trader is paying and behaving, but one input is thin — usually published evidence or history at 4 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    85/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    4 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    On demand, 5-day minimum, first request around 5 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Recent improvements
    First withdrawal available after five winning days.
    Full reviewPayout proof

  • FundedNext

    Watch
    79/100

    FundedNext is paying and behaving, but one input is thin — usually published evidence or history at 4 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    84/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    4 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, on-demand after first, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • My Funded Futures

    Watch
    79/100

    My Funded Futures is paying and behaving, but one input is thin — usually published evidence or history at 3 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    86/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Every 5 winning days (Core/Scale), first request around 5 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Full reviewPayout proof

  • Alpha Futures

    Watch
    79/100

    Alpha Futures is paying and behaving, but one input is thin — usually published evidence or history at 3 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    86/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    Weekly on Advanced/Zero, bi-weekly on Standard, first request around 7 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Recent improvements
    Trailing drawdown calculated on closing balance, not intraday equity.
    Full reviewPayout proof

  • Apex Trader Funding

    Watch
    78/100

    Apex Trader Funding is paying and behaving, but one input is thin — usually published evidence or history at 5 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    88/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    5 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    2 documented changes, none applied retroactively against traders.
    Payout speed
    Twice per month, first request around 8 days after funding.
    Drawdown model
    Intraday trailing — unrealised equity highs permanently raise the stop-out level.
    Full reviewPayout proof

  • Funding Pips

    Watch
    77/100

    Funding Pips is paying and behaving, but one input is thin — usually published evidence or history at 4 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    81/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    4 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Every 5 days, first request around 5 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Blueberry Funded

    Watch
    77/100

    Blueberry Funded is paying and behaving, but one input is thin — usually published evidence or history at 3 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    82/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • E8 Markets

    Watch
    76/100

    E8 Markets is paying and behaving, but one input is thin — usually published evidence or history at 5 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    80/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    5 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Every 7 days, first request around 7 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • FXIFY

    Watch
    76/100

    FXIFY is paying and behaving, but one input is thin — usually published evidence or history at 3 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    83/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    Bi-weekly (day-one eligibility on some plans), first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Tradeify

    Watch
    73/100

    Tradeify is paying and behaving, but one input is thin — usually published evidence or history at 3 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    79/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    Bi-weekly, first request around 10 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Recent improvements
    Activation fee dropped from the funded account.
    Full reviewPayout proof

  • Elite Trader Funding

    Watch
    73/100

    Elite Trader Funding is paying and behaving, but one input is thin — usually published evidence or history at 4 years. Run it as a primary account and withdraw on every eligible cycle rather than accumulating.

    Payout evidence
    78/100 — consistent documented withdrawals, thinner published totals.
    Operating history
    4 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Weekly, processed Wednesdays, first request around 7 days after funding.
    Drawdown model
    Intraday trailing — unrealised equity highs permanently raise the stop-out level.
    Full reviewPayout proof

  • Breakout

    Caution
    69/100

    Breakout is on our caution list. Either a rule has moved against live accounts, the record is short at 3 years, or the published evidence is community-sourced. Keep the balance small and the withdrawals frequent.

    Payout evidence
    74/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Lucid Trading

    Caution
    68/100

    Lucid Trading is on our caution list. Either a rule has moved against live accounts, the record is short at 3 years, or the published evidence is community-sourced. Keep the balance small and the withdrawals frequent.

    Payout evidence
    74/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • FunderPro

    Caution
    66/100

    FunderPro is on our caution list. Either a rule has moved against live accounts, the record is short at 3 years, or the published evidence is community-sourced. Keep the balance small and the withdrawals frequent.

    Payout evidence
    72/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly (daily rewards on Pro), first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Goat Funded Trader

    Caution
    65/100

    Goat Funded Trader is on our caution list. Either a rule has moved against live accounts, the record is short at 3 years, or the published evidence is community-sourced. Keep the balance small and the withdrawals frequent.

    Payout evidence
    76/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 documented change, none applied retroactively against traders.
    Payout speed
    Bi-weekly, weekly on selected plans, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • The Edge Funder

    Avoid large balances
    61/100

    The Edge Funder carries a documented payout interruption or unresolved case volume in our register. Withdrawals are going out now, but the demonstrated failure mode means this should never hold your main balance.

    Payout evidence
    66/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    3 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    No rule changes documented in our tracking window.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

  • Funding Ticks

    Avoid large balances
    54/100

    Funding Ticks carries a documented payout interruption or unresolved case volume in our register. Withdrawals are going out now, but the demonstrated failure mode means this should never hold your main balance.

    Payout evidence
    71/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    2 years trading. No record through a market shock yet.
    Rule stability
    1 trader-negative change applied to live accounts. Retroactive changes are our strongest leading indicator of payout friction.
    Payout speed
    On-demand after 5 winning days, first request around 5 days after funding.
    Drawdown model
    End-of-day trailing — recalculated on closing balance, not intraday peaks.
    Full reviewPayout proof

  • The Funded Trader

    Avoid large balances
    48/100

    The Funded Trader carries a documented payout interruption or unresolved case volume in our register. Withdrawals are going out now, but the demonstrated failure mode means this should never hold your main balance.

    Payout evidence
    62/100 — withdrawals are community-evidenced rather than firm-published.
    Operating history
    5 years trading — enough for a pattern, not enough for a stress test.
    Rule stability
    1 trader-negative change applied to live accounts. Retroactive changes are our strongest leading indicator of payout friction.
    Payout speed
    Bi-weekly, first request around 14 days after funding.
    Drawdown model
    Static maximum loss — profit becomes permanent buffer.
    Full reviewPayout proof

The five warning signs we watch for

  • Cadence drift: withdrawals that used to clear in two days now clear in six, with no announcement. This is the earliest observable sign of stress on the firm's own book.
  • Retroactive rule edits: a consistency cap, withdrawal window or drawdown calculation changed on accounts that were already funded.
  • Permanent discounting: a firm whose 'limited' promotion never ends is usually funding today's obligations with tomorrow's fee income.
  • Support silence on specifics: refusals that never cite a clause. Firms that are solvent quote the rulebook; firms that are not stay vague.
  • Sudden allocation generosity: large free upgrades and giveaway accounts appearing at a firm with thin payout evidence increases the payout liability without increasing hedged flow.

FAQ

What is a prop firm health monitor?
A continuously updated risk read on each firm, built from the signals that historically precede payout problems: how well payouts are evidenced, whether rules have been changed against live accounts, how long the firm has operated, and how many payout cases against it are open and unresolved.
How is the health score calculated?
Payout evidence contributes 50%, our overall trust score 40%, operating history adds up to 10 points, and documented trader-negative rule changes subtract — doubled when the change was applied retroactively to funded accounts. Any firm with a retroactive trader-negative change is capped at Caution regardless of score.
Does a 'Stable' rating mean my money is safe?
No. Prop firms are unregulated, hold no client-money protection and can change from stable to non-paying faster than any monitor updates. Stable means every leading indicator we can observe is clean today. Withdraw on every eligible cycle regardless of rating.
Where does the open-complaints number come from?
Our own payout complaints register. Anyone can file a documented case with evidence; we verify it, contact the firm and publish the response. The count on this page is live — it reflects cases that are currently open rather than a historical total.
Can a firm pay to change its rating?
No. We earn affiliate commission from most firms listed here and the scoring inputs are published in full precisely so any rating can be checked against them. A firm that improves its rating does so by publishing payout data or by not changing rules against funded traders.
How often does the monitor update?
Static signals refresh on every data pass — currently monthly, last verified 2026-07-20. The open-complaints figure is queried live each time the page loads.
Rule change trackerPayout Transparency IndexFile a payout case