Tools
Prop firm payout calculator
Advertised splits ignore the two costs that decide whether a funded account is worth it: the evaluations you failed on the way in, and tax on the way out. This models both.
Net in your pocket
$2,636
After fees, split and tax
Fee spend
$1,635
3 × $545
Break-even gross
$1,817
Profit needed to get level
Effective split
43.9%
Advertised 90%
The maths, line by line
- Gross profit (4% of $25,000 × 6 months)
- $6,000
- Your share at 90%
- $5,400
- Less evaluation fees (3 attempts)
- − $1,635
- Less tax at 30%
- − $1,130
- Net take-home
- $2,636
At 4% a month you clear your fee spend after roughly 1.8 months of trading. FTMO pays bi-weekly on demand, with a first request around 14 days after funding, so the earliest that money is actually in your bank is later than the break-even date above.
Same assumptions, every firm
Net take-home on the closest available account size, using your inputs. Pricing verified July 20, 2026.
| Firm | Size | Split | Fees | Net | Effective |
|---|---|---|---|---|---|
| Apex Trader Funding | $50,000 | 100% | $21 | $8,385 | 69.9% |
| Elite Trader Funding | $50,000 | 100% | $225 | $8,243 | 68.7% |
| Topstep | $50,000 | 90% | $60 | $7,518 | 62.6% |
| Tradeify | $50,000 | 90% | $75 | $7,508 | 62.6% |
| Funding Ticks | $50,000 | 90% | $135 | $7,466 | 62.2% |
| Lucid Trading | $50,000 | 90% | $165 | $7,445 | 62.0% |
| My Funded Futures | $50,000 | 90% | $225 | $7,403 | 61.7% |
| Alpha Futures | $50,000 | 90% | $240 | $7,392 | 61.6% |
| Take Profit Trader | $50,000 | 90% | $450 | $7,245 | 60.4% |
| Funding Pips | $25,000 | 100% | $135 | $4,106 | 68.4% |
| The5ers | $25,000 | 100% | $180 | $4,074 | 67.9% |
| E8 Markets | $25,000 | 100% | $282 | $4,003 | 66.7% |
| Goat Funded Trader | $25,000 | 95% | $150 | $3,885 | 64.8% |
| FXIFY | $25,000 | 90% | $162 | $3,667 | 61.1% |
| Breakout | $25,000 | 90% | $225 | $3,623 | 60.4% |
| The Edge Funder | $25,000 | 90% | $225 | $3,623 | 60.4% |
| Blueberry Funded | $25,000 | 90% | $285 | $3,581 | 59.7% |
| The Funded Trader | $25,000 | 90% | $285 | $3,581 | 59.7% |
| Alpha Capital Group | $25,000 | 90% | $465 | $3,455 | 57.6% |
| FundedNext | $25,000 | 95% | $1,284 | $3,091 | 51.5% |
| FunderPro | $25,000 | 90% | $1,515 | $2,720 | 45.3% |
| FTMO | $25,000 | 90% | $1,635 | $2,636 | 43.9% |
The profit split is the most advertised number in this industry and the least useful one. It describes how a pool of money is divided at the moment of withdrawal, and says nothing about how much money reaches that pool, how many attempts it took to get there, or what is left after the tax authority takes its share. Two firms with identical 90% splits can differ by thousands of dollars a year in what actually lands in your account.
Fee drag is the first hidden cost. Every evaluation you buy and fail is a sunk cost against future payouts, and because pass rates are low the realistic planning assumption is several attempts per funded account, not one. The calculator expresses that as break-even gross profit — the amount you must earn on the funded account purely to get back to zero — which is a far more honest framing than a percentage split.
Cadence is the second. Money you cannot withdraw is money at risk of a rule change, an account review or, in the worst documented cases, a payment freeze. A firm paying weekly at an 80% split moves your capital out of counterparty risk twice as fast as a firm paying fortnightly at 90%, and our complaints register shows that the balances that never got paid were almost always balances that had been allowed to accumulate.
Tax is the third, and the one traders most often discover after the fact. Prop payouts are generally treated as self-employment or business income rather than capital gains, which usually means a higher rate and, in many countries, self-assessment obligations with no withholding at source. Setting a realistic effective rate here is the difference between a plan and a surprise.
How the calculator works
- ·Account pricing comes from our offers dataset, which models each firm's published entry price across its size ladder using sub-linear scaling.
- ·The discount toggle applies the lower bound of each firm's current public code, so savings are never overstated.
- ·Gross profit is your chosen monthly return applied to the account size, compounded to zero — withdrawals are assumed, not reinvested.
- ·Fee spend is the number of evaluations bought per successful pass, which is the honest way to price a low pass-rate product.
- ·Tax is applied to profit after fees, at the effective rate you set. It is a planning estimate, not advice for your jurisdiction.
- ·Payout cadence and first-payout timing are shown alongside the result because they determine when the money is actually yours.
Illustrative modelling, not a forecast or financial advice. Confirm current pricing and rules on the firm's own site before purchasing.
FAQ
- How much do you actually keep from a prop firm payout?
- Less than the advertised split. On a 90% split you keep 90% of the withdrawn profit, but the real number nets off the evaluation fees you paid on accounts that failed, any activation or reset fees, payment processor charges, and income tax in your country. A trader passing one account in three at a $300 fee is effectively down $600 before the first withdrawal clears.
- What is a realistic pass rate for a prop firm evaluation?
- Firms that publish data typically report high single digits to low teens for traders who pass an evaluation, and a smaller share who ever reach a payout. The calculator defaults to one pass in three because that is a reasonable planning assumption for an experienced trader with a tested strategy — set it to one in five or one in ten to see how quickly fee drag consumes the split advantage.
- Does a higher profit split mean more money?
- Usually not by itself. Moving from 80% to 90% adds 12.5% to net profit, but a firm with a two-week payout cycle instead of a same-day one, or an intraday trailing drawdown instead of a static one, will cost you more than the split gains. Model cost and cadence first, split second.
- Do you pay tax on prop firm payouts?
- In almost every jurisdiction, yes. Payouts are usually contractor or business income rather than capital gains, because you are paid a share of simulated performance, not a return on your own invested capital. The calculator lets you set an effective rate; our tax guide covers the treatment in detail.
- How is the break-even number calculated?
- Total fee spend divided by your profit split, expressed as the gross profit you must generate on the funded account before you are level. If you spent $900 on evaluations to pass one 90% account, you need $1,000 of withdrawn gross profit before you have made a single dollar.