The Funded Trader account sizes & per-size rules

The full The Funded Trader size ladder

Prop pricing scales sub-linearly with account size — roughly the square root of the size ratio — so the biggest account is almost never the best value per dollar of usable buffer. Each line below shows the modelled list price, the first-phase profit target and the loss buffer expressed as a percentage of the account.

Read the buffer column first. On a static drawdown, the dollar buffer is the only number that limits your position size; the account label is marketing. A trader risking 1% per trade on the 200k account is taking the same dollar risk as one risking 20× that percentage on the smallest.

• 10k — $60, 10% target = $1k, 10% buffer = $1k of loss room
• 25k — $95, 10% target = $2.5k, 10% buffer = $2.5k of loss room
• 50k — $130, 10% target = $5k, 10% buffer = $5k of loss room
• 100k — $185, 10% target = $10k, 10% buffer = $10k of loss room
• 200k — $265, 10% target = $20k, 10% buffer = $20k of loss room

Which The Funded Trader size is actually the best value

Cost per dollar of loss buffer is the honest comparison. 10k costs 0.060 per dollar of buffer; 25k costs 0.038 per dollar of buffer; 50k costs 0.026 per dollar of buffer; 100k costs 0.018 per dollar of buffer; 200k costs 0.013 per dollar of buffer. The cheapest ratio is where the firm is subsidising you the most, and it is usually a mid tier rather than the flagship.

The second filter is your own stop distance. Work out the worst-case dollar loss of a normal trade at your usual size, multiply by five consecutive losers, and buy the smallest account whose buffer absorbs that without breaching. Buying above that point is paying for headroom you will never trade into; buying below it guarantees a reset fee.

What the 25k and 50k tiers mean in practice

The small tiers are where most traders start and where most resets happen, because the dollar buffer is small enough that a single mis-sized position ends the account. On a forex account, one standard lot on EURUSD moves about $10 per pip — on a 25k account, a 40-pip stop on two lots is already a meaningful share of your buffer.

The larger tiers change the psychology more than the maths. Same rules, same percentage targets, bigger dollar swings — which is why traders who pass consistently on a small account often breach the first week on a large one. Scale the account only after you have taken at least two payouts at the size below.

• Static drawdown on the standard challenge: Maximum loss is measured from the starting balance and does not trail your equity high, so accumulated profit stays as buffer. This is the trader-friendly model and it has survived the restructure intact.
• Two-phase evaluation with variants: The standard route is two phases with a 8%/5% target structure. Rapid and one-step variants exist at different price points with different consistency requirements — the rules genuinely differ between them, so the plan you buy matters more here than at most firms.
• Consistency applies on selected plans: Some challenge types apply a consistency cap at payout, others do not. Because the product line has changed repeatedly since 2021, third-party reviews older than a year routinely describe rules that no longer apply.

Rules that stay the same at every size

Firms rarely vary the rulebook by account size — they vary the dollar limits. On The Funded Trader the constants are the static drawdown, the 90% profit split, the bi-weekly payout window and the consistency position (applies on selected challenge types).

• News trading: conditionally allowed — Restricted on selected challenge types; allowed on others.
• EAs: allowed — EAs allowed with the standard HFT exclusions.
• Weekend holding: conditionally allowed — Depends on the challenge type you buy.
• Time limit: none — No deadline on the current challenge range.

FAQ