Funded Trading Accounts: How to Get One
A funded trading account gives you simulated capital to trade and a share of the reward, after you prove consistency in an evaluation (or skip it with instant funding). ForRealFunding funds simulated accounts from $5K up to $500K, pays up to a 90% split from your first payout, and refunds the challenge fee after a set number of payouts. Routes in: 1-Step, 2-Step, Instant, or Pay After Pass from $9.99.
What you keep — a worked example
1-Step pricing shown; verified 2026-09-02. At a 90% split, a $2,000 profit month pays $1,800 to you.
| Account size | Pay After Pass total cost | 90% split on $2,000 profit | Detail |
|---|---|---|---|
| $10,000 | $142.99 | $1,800.00 | Full breakdown |
| $25,000 | $272.99 | $1,800.00 | Full breakdown |
| $50,000 | $428.99 | $1,800.00 | Full breakdown |
| $100,000 | $701.99 | $1,800.00 | Full breakdown |
| $200,000 | $1,299.99 | $1,800.00 | Full breakdown |
| $500,000 | $2,379.99 | $1,800.00 | Full breakdown |
Funded accounts compared
Verified 2026-08-25.
| Firm | Max funding | Profit split | Payout frequency |
|---|---|---|---|
| ForRealFunding | Up to $500,000 | Up to 90%, from your first payout | First payout 30 days after your first trade, then every 14 days (bi-weekly add-on available from day one) |
| FTMO | Up to $2,000,000 via the Scaling Plan (25% growth every 4 months) | 80% → up to 90% with scaling (2-Step); flat 90% from day one on 1-Step | Biweekly (14-day) cycle standard; faster options on higher tiers |
| FundedNext | Up to $200,000 direct on CFD accounts; larger via legacy/scaled programs | 80% → 90% Scale-Up, optional 95% add-on; plus a 15% Challenge Phase Reward after first scale-up | Guaranteed ≤24hr processing (or $1,000 compensation); requests typically bi-weekly |
| The5ers | Scalable up to $4,000,000 | 75%/25% at Funded Trader stage on the Summer Plan; legacy programs scale from 50–80% up to 100% | Bi-weekly; $250 minimum withdrawal; first-cycle payout capped at $2,000 |
| FundingPips | Up to $400,000 via account merging; up to $2,000,000 on the PRIME fund-manager path | 60–100% depending on cycle: Bi-weekly 85% (95% after 3 profitable days), Monthly up to 100%, Zero 95% bi-weekly | Trader's choice: weekly, bi-weekly, monthly, daily, or on-demand |
| Topstep | Up to $150,000 Combine buying power | 90/10 flat for traders who opened after Jan 2026; earlier accounts kept 100% of their first $10K | Up to $12,000 per request; "instant" payouts in under 9 seconds via Aeropay (US only); first payout capped at 50% of above-floor balance or $5,000 |
| Apex Trader Funding | Up to $150,000 per account; up to 20 Performance Accounts can run simultaneously | Sources conflict — some cite 100% of first $25K profit then 90/10, others cite a flat 100% payout structure; confirm current terms before relying on this | No fixed cycle publicly listed; a Performance Account must log 2+ trading days with $50+ net profit every rolling 30 days to stay payout-eligible |
| Goat Funded Trader | Up to $200,000 (account sizes from $1,000) | 80% base, scaling to 95–100%; Instant starts at 65%, rising to 80% by the third payout | Not independently confirmed in this research pass — first two payouts capped at 6% of initial balance |
| Blueberry Funded | Up to $200,000 direct (account sizes from $1,250); scaling potential to $2,000,000 | 80% base, scaling to 90% (requires 10% profit over 3 consecutive months + 4 successful withdrawals) | Not independently confirmed in this research pass |
FAQ
What is a funded trading account?
A funded trading account gives you simulated capital to trade and a share of the reward, usually after you prove consistency in an evaluation — or immediately with an instant-funding program. At ForRealFunding, funded accounts run from $5,000 up to $500,000 with up to a 90% reward split.
How do I get a funded account?
Four routes at ForRealFunding: a 1-Step challenge, a 2-Step challenge, Instant Funding (no evaluation), or Pay After Pass, which lets you start any challenge for $9.99 and pay the rest of the fee only after you pass.
How much can I keep from a funded account?
Up to 90% of the profit you generate, from your first payout — up to 100% with the profit-split add-on. First payout is 30 days after your first trade, then every 14 days.
What's the biggest funded account size available?
ForRealFunding funds simulated accounts up to $500,000. Larger sizes are priced on the pricing page and via Pay After Pass for a lower upfront cost.