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
| 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
| 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 | $200K per account, $400K per trader; Scaling Plan up to $2,000,000 | 80% → up to 90% with scaling (2-Step); flat 90% from day one on 1-Step | First reward from day 14 after first trade, then any day; reviewed in 1–2 business days |
 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); 2-Step first payout at 21 days then every 14, 1-Step every 5 business days |
 The5ers | Scalable up to $4,000,000 | 75–100% by program: Summer Plan 75%; High Stakes 80–100%; Hyper Growth 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%, set by the payout cycle you choose (2-Step Standard: weekly 60%, bi-weekly 80%, on-demand 90%, monthly 100%) | Trader's choice: weekly, bi-weekly, monthly or on-demand (daily on the PRIME path) |
 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 | Accounts up to $400,000 (Instant), scaling to $2,000,000 | 80% base, 100% add-on at checkout; Instant HERO 90% | First two payouts capped at 6% of initial balance or $10,000, whichever is lower |
 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 |
 Upcomers | Starting sizes up to $1.5M, scaling to $4M | 90% standard; 80% or 100% selectable at checkout | Tiered payout caps that rise each payout (e.g. $1,000 first payout on $100K), unlimited after the 7th |
 NYS Markets | Up to $200,000 | 80% | On demand after 5 profitable days of 0.25%+; each request capped at 2% of the balance |
 Equity Edge | $200K funded allocation ($300K Instant); VIP scaling to $2M | 80% standard; 90% at VIP tier or on Instant | Every 14 days (on demand at VIP tier); processed within 48 hours |
 Hola Prime | $200K per account, $800K combined; scaling to $4M | 80%; 95% on a monthly payout cycle | Bi-weekly, monthly or on-demand; up to 24 business hours of review, then paid within 1 hour; 2.5% payout fee |
Funded Trading Account 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.