Best Funded Prop Firms: Top Funded Trading Accounts 2026

Evaluation Process

To receive a funded account, traders must first complete an evaluation challenge. Most prop firms use a two-phase evaluation: Phase 1 requires reaching a profit target (typically 8-10%) while staying within drawdown limits, and Phase 2 requires another profit target (typically 5%) with the same drawdown rules. Some firms offer one-phase evaluations or instant funding options.

Evaluation requirements vary by firm: Profit targets (typically 8-10% in Phase 1, 5% in Phase 2), drawdown limits (typically 5-10%), time limits (typically 30-60 days), and trading rules (minimum trading days, consistency rules, etc.). Successfully completing evaluation grants access to a funded account.

Funded Account Access

Once you pass the evaluation, you receive access to a funded account with the same balance as your evaluation account. This is real capital provided by the prop firm, not demo money. You can trade with this capital and keep a percentage of profits (typically 70-95%).

Funded account features: Real capital (not demo), profit splits (70-95%), regular payouts (weekly, bi-weekly, or monthly), scaling opportunities (increase account size based on performance), and ongoing support. Funded accounts operate under the same rules as evaluation accounts.

Profit Splits and Payouts

Funded accounts offer profit splits ranging from 70-95%, with most top firms offering 80-90%. Profit splits determine how much of your trading profits you keep. Higher splits mean more money in your pocket. Payouts are typically processed weekly, bi-weekly, or monthly, depending on the firm.

Profit split examples: FTMO (90%), Apex Trader Funding (90%, 100% on first $25K), FundedNext (95%), TopStep (90%), and MyFundedFX (90%). Some firms offer promotional 100% splits on first payouts or specific account tiers. Always verify current profit split terms.

1. Consider Maximum Funded Account Amount

Maximum funded account amounts range from $10,000 to $4,000,000+. Consider your trading goals and choose a firm that offers sufficient capital. If you plan to scale, look for firms with aggressive scaling programs that can grow your account significantly.

Highest funded accounts: The5ers (up to $4M with scaling), FTMO (up to $400K), Apex Trader Funding (up to $300K+), FundedNext (up to $300K+, scaling to $4M), and TopStep (up to $150K). Consider both initial funding and scaling potential.

2. Compare Profit Splits

Profit splits determine how much of your trading profits you keep. Higher splits (90-95%) mean more money in your pocket. Compare profit splits across firms, but also consider other factors like funding amounts, reliability, and trading rules.

Best profit splits: FundedNext (95%), FTMO (90%), Apex Trader Funding (90%, 100% on first $25K), TopStep (90%), and MyFundedFX (90%). Some firms offer promotional 100% splits on first payouts or specific account tiers.

3. Evaluate Scaling Programs

Scaling programs allow you to grow your funded account based on consistent performance. Look for firms with aggressive scaling (15-25% per month) that can grow your account from initial funding to maximum amounts. Scaling is valuable for long-term growth.

Best scaling: FundedNext (up to 25% per month, can reach $4M+), The5ers (aggressive scaling up to $4M), FTMO (scaling up to $400K), and Apex Trader Funding (scaling up to $300K+). Consider both scaling speed and maximum account size.

4. Check Payout Reliability

Funded accounts are only valuable if the firm reliably processes payouts. Check payout history, trader reviews, and firm reputation. Established firms with proven payout track records are more reliable than newer firms without history.

Most reliable payouts: FTMO ($100M+ paid), Apex Trader Funding ($577M+ distributed), TopStep (CFTC-regulated, proven), FundedNext (fast-growing, reliable), and MyFundedFX (established reputation). Always verify payout reliability before committing.

5. Review Trading Rules

Funded accounts operate under the same trading rules as evaluation accounts. Review rules carefully: drawdown limits, profit targets, time limits, trading restrictions, and any other requirements. Choose firms with rules that match your trading style.

Flexible rules: Apex Trader Funding (no daily drawdown, weekend holding), FundedNext (flexible rules), MyFundedFX (flexible rules), and TopStep (reasonable rules). Ensure rules accommodate your trading strategy before committing.

What are the best funded prop firms?

The best funded prop firms include FTMO (up to $400K funded accounts, 90% split), Apex Trader Funding (up to $300K, 90% split), FundedNext (up to $300K, 95% split), TopStep (CFTC-regulated, $150K), and The5ers (up to $4M scaling). Best depends on your trading style, location, and funding needs.

Which prop firm offers the highest funded accounts?

The5ers offers the highest maximum funded accounts with scaling programs up to $4,000,000. For initial funded accounts, FTMO offers up to $400,000, Apex Trader Funding up to $300,000, and FundedNext up to $300,000. Many firms offer scaling programs that increase funded account sizes based on performance.

What is the best profit split for funded accounts?

FundedNext offers the highest profit split at 95%. Most top funded prop firms offer 90% profit splits, including FTMO, Apex Trader Funding, and TopStep. Some firms offer promotional 100% profit splits on first payouts or specific account tiers. Higher splits mean more money in your pocket.

How do scaling programs work?

Scaling programs increase your funded account size based on consistent performance. Typically, you need to reach a profit target (5-10%) to trigger scaling, which increases your account by 15-25%. This allows you to grow from initial funding (e.g., $25K) to maximum amounts (e.g., $300K+) over time. Scaling is valuable for long-term growth.

How often do funded accounts pay out?

Payout frequency varies by prop firm. FTMO pays monthly, Apex Trader Funding pays bi-weekly, FundedNext pays weekly, TopStep pays bi-weekly, and The5ers pays monthly. Some firms offer more frequent payouts (weekly) while others pay monthly. Choose based on your preference for payout frequency.

Can I lose my funded account?

Yes, funded accounts can be terminated if you violate trading rules or exceed drawdown limits. However, many firms offer reset options or free retries in certain situations. Always follow trading rules, manage risk properly, and stay within drawdown limits to maintain your funded account. Some firms offer account protection or reset options.