Funding Pips vs FTMO

Matched-account buyer comparison · prices and rules checked July 25, 2026

Funding Pips vs FTMO: Matched 100K Two-Step Scorecard

This compares Funding Pips 100K 2 Step Pro with FTMO 100K 2-Step. Funding Pips lowers the target and price by also tightening the daily and total loss budgets, so the apparent speed advantage must be tested against your strategy’s variance.

100K decision point	Funding Pips	FTMO
Current price	$399 one-time for 100K 2 Step Pro	€439 promotional · €540 reference
Profit targets	6% phase 1 · 6% phase 2	10% Challenge · 5% Verification
Daily / maximum loss	3% daily · 6% static maximum	5% maximum daily loss · 10% maximum loss
Minimum trading days	1 day per phase	4 days per phase
Funded concentration	2% maximum risk per trade idea on 50K+ Master Accounts; same-direction re-entry grouping matters	No comparable numeric risk-per-trade-idea row on the standard 2-Step objectives
Reward	Weekly 80% on the Pro model	80% standard, potentially 90%; request from day 14
Fee refund	2 Step Pro is excluded from the fourth-reward registration-fee refund	Initial 2-Step fee returned with first reward
Best fit	Trader with low-volatility execution who values lower targets, fewer days, and weekly rewards	Trader who needs wider loss room and an included first-reward fee refund

Advanced way to shop this comparison

1. Calculate cost to first eligible payout: use total path cost, likely attempts, resets, activation, add-ons, and refund timing—not the entry price alone.
2. Translate drawdown into trades: account for spread, commission, swap, slippage, correlated positions, and whether the floor is static or trails balance/equity.
3. Replay the funded stage: test your daily P&L against consistency, profitable days, risk-per-idea, news, buffers, minimums, caps, and payout timing together.
4. Verify trust operationally: identify the contracting entity, review rule-change history and complaint themes, get written strategy approval, and complete a small payout before buying multiple accounts.

Official sources used for this snapshot

• Funding Pips 2 Step Pro
• Funding Pips current offer
• FTMO Challenge
• FTMO objectives

Prices and terms change. Reconfirm the exact product, add-ons, platform, country eligibility, and agreement at checkout.

Introduction to Prop Firm Trading Metrics

When you evaluate a prop firm, you are essentially looking at a contract. The firm agrees to provide you with a funded trading environment, and you agree to operate within their defined risk parameters. Two of the most critical elements of this agreement are the profit split and the loss limit rules. A profit split is the percentage of the trading profits that you are allowed to withdraw to your own bank account. If you make a $10,000 profit and have an 80% split, you take home $8,000. Drawdown rules dictate how much money you are allowed to lose before the firm revokes your trading account. Drawdown is usually measured in two ways. The daily loss limit restricts how much you can lose in a single 24-hour period. The maximum overall loss limit restricts how much you can lose across the entire lifespan of the account. Understanding the mathematical relationship between your profit targets and your loss limit constraints is the foundation of long-term success for any funded trader.

Funding Pips vs FTMO Profit Split and Drawdown Rules Compared

Evaluating Funding Pips and FTMO profit split and loss limit rules requires looking at two distinct philosophies in the prop trading industry. FTMO is one of the oldest and most established firms in the space, known for its rigid, professional, and structured environment. Funding Pips is a newer firm that has gained popularity by offering highly flexible payout schedules, lower entry barriers, and various evaluation models. FTMO operates primarily on a two-step evaluation model, though they recently introduced a one-step challenge. Funding Pips offers a wider variety of paths, including a one-step challenge, a standard two-step challenge, a two-step pro challenge, and an instant funding model known as the Zero account. Because the account options differ so widely, a direct comparison of their profit splits and loss limit mechanics requires breaking down the rules for each specific account type.

Analyzing Profit Split Structures

The percentage of profits you keep varies greatly between FTMO and Funding Pips. While FTMO offers a straightforward baseline, Funding Pips ties your profit split directly to how often you want to withdraw your money.

FTMO Profit Split Mechanics

FTMO uses a structured profit split model that applies to almost all of its traders. When you pass the standard 2-step evaluation and receive your funded account, you start with an 80% profit split. This means that for every dollar of profit you generate, you keep 80 cents, and FTMO keeps 20 cents. If you qualify for the FTMO Scaling Plan by demonstrating consistent profitability over a four-month period, FTMO will permanently upgrade your profit split to 90%. In 2026, FTMO introduced a 1-step challenge. Traders who pass this specific single-phase evaluation begin with a 90% profit split immediately upon reaching the funded stage, bypassing the standard 80% starting tier. Withdrawals at FTMO are processed bi-weekly, meaning you can request a payout every 14 days after your first trade on the funded account.

Funding Pips Profit Split Mechanics

Funding Pips takes a completely different approach to profit sharing. Instead of a flat percentage, they offer variable profit splits based on your chosen payout frequency. This structure gives traders the flexibility to choose between faster access to cash or a higher percentage of the profits. Funding Pips offers the following profit split tiers based on payout schedules:

• Tuesday Payday: Traders can request a payout every Tuesday, receiving a 60% profit split. This allows for weekly liquidity.
• Bi-weekly Schedule: Traders who wait 14 days to request a withdrawal receive an 80% profit split.
• On-Demand Payouts: Traders who meet specific consistency criteria can request payouts on demand and receive a 90% profit split.
• Monthly Schedule: Traders who wait a full 30 days to withdraw their profits receive a 100% profit split, keeping all the money they generate.

Additionally, traders who purchase the “Zero” instant funding account automatically receive a 95% profit split on a bi-weekly schedule.

Worked Examples of Profit Splits

To understand how these percentages affect your actual income, it is helpful to look at realistic dollar amounts. The following examples assume a trader is managing a $100,000 funded account and generates a 5% return in a single month.

FTMO Payout Example on a 100000 Dollar Account

Imagine you have a $100,000 FTMO account (standard 2-step model) and you generate $5,000 in net profit over 14 days.

1. Gross Profit: $5,000
2. FTMO Standard Profit Split: 80%
3. Trader Share Calculation: $5,000 x 0.80 = $4,000
4. Firm Share: $1,000

If you request this withdrawal, FTMO will process a $4,000 payment to your bank account or cryptocurrency wallet within 1 to 2 business days. If you have successfully scaled your FTMO account to the 90% tier, your share of that same $5,000 profit would be $4,500.

Funding Pips Payout Example on a 100000 Dollar Account

Now assume you generated the exact same $5,000 profit on a $100,000 Funding Pips standard account. Your payout depends entirely on when you click the withdrawal button. Scenario A (Tuesday Payday): You decide you want your money immediately at the end of the week. You accept the 60% tier.

• Gross Profit: $5,000
• Trader Share Calculation: $5,000 x 0.60 = $3,000

Scenario B (Bi-weekly): You wait 14 days to request the payout, aligning with the 80% tier.

• Gross Profit: $5,000
• Trader Share Calculation: $5,000 x 0.80 = $4,000

Scenario C (Monthly): You have enough personal capital to cover your living expenses, so you leave the profit in the account for a full 30 days to access the 100% tier.

• Gross Profit: $5,000
• Trader Share Calculation: $5,000 x 1.00 = $5,000

This flexibility allows a trader to treat the account like a weekly paycheck or a monthly investment dividend, depending on their personal financial needs.

Understanding Drawdown Rules

Drawdown rules are the safety mechanisms prop firms use to limit their risk. If you breach a loss limit, your account is immediately closed, and you forfeit the challenge or funded account. Drawdowns are typically divided into two categories. The maximum daily loss limits what you can lose in a single day. The maximum overall loss limits the total amount your account can drop from its starting balance or highest peak.

FTMO Drawdown Limits Explained

FTMO enforces strict but transparent loss limit rules. On their standard 2-step evaluation and funded accounts, FTMO utilizes a 5% maximum daily loss and a 10% maximum overall loss. The FTMO daily loss limit is calculated based on your account balance at midnight Central European Time (CET). If your starting balance for the day is $100,000, your daily loss limit is exactly 5% of your initial account size, which is $5,000. Therefore, your equity cannot drop below $95,000 during that day. This includes closed trades, open floating losses, commissions, and swap fees. The FTMO overall maximum loss on a standard account is static. It is fixed at 10% of the initial account balance. On a $100,000 account, your equity can never drop below $90,000 at any point. Because this limit is static, any profits you leave in the account serve as a buffer. However, FTMO’s new 1-step challenge features different rules. It uses a 3% maximum daily loss and a 10% end-of-day (EOD) trailing maximum loss. A trailing drawdown follows your account balance upward as you make profits, making it significantly more restrictive than a static drawdown.

Funding Pips Drawdown Limits Explained

Funding Pips adjusts its loss limit rules depending on the evaluation model you choose. They offer static drawdowns on most accounts, which is highly preferred by traders who hold trades for longer durations. For the Funding Pips 1-step model, the daily loss limit is 3%, and the overall maximum loss is 6%. This overall loss is static. For the Funding Pips 2-step standard model, the daily loss limit is 5%, and the overall maximum loss is 10%. This matches FTMO’s standard rules. For the Funding Pips 2-step pro model, the rules are tightened to a 3% daily loss limit and a 6% overall maximum loss limit. For the Funding Pips Zero account (instant funding), the firm enforces a 3% daily loss limit and a 5% trailing overall maximum loss limit. Furthermore, on the Zero account, the firm implements a “Safety Cushion” rule, meaning the first 3% of profits you make cannot be withdrawn, acting as a mandatory buffer.

Worked Examples of Drawdown Scenarios

The best way to fully comprehend loss limit rules is to track a hypothetical trading account over a few days. The following examples show how FTMO and Funding Pips calculate rule breaches in real-time.

FTMO Daily Drawdown Scenario

Assume you are trading a $100,000 FTMO standard account with a 5% daily loss limit ($5,000) and a 10% static max loss limit ($90,000 floor). Day 1: You start the day with a balance of $100,000. Your daily loss limit allows your equity to drop by $5,000, meaning your equity cannot touch $95,000. You take a trade and make a $3,000 profit. You close the trade. Your balance at midnight CET is $103,000. Day 2: At midnight, FTMO recalculates your daily loss limit. The formula is your midnight balance minus 5% of the initial account size ($5,000). Calculation: $103,000 – $5,000 = $98,000. During Day 2, your equity cannot drop below $98,000. If you enter a trade and your floating equity drops to $97,999, you will breach the daily loss limit and lose the account, even though your overall account is still in profit.

FTMO 1-Step Trailing Drawdown Scenario

Now assume you are trading the new FTMO $100,000 1-step challenge. This account has a 10% end-of-day trailing drawdown. The starting floor is $90,000. Day 1: You make $4,000 in profit. Your balance at the end of the day is $104,000. Midnight Recalculation: Because this is an EOD trailing drawdown, the 10% loss limit trails your highest end-of-day balance. The new maximum loss limit is calculated as $104,000 minus $10,000. Your new absolute floor is $94,000. Day 2: You lose $2,000. Your balance at the end of the day is $102,000. Midnight Recalculation: The trailing drawdown only moves up, never down. Because your balance decreased, your max loss floor remains locked at $94,000. You now have $8,000 of breathing room before you breach the account.

Funding Pips Static Drawdown Scenario

Assume you are trading a $100,000 Funding Pips 1-step account. This account has a 6% static maximum loss. Your absolute floor is fixed at $94,000 and will never move. Day 1: You make $4,000. Your balance is $104,000. Your absolute floor remains $94,000. You now have a $10,000 buffer before hitting the maximum overall loss. Day 2: You make another $4,000. Your balance is $108,000. Your absolute floor is still $94,000. You now have a $14,000 buffer. Unlike the FTMO 1-step trailing model, the Funding Pips static model rewards you for keeping profits in your account by increasing your physical breathing room. This makes static drawdowns highly favorable for swing traders who rely on wide stop losses and allows weekend holding without penalty.

Additional Rules Impacting Withdrawals

Beyond the standard loss limit constraints, both firms implement specific consistency rules. These rules are designed to ensure that traders are using a repeatable strategy rather than relying on a single lucky gamble to generate all their profits.

The FTMO Best Day Rule

FTMO applies a “Best Day Rule” specifically to its 1-step challenge and 1-step funded accounts. This rule dictates that your most profitable day cannot account for more than 50% of your total positive days’ profit. For example, if your total profit on the account is $10,000, no single day of trading could have generated more than $5,000 of that profit. If you made $6,000 on a single day, you do not lose your account. However, you will not be permitted to pass the evaluation or request a withdrawal until you continue trading and generate more profit on other days, bringing that $6,000 win down to 50% or less of the total pie. This rule forces traders to demonstrate consistency over multiple trading sessions and reveals common mistakes traders make when evaluating their edge.

Funding Pips Consistency Rules

Funding Pips does not enforce consistency rules on its standard 2-step evaluations, but it applies strict consistency metrics to specific account types and payout tiers. If you trade the Funding Pips Zero (instant funding) account, you must maintain a 15% consistency score. This means your largest single winning day cannot exceed 15% of your total account profits. You must also log at least 7 profitable days every 30 days to keep the Zero account active. Furthermore, if you want to qualify for the 90% “on-demand” payout tier on standard Funding Pips accounts, you must meet a 35% consistency score. This means no single da