📅 Published: August 3, 2026 · By Ramsy Trader

FTMO Profit Split Explained: How Much Do You Really Keep? (2026)

Quick Answer: FTMO offers an 80% profit split on funded accounts. If you make $10,000 in profits, you receive $8,000 and FTMO keeps $2,000. The split can increase to 90% after scaling up to larger account sizes.

💰 Real Example: A $100K FTMO funded account trader makes $5,000 in Month 1. They receive $4,000 (80%) via bank transfer or crypto. FTMO keeps $1,000 (20%).

FTMO Profit Split Breakdown (All Account Sizes)

Account Size You Keep FTMO Keeps Example ($5K Profit)
$10,000 80% 20% You get: $4,000
$25,000 80% 20% You get: $4,000
$50,000 80% 20% You get: $4,000
$100,000 80% 20% You get: $4,000
$200,000 80% 20% You get: $4,000
$400K+ (scaled) 90% 10% You get: $4,500

How FTMO Scaling Plan Increases Your Split

FTMO rewards consistent traders with account scaling AND improved profit splits:

Account Balance Profit Split Notes
$10K - $200K 80/20 Initial split for all new accounts
$300K - $400K 80/20 After first scaling increase
$400K+ 90/10 🎉 Improved split after reaching $400K
📈 Scaling Path Example:
Start: $100K account (80% split)
After profit: $200K account (80% split)
After profit: $400K account (90% split)
Maximum: $2M account (90% split)

FTMO First Payout: Challenge Fee Refund

Your first payout includes your challenge fee refund + your profit share:

Example: $100K Account ($540 Challenge Fee)

  1. You make $5,000 profit in Month 1
  2. Your 80% split = $4,000
  3. FTMO refunds your $540 challenge fee
  4. First payout = $4,540

Example: $200K Account ($1,080 Challenge Fee)

  1. You make $10,000 profit in Month 1
  2. Your 80% split = $8,000
  3. FTMO refunds your $1,080 challenge fee
  4. First payout = $9,080

Hidden Fees That Reduce Your Take-Home Pay

1. Withdrawal Fees

2. Currency Conversion Fees

If you withdraw in a different currency, your bank charges 1-3% conversion fees.

3. Payment Processor Fees

FTMO uses RISE (formerly Deel) for payouts. They charge small processing fees on some methods.

4. Taxes (Your Responsibility)

FTMO doesn't withhold taxes. You're responsible for reporting and paying taxes on your earnings.

💡 Real Take-Home Example:

Profit earned: $5,000
Your 80% split: $4,000
- Withdrawal fee: -$20
- Currency conversion: -$40 (1%)
= $3,940 in your bank account

FTMO Profit Split vs Other Prop Firms

Prop Firm Initial Split Max Split (Scaled) Winner
FTMO 80/20 90/10 —
FundedNext 80/20 90/10 🤝 Tie
E8 Markets 80/20 80/20 FTMO wins
The5ers 50/50 80/20 FTMO wins
MFF 80/20 90/10 🤝 Tie
TopstepTrader 90/10 90/10 ✅ Topstep wins

Verdict: FTMO's 80/20 split is industry standard. Only TopstepTrader offers better (90/10 from day one).

How Much Can You Actually Make with FTMO?

Conservative Trading (5% Monthly Return)

Account Size 5% Monthly Profit Your 80% Split Annual (12 months)
$10,000 $500 $400 $4,800
$50,000 $2,500 $2,000 $24,000
$100,000 $5,000 $4,000 $48,000
$200,000 $10,000 $8,000 $96,000

Aggressive Trading (10% Monthly Return)

Account Size 10% Monthly Profit Your 80% Split Annual (12 months)
$10,000 $1,000 $800 $9,600
$50,000 $5,000 $4,000 $48,000
$100,000 $10,000 $8,000 $96,000
$200,000 $20,000 $16,000 $192,000
💰 Reality Check: Most FTMO funded traders make 3-8% monthly returns. 10%+ is possible but requires exceptional skill and carries higher risk of breaching rules.

When Do You Get Paid?

FTMO Payout Schedule

  1. First payout: After 14 days of trading + making profit
  2. Subsequent payouts: Every 14 days (bi-weekly cycle)
  3. Processing time: 1-2 business days after requesting withdrawal

Payout Timeline Example

Does FTMO Pay on Time?

Yes. FTMO is one of the most reliable prop firms for payouts. They have paid out $100M+ to traders since 2015.

Can You Negotiate FTMO Profit Split?

No. FTMO's profit split is fixed:

The only way to increase your split is to scale your account to $400K+.

ElitePropX: Keep 100% of Your FTMO Profits

Here's why ElitePropX's model is better than doing it yourself:

Scenario 1: DIY (You Pass Yourself)

Scenario 2: ElitePropX (We Pass for You)

💰 Value Comparison:

DIY: Spend $1,620+ and 3-6 months, keep 80% of profits
ElitePropX: Pay $220 once, funded in 2 weeks, keep 100% of profits

You save $1,400+ AND keep 100% instead of 80%!

Frequently Asked Questions

Is FTMO profit split 80/20 or 90/10?

80/20 initially. It increases to 90/10 after you scale to $400K+ account size.

When does FTMO refund your challenge fee?

With your first profit withdrawal. It's added on top of your 80% profit share.

Does FTMO charge monthly fees on funded accounts?

No. FTMO has no monthly fees, no inactivity fees, and no hidden costs after you're funded.

Can you withdraw profits anytime?

Yes, but withdrawals are processed bi-weekly (every 14 days). You can withdraw all profits or leave some in the account.

Does ElitePropX take a profit split?

No. ElitePropX charges a flat $220 fee to pass your challenge. After that, you keep 100% of the 80% split from FTMO (we take nothing).

Final Verdict: Is FTMO's 80/20 Split Fair?

Yes. 80/20 is industry standard for prop firms. You're trading with FTMO's capital (not your own), so a 20% fee is reasonable.

Better question: Is it worth spending $540-$1,620 and 3-6 months to get that 80% split?

🎯 Smarter Approach: Pay ElitePropX $220 to get your account passed in 2 weeks. Start earning 80% of your profits immediately instead of wasting months on failed attempts.
Get FTMO Account & Keep 100% of Profits →

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