📅 Published: August 3, 2026 · By Ramsy Trader

How Much Does FTMO Challenge Cost in 2026? (Complete Pricing)

Quick Answer: FTMO challenge costs range from $155 for a $10K account to $1,080 for a $200K account in 2026. If you pass both phases, FTMO refunds your fee with your first profit split. If you fail, you lose the entire amount.

            💡 Smart Alternative: Instead of risking $155-$1,080 on a challenge you might fail, ElitePropX passes it for you at a flat $220 fee with a 95% success rate and free retry guarantee. You pay once, we handle both phases.
        

FTMO Challenge Pricing 2026 (All Account Sizes)

Account Size	Challenge Fee	Refundable?	Profit Target Phase 1
$10,000	$155	✅ Yes (after Phase 2 pass)	$1,000 (10%)
$25,000	$250	✅ Yes	$2,500 (10%)
$50,000	$345	✅ Yes	$5,000 (10%)
$100,000	$540	✅ Yes	$10,000 (10%)
$200,000	$1,080	✅ Yes	$20,000 (10%)

When Do You Get Your Money Back?

FTMO refunds your challenge fee after you pass both Phase 1 and Phase 2, and your fee is included in your first profit split payout. Here's how it works:

Pass Phase 1: Hit 10% profit target without breaching drawdown limits (no refund yet)
Pass Phase 2: Hit 5% profit target with same rules (no refund yet)
Get Funded: Receive your funded account
First Payout: Your challenge fee is refunded along with your 80% profit split

            ⚠️ Reality Check: Only 10-15% of traders pass FTMO on their first attempt. That means most people lose $155-$1,080 before they ever get funded.
        

Hidden Costs Most People Don't Know About

1. Failed Attempt Costs

If you fail Phase 1 or Phase 2, you lose your entire challenge fee. Want to retry? Pay the full amount again.

2. Multiple Retries Add Up Fast

1st attempt: $540 (fail Phase 1)
2nd attempt: $540 (fail Phase 2)
3rd attempt: $540 (finally pass)
Total spent: $1,620 to pass a $100K challenge

3. Time = Money

Most traders take 2-4 attempts to pass FTMO. That's 3-6 months of paying challenge fees before you make a single dollar.

FTMO Swing Account Pricing

FTMO also offers "Swing" accounts with longer holding times and different rules. Pricing:

$10K Swing: $250 (vs $155 normal)
$25K Swing: $345 (vs $250 normal)
$50K Swing: $540 (vs $345 normal)
$100K Swing: $1,080 (vs $540 normal)

Swing accounts cost 50-100% more than normal challenges but allow weekend holding and longer trading windows.

How ElitePropX Saves You Money

Instead of gambling $155-$1,080 on a challenge with a 10-15% pass rate, we offer a smarter approach:

Method	Cost for $100K Account	Success Rate	What You Risk
Do it yourself	$540 per attempt	10-15%	$540-$1,620+
ElitePropX	$220 flat fee	95%	$220 (free retry if we fail)

            💰 You Save $320-$860+ per challenge compared to doing it yourself (and likely failing multiple times).
        

What's Included in FTMO Challenge Fee?

Access to Phase 1 challenge (30 days, unlimited with no time limit option)
Access to Phase 2 verification (60 days, unlimited with no time limit option)
Trading platform access (MT4/MT5/cTrader)
Performance tracking dashboard
Certificate upon passing

NOT included: Trading strategy, risk management plan, or any guarantee you'll pass. You're on your own.

Cheaper Alternatives to FTMO?

If FTMO's pricing seems high, consider these alternatives:

FundedNext: $49-$599 (cheaper but similar difficulty)
E8 Markets: €99-€999 (European alternative)
The5ers: $75-$995 (instant funding options)
ElitePropX: $220 flat for ANY firm (we pass it, you get funded)

FTMO Discount Codes 2026

Bad news: FTMO rarely offers discount codes. They occasionally run promotions (10-15% off) during Black Friday or major trading events, but these are rare.

Better option: Instead of waiting for a discount that may never come, get your challenge passed by professionals at a lower cost than multiple failed attempts.

Is FTMO Challenge Worth the Cost?

Worth it IF:

You have a proven profitable strategy
You can handle the psychological pressure
You have $500-$1,000+ to risk on multiple attempts
You're okay with 3-6 months before earning

NOT worth it if:

You're a beginner trader
You struggle with drawdown rules
You can't afford to lose the fee
You want to get funded quickly

Frequently Asked Questions

Does FTMO refund your challenge fee?

Yes, but only after you pass both Phase 1 and Phase 2. The refund comes with your first profit split payout.

What happens if I fail FTMO challenge?

You lose your entire challenge fee ($155-$1,080). To retry, you must pay the full amount again.

Can I get FTMO challenge for free?

No, FTMO doesn't offer free challenges. However, some passing services like ElitePropX offer free test challenges on smaller accounts to prove their service works.

Is $220 cheaper than $540 FTMO fee?

Yes! But more importantly, with ElitePropX you have a 95% success rate vs 10-15% doing it yourself. You save money AND time.

Final Verdict: Should You Pay FTMO's Fee?

FTMO challenge costs are reasonable IF you pass on your first attempt. But statistics show most traders don't.

The average trader spends $1,000-$2,000+ on multiple failed attempts before getting funded (if they ever do).

            🎯 Smarter Approach: Let professionals who've passed 500+ challenges handle it for you. Pay $220 once instead of $540+ multiple times. Get funded in 1-3 weeks instead of 3-6 months.
        

Get Your FTMO Challenge Passed for $220 →