Before you buy a funded account, run the math. A 90/10 profit split sounds great — but after the purchase fee, the reset fee and the payout fee, the real number is often 15-25% lower than the headline split. This calculator shows you exactly what lands in your bank account for any firm, any profit, any fee structure.
Your Payout
Example: $2,000 profit on a 90/10 split = $1,800 to you, $200 to the firm. Add a $50 payout fee and the net drops to $1,750. Always read the fee schedule — some firms charge for every payout, others only on resets.
What the Headline Split Doesn't Tell You
Every firm advertises its best split (usually 80/20 to 90/10, scaling to 100% for top performers), but the real payout math has three hidden variables:
- Payout fees. Some firms charge a flat fee per withdrawal. FTMO and FundedNext charge nothing; others take $25-50 per payout.
- Reset fees. If you blow the account between payouts, a reset can cost $50-500 depending on firm and size — often more than you earned.
- Profit split scaling. Apex and FundedNext scale your split from 80% to 90-100% based on consistency and longevity. The calculator assumes your current split — recalculate as you level up.
Payout Schedules by Firm (2026)
| Firm | Profit Split | Payout Frequency | Payout Fee |
|---|---|---|---|
| FTMO | 90/10 | Every 14 days on demand | None |
| FundedNext | 80/20 → up to 90/10 | Every 14 days | None |
| Apex Trader Funding | Up to 90/10 | Weekly (Fridays) | $0 (first payout free) |
| Topstep | Up to 90/10 | Weekly (Fridays) | None |
| E8 Markets | 80/20 → up to 90/10 | Every 14 days | None |
| The 5%ers | 80/20 → up to 100% | Monthly (or bi-weekly on higher tiers) | None |
| Take Profit Trader | 90/10 → up to 100% | Every 14 days | None |
For the full breakdown of how each firm pays and the real-world delays, read our funded account payout process guide.
Why the Calculator Matters for Choosing a Firm
Two firms with identical 90/10 splits can pay out completely different amounts once fees and frequency are included. A firm that pays weekly with no fees and a $25 payout fee beats a firm that pays monthly with a $50 fee — even on the same split. Run every candidate through this calculator with your realistic monthly profit before you spend a cent on an evaluation.
Want the full comparison? Our best prop firms 2026 guide ranks firms by real take-home payout, and the prop firm tax guide shows what happens to that payout after the taxman. If the math says you're losing money to resets, our pass rate analysis explains why most traders never reach the payout stage at all.
Frequently Asked Questions
Q: How is a prop firm payout calculated?
A: Payout = profit × your split % − fees. $2,000 profit at 90/10 = $1,800 to you. The calculator above does this instantly for any firm.
Q: Which prop firm pays out the most?
A: On raw splits, the 5%ers (up to 100%), Take Profit Trader (up to 100%) and FundedNext (up to 90%) are the most generous. On consistency and speed, FTMO and Topstep have the strongest payout reputations.
Q: Do I pay tax on prop firm payouts?
A: Yes, in most countries payouts are taxable income. See the full tax guide for how it works in your jurisdiction.
Q: Can a passing service help me get to the payout stage?
A: Yes — 500+ challenges passed at a 95% success rate across FTMO, FundedNext, Apex, E8 and 50+ other firms. A free test challenge lets you verify before paying anything. Message @voraspas to start.
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