FTMO
Everything below is read from FTMO's own rules page and dated. What it costs and what it pays are on their site; what the rules mean at your risk per trade is not, and that is what this page adds.
The funded account is simulated
FTMO's own materials describe the capital as simulated. You are paid a share of notional profit under a contract rather than trading a funded brokerage account. That is what the product is — worth knowing before you price the fee against it, not after.
FTMO — Trading Objectives — read 2026-08-02
Published rules
2-Step
difficulty ratio 1.50| Challenge profit target | 10% |
| Verification profit target | 5% |
| Maximum daily loss | 5% — ends the attempt |
| Maximum overall loss | 10% (static) |
| Minimum trading days | 4 |
| Profit split | up to 90% |
| Fee refunded on passing | yes |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 5 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $10,000 | EUR 89 | refunded on passing |
| $25,000 | EUR 250 | refunded on passing |
| $50,000 | EUR 345 | refunded on passing |
| $100,000 | EUR 439 540 | refunded on passing |
| $200,000 | EUR 1,080 | refunded on passing |
One attempt. Multiply by the attempts you expect — the calculator does it , netting out the refunded one. Struck-through figures are the higher price displayed beside a promotion on the date read.
1-Step
difficulty ratio 1.00| Challenge profit target | 10% |
| Maximum daily loss | 3% — ends the attempt |
| Maximum overall loss | 10% (trailing eod) |
| Minimum trading days | none published |
| Profit split | up to 90% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 3 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $10,000 | EUR 79 | EUR 88 |
| $25,000 | EUR 199 | EUR 221 |
| $50,000 | EUR 319 | EUR 354 |
| $100,000 | EUR 499 | EUR 554 |
| $200,000 | EUR 999 | EUR 1,110 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · Best-day rule: a single trading day may not exceed 50% of the total profit made on profitable days.
- · The fee is not refunded on passing — unlike the 2-Step, whose fee returns with the first payout.
FTMO — programme comparison and pricing — read 2026-08-05
Questions
- What are FTMO's challenge rules?
- As published on the firm's own pages, read 2026-08-05: 2-Step: 10% + 5% target, 5% daily limit, 10% overall (static); 1-Step: 10% target, 3% daily limit, 10% overall (trailing eod). What these mean at your own risk per trade — how many consecutive losing trades each cap allows — is computed in the tables on this page.
- Does FTMO refund the challenge fee?
- 2-Step: yes; 1-Step: no. Where a refund exists, when it actually arrives is recorded in the rules above — several firms pay it with a later reward rather than on passing.
- Is FTMO's funded account real money?
- FTMO's own materials describe the capital as simulated. You are paid a share of notional profit under a contract rather than trading a funded brokerage account — the source and the date we read it are cited on this page.
What is not on this page
A pass rate. Nobody publishes one, and the percentages in circulation come from firms selling challenges or affiliates earning on sign-ups. A number with that provenance would make this page look more authoritative and be worth less.
Fees are shown as displayed on the date read, and prop firms discount often — treat the figure as a snapshot and check the firm's own page before paying. What this page adds is the part that page does not tell you: what the rules mean at the risk you actually trade, and what the attempt costs once you stop assuming you pass first time. Run them against your own numbers.
Before you buy an attempt
Work out how many consecutive losers the drawdown allows at your risk per trade, and multiply the fee by the number of attempts you honestly expect. Both take a minute and both change the decision.