New to funded trading?
ExploreA $100K funded account costs between about $330 and $770 in a one-time fee at the main prop firms in October 2026. Velotrade's PRO 1-Step $100K is $558 and its CLASSIC 2-Step $100K is $769. FundedNext charges $549.99, FTMO €540, The5ers $405, and Breakout Prop $330 for its tightest plan.
The fee is only part of the picture. At $100,000, every percentage in the rules becomes a large dollar number: a 3% floor is $3,000, a 10% floor is $10,000. This guide compares nine firms on their $100K and $50K prices, targets, daily loss and max drawdown in dollars, refunds and splits, all read from each firm's own site in October 2026. It then works through what a $100K account can realistically pay you, and when a smaller account is the better buy.
Highlights of this article
- One-time $100K prices run from $330 (Breakout Turbo) to $769 (Velotrade CLASSIC 2-Step); Topstep charges $99 a month for its $100K futures Combine
- At $100K, a 3% static max drawdown means one fixed floor at $97,000; a 10% static floor sits at $90,000
- Bigger accounts are cheaper per dollar of funding ($55.80 per $10K for Velotrade PRO $100K vs $74 at $10K), but each failed attempt costs more
- $50K accounts cost roughly 55% to 65% of the $100K price and suit traders still proving a process
- A 4% month on a $100K account at an 80% split is $3,200 before any payout cap; that is a good month, not a typical one
- Early payout caps and first payout timing decide when, and how much, you actually get paid at this size
100K funded account prices compared (October 2026)
List prices from each firm's official site, checked October 22, 2026. Dollar figures are for the $100K account. Many firms run promo codes, so the checkout price can be lower.
| Firm and plan | $100K price | $50K price | Profit target | Daily loss at $100K | Max drawdown at $100K | Refund | Split |
|---|---|---|---|---|---|---|---|
| Velotrade PRO 1-Step | $558 | $305 | 10% ($10,000) | 3% ($3,000) | 3% static, floor $97,000 | No | 80%, up to 90% with a paid add-on |
| Velotrade CLASSIC 2-Step | $769 | $419 | 10%, then 5% | 5% ($5,000) | 10% static, floor $90,000 | No | 80%, up to 90% with a paid add-on |
| FTMO 2-Step | €540 (€439 offer at the time of our check) | €345 | 10%, then 5% | 5% ($5,000) | 10% static, floor $90,000 | Yes | 80%, up to 90% with scaling |
| FundedNext Stellar 2-Step | $549.99 | $299.99 | 8%, then 5% | 5% ($5,000) | 10% static, floor $90,000 | Yes, with the first reward | 80% (90% on the on-demand option) |
| The5ers High Stakes | $405 (New) or $455 (Classic) | $249 or $279 | 10% (New) or 8% (Classic), then 5% | 4% ($4,000) | 8% max loss ($8,000) | Yes, at the funded stage | 80%, scaling toward 100% |
| FundingPips 2 Step Pro | $466 | $249 | 6%, then 6% | 3% ($3,000) | 6% max loss ($6,000) | No | 80% weekly or 100% on demand |
| Alpha Capital Alpha Pro 8% | $527 | $297 | 8%, then 5% | 4% ($4,000) | 8% static, floor $92,000 | Not stated on the plan page | 80% |
| Breakout Prop 1-Step Turbo | $330 | $180 | 9% ($9,000) | 3% ($3,000) | 3% static, floor $97,000 | No | 80%, 90% for $66 more |
| HyroTrader Two-Step | $579 | $379 | 10%, then 5% | 5% ($5,000) | 10% max loss ($10,000) | Yes, with the first payout | 80%, up to 90% |
| Topstep $100K Combine | $99 a month | $49 a month | $6,000 | $2,000 | $3,000, end-of-day trailing | Not published | 90%, plus a $149 activation fee |
Velotrade's live code AITRADE20 takes 20% off, which brings the PRO 1-Step $100K to $446.40. For the full price ranking across every account size, see our guide to the cheapest prop firms.
Two things to read into the table. First, a refund changes your real cost only if you pass and get paid. Second, the cheapest $100K plans (Breakout Turbo and Velotrade PRO) carry the tightest floors, so the low fee buys only $3,000 of room.
What the drawdown means in dollars at $100K
Percentages hide how the floor behaves. Here is how the main models play out on a $100,000 account:
| Drawdown model | Where the floor starts | After you close a day at $102,000 | Room left at $102,000 |
|---|---|---|---|
| 3% static (Velotrade PRO, Breakout Turbo) | $97,000 | Still $97,000 | $5,000 |
| 10% static (Velotrade CLASSIC 2-Step, FTMO, FundedNext) | $90,000 | Still $90,000 | $12,000 |
| 10% end-of-day trailing (illustration) | $90,000 | $92,000 | $10,000 |
| $3,000 end-of-day trailing (Topstep $100K) | $97,000 | $99,000 | $3,000 |
A static floor is fixed from your starting balance and never moves, so every dollar of profit adds to your buffer. A trailing floor follows your best closing balance, so profit does not buy you room in the same way. Our guide to static maximum drawdown covers this in detail.
The daily loss limit sits on top of the max drawdown. At Velotrade it resets at 00:30 UTC from the higher of your balance or equity. On a PRO $100K account with $102,000 equity at the reset, the daily limit is 3% of $102,000, so equity cannot fall below $98,940 that day. The static $97,000 floor still applies underneath.
What this means for sizing: with a $3,000 floor, risking 0.5% per trade ($500) gives you six full losses before the account ends. With a $10,000 floor, the same $500 risk gives you twenty.
Is a $100K account worth it, or should you start smaller?
Rules are set in percentages, so a 10% target on $100K is no harder in percentage terms than a 10% target on $10K. What changes is the fee you lose on a failed attempt, and how it feels to watch a $3,000 swing.
Larger accounts are cheaper per dollar of funding. Velotrade PRO costs $74 at $10K ($74 per $10K), $305 at $50K ($61 per $10K) and $558 at $100K ($55.80 per $10K). But your cost to get funded is the fee times the attempts you need. The pass chances below are assumptions to show the maths, not Velotrade pass rates:
| Plan | Fee | Assumed chance per attempt | Average attempts | Expected cost to pass |
|---|---|---|---|---|
| PRO 1-Step $10K | $74 | 1 in 3 | 3 | $222 |
| PRO 1-Step $100K | $558 | 1 in 3 | 3 | $1,674 |
| CLASSIC 2-Step $100K | $769 | 1 in 2 | 2 | $1,538 |
| PRO 1-Step $100K | $558 | 1 in 2 | 2 | $1,116 |
Two takeaways. If your odds are low, a $100K attempt mostly buys you a bigger loss. And if the wider floor genuinely raises your pass chance, the dearer CLASSIC 2-Step can be the cheaper route to $100K. Put your own numbers into the challenge pass calculator before you choose.
A sensible order: pass a small account, take at least one payout, then buy the $100K with a process you have already tested under the same rules. Our guide to 5K and 10K funded accounts covers the small end.
$50K: the middle ground
A $50K account costs roughly 55% to 65% of the $100K price: $305 for Velotrade PRO, $419 for CLASSIC 2-Step, €345 at FTMO, $299.99 at FundedNext, $249 at FundingPips and $180 for Breakout Turbo. You give up half the payout potential, but you can buy close to two $50K attempts for the price of one $100K.
That makes $50K a fair choice if you are profitable on paper but have not yet passed a challenge, or if a $3,000 drawdown on a $100K PRO account would change how you trade. On a $50K PRO account the floor is $48,500, and a 4% month is $2,000 before the split.
What a $100K funded account can realistically earn
Funded accounts at these firms are simulated. Your payout is a share of the simulated profit, so the only number that matters is the return you can repeat.
Worked example on a Velotrade PRO $100K account, simulated:
| Month | Return | Gross simulated profit | Your share at 80% | Your share at 90% (add-on) |
|---|---|---|---|---|
| Strong month | 4% | $4,000 | $3,200 | $3,600 |
| Steady month | 2% | $2,000 | $1,600 | $1,800 |
| Losing month | Negative | $0 | $0 | $0 |
A steady 2% a month is a good result for most discretionary traders, and many funded accounts end in a breach rather than a payout. On PRO, a 3% decline from the start closes the account. So a realistic year is a mix of payouts and at least one new fee. Model your own break-even with the challenge ROI calculator.
Payout caps and first payout timing at $100K
At this size, the cap on early payouts matters as much as the split:
- Velotrade: first payout after 14 days, then weekly, in USDC or USDT, processed within 24 hours. The first and second payouts are capped at 20 times the challenge fee you paid ($11,160 on a $558 PRO $100K, less if you used a discount code). From the third payout there is no cap. Each payout withdraws the full balance, and the static floor stays where it was set.
- The5ers: the $100K High Stakes account lists a $4,000 payout cap and a $500 minimum, with the first payout 14 days after funding and then every two weeks.
- FundedNext: on the standard option, the first withdrawal comes after 21 days, then every 14 days. The on-demand option pays 90% but adds a 40% consistency requirement.
- Breakout Prop: on-demand payouts with a $50 minimum, paid in USDC.
Check the cap against your plan. If you expect a large first month, a low cap can cost more than a higher fee.
The best 100K funded accounts, ranked
1) Velotrade, best for a multi-asset $100K account with no consistency rule
HQ: Hong Kong
$100K price: $558 (PRO 1-Step), $769 (CLASSIC 2-Step), $1,075 (CLASSIC 1-Step)
$50K price: $305 (PRO 1-Step), $419 (CLASSIC 2-Step)
Drawdown: Static on every plan: 3% (PRO), 7% (CLASSIC 1-Step), 10% (CLASSIC 2-Step)
Refund: No
One simulated $100K account covers crypto (24/7), forex, US stocks, index ETFs and commodities on DXtrade, with API access. There is no consistency rule, no max risk per trade, and news and weekend trading are allowed. Minimum 5 trading days, no time limit. Velotrade has operated since 2016 from Hong Kong.
Strengths:
- static floor on every plan, so profit adds to your buffer
- challenge prices from $558 at $100K
- no consistency rule and weekly payouts after the first
Trade-offs:
- PRO's $3,000 floor is tight at $100K, and fees are not refundable
- no CME futures or MetaTrader, and payouts are stablecoins, not bank transfer
For a full breakdown, see the Velotrade review.
2) FTMO, best for a refundable fee with a 10% static floor
HQ: Prague
$100K price: €540 list (€439 offer at the time of our check)
$50K price: €345
Drawdown: 10% static, floor $90,000
Refund: Yes, on the 2-Step
The $100K 2-Step is flagged as the most popular size on FTMO's price table. It asks for 10% then 5%, with a 5% daily loss and a 4 trading day minimum. The split starts at 80% and can reach 90% through its scaling plan. The 1-Step $100K lists at €499.
Strengths:
- refundable fee and a wide static floor
- longest track record in this list (since 2015)
Trade-offs:
- priced in euros
- the daily limit resets from the previous day's closing balance
For a full breakdown, see FTMO review and FTMO vs Velotrade.
3) FundedNext, best for a refund on the first reward
HQ: UAE
$100K price: $549.99 (Stellar 2-Step), $399.99 (Stellar Lite)
$50K price: $299.99 (Stellar 2-Step), $229.99 (Stellar Lite)
Drawdown: 10% static on Stellar 2-Step, floor $90,000
Refund: Yes, with the first reward on Stellar 2-Step
Stellar 2-Step asks for 8% then 5% with a 5% daily loss and 5 minimum trading days. The fee comes back with your first reward.
Strengths:
- lower Phase 1 target than most 2-step plans
- static floor and a refund
Trade-offs:
- funded traders keep only 40% of profit from news trades
- first withdrawal waits 21 days on the standard option
For a full breakdown, see FundedNext review and FundedNext vs Velotrade.
4) The5ers, best for a lower-priced $100K forex 2-step
HQ: Israel
$100K price: $405 (New version) or $455 (Classic version)
$50K price: $249 or $279
Drawdown: 8% max loss ($8,000), 4% daily
Refund: Yes, at the funded stage
At $50K and $100K, High Stakes uses an 8% max loss and a 4% daily loss, tighter than its smaller sizes. The scaling plan raises the split from 80% toward 100%.
Strengths:
- one of the lowest $100K prices with a refund
- scaling plan up to $500,000
Trade-offs:
- $4,000 payout cap on the $100K account
- MT5 only, and no trades 2 minutes either side of high-impact news
For a full breakdown, see The5ers review and The5ers vs Velotrade.
5) Breakout Prop, best for the lowest $100K crypto fee
HQ: USA (owned by Kraken)
$100K price: $330 (Turbo), $545 (Pro), $800 (Classic)
$50K price: $180 (Turbo), $280 (Pro), $400 (Classic)
Drawdown: 3% static (Turbo), 5% static (Pro), 6% static (Classic)
Refund: No
Turbo is the cheapest one-time $100K fee here, with a 9% target inside a $3,000 static floor. Pro widens the floor to 5% with a 12% target.
Strengths:
- lowest $100K fee in this comparison
- on-demand payouts and no minimum trading days
Trade-offs:
- Turbo's 3% floor is tight for crypto volatility
- the 90% split costs extra ($66 on a $100K Turbo)
For a full breakdown, see Breakout Prop review and Breakout Prop vs Velotrade.
6) FundingPips, best for on-demand payouts at 100%
HQ: Dubai, UAE
$100K price: $466 (2 Step Pro)
$50K price: $249
Drawdown: 6% max loss ($6,000), 3% daily
Refund: No
2 Step Pro has 6% targets in both phases and no minimum trading days. Once funded, you pick weekly payouts at 80% or on-demand at 100%.
Strengths:
- low $100K price for a 2-step
- a 100% on-demand payout option
Trade-offs:
- $6,000 of room and a $3,000 daily limit at $100K
- funded accounts restrict news trading
For a full breakdown, see FundingPips review and FundingPips vs Velotrade.
7) Alpha Capital, best for a choice of static floors
HQ: UK
$100K price: $527 (Alpha Pro 8%), $447 (Alpha Pro 10%), $397 (Alpha Pro 6%)
$50K price: $297 (Alpha Pro 8%)
Drawdown: 8% static on Alpha Pro 8%, floor $92,000
Refund: Not stated on the plan page
Alpha Pro 8% asks for 8% then 5% with a 4% daily loss and an 80% split. The 10% variant widens the floor and lists for less at $100K.
Strengths:
- three static floor sizes to match your style
- a swing variant for overnight and weekend holds
Trade-offs:
- a max risk per asset rule on funded accounts
- not available to US residents
8) HyroTrader, best for a refundable crypto $100K
HQ: Prague, Czechia
$100K price: $579 (Two-Step), $749 (One-Step)
$50K price: $379 (Two-Step), $499 (One-Step)
Drawdown: 10% max loss on Two-Step ($10,000), 5% daily
Refund: Yes, the deposit comes back with the first payout
Two-Step asks for 10% then 5%, with 5 minimum days per phase. The split starts at 80% and goes up to 90%.
Strengths:
- refundable deposit and a wide floor
- payouts in USDT or USDC
Trade-offs:
- highest crypto $100K price before the refund
- One-Step's max loss drops to 6%
For a full breakdown, see HyroTrader review and HyroTrader vs Velotrade.
9) Topstep, best for CME futures at $100K
HQ: Chicago
$100K price: $99 a month
$50K price: $49 a month
Drawdown: $3,000 max loss, end-of-day trailing
Refund: Not published
The $100K Combine needs a $6,000 profit with a $2,000 daily loss limit. It is a subscription, and the funded path adds a $149 activation fee. The split is 90%.
Strengths:
- low monthly price if you pass quickly
- 90% split
Trade-offs:
- the floor trails your best closing balance
- monthly billing adds up over a slow evaluation
For a full breakdown, see Topstep review and Topstep vs Velotrade.
Scaling beyond $100K
Most firms sell accounts above $100K. Velotrade's PRO 1-Step goes up to $200K for $1,114, and FTMO, FundedNext, HyroTrader and Alpha Capital all list $200K sizes. A larger account doubles the dollar floor and the payout potential, but also the fee you lose on a breach.
A second route is to hold more than one $100K account, where the firm allows it, or to grow through a firm's scaling plan. If you are ready for the top size, see our funded trading account up to $200K page.
Which 100K funded account should you pick?
Lowest fee: Breakout Turbo ($330) and The5ers ($405), both with tight floors or caps.
Lowest net cost if you expect to pass: a refund. FTMO, FundedNext, The5ers and HyroTrader return the fee once you reach their payout or funded stage.
Most room for your money: a 10% static floor at FTMO, FundedNext or Velotrade CLASSIC 2-Step.
Crypto, forex and stocks on one account with no consistency rule: Velotrade PRO at $558, or CLASSIC 2-Step if $3,000 of room is too tight. Codes for every firm are in our prop firm discount codes guide.
Sources
All pages checked October 22, 2026.
- FTMO, pricing and trading objectives
- FundedNext, CFD challenges
- The5ers, High Stakes program
- FundingPips, 2 Step Pro
- Alpha Capital, evaluations
- Breakout Prop, pricing
- HyroTrader, checkout
- Topstep, Trading Combine pricing
- Velotrade challenges and rules
Last updated: October 22, 2026. Prices and rules change often. Always check the firm's own site before you buy. This guide is educational and is not financial advice.
Frequently Asked Questions
About the author
Vittorio De Angelis
Executive Chairman
Former equity-derivatives trader at JP Morgan, Dresdner Kleinwort and Bank of America in London. Later Head of Brokerage at a global broker in Hong Kong.
Velotrade was founded in Hong Kong in 2016 by a team from JP Morgan, Dresdner Kleinwort and Bank of America, has paid out over $2.5 billion to its trade-finance clients, and has been featured in Bloomberg, the Financial Times, the Wall Street Journal and on Nasdaq. Its prop trading evaluations are simulated and educational.
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