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Free ToolUpdated October 5, 2026

Is Prop Trading Worth It?

Enter your account size, expected monthly profit, and challenge attempts. See exactly when you break even and what you earn over 12 months.

Your monthly take-home: $2,0005% × 80% split
Total fees paid: $419$419 × 1
Monthly take-home on funded
$2,000
CLASSIC 2-Step · 5% monthly profit × 80% split on $50,000
Total fees paid
$419
1 attempt
12-month net
$23,581
after all fees
Break-even timeline
Month 1to recover all fees
StartMonth 12
Fees paidBreak-even at month 1
12-month ROI
Return on fees paid57.3×
Monthly earnings$2,000
Projections assume consistent monthly profit at the selected rate. Actual results vary. Past performance does not guarantee future returns.
Start the CLASSIC 2-Step $50K evaluation· $419

One-time fee · Static drawdown · No time limit

Next: Pass calculatorYour odds of passing from win rate, reward to risk and risk per trade.Next: Profit calculatorYour profit target, loss limits and first payout for any plan.

How to use this calculator

01

Set your account and challenge

Pick the funded account size you want to trade and the exact plan: CLASSIC 2-Step, CLASSIC 1-Step, or PRO 1-Step. The fee auto-fills.

02

Choose your monthly profit target

Select a realistic monthly profit percentage for your funded account. 3–5% is a sustainable target for most traders. The calculator shows your monthly take-home at that rate after the profit split.

03

Factor in your pass rate

Set how many attempts you expect before passing. One re-try adds the fee again. The calculator shows your total cost, break-even month, and 12-month net regardless of how many attempts it takes.

What these numbers mean

Monthly take-home: Your profit after the split on a funded account, per month. Calculated as: account size × monthly profit % × profit split. This is the core recurring income figure, the number that determines how quickly you recover fees and how much you earn long-term.
Total fees paid: The sum of all challenge fees across every attempt. If you pass on the first try, this is just the one fee. If you need two attempts, it doubles. Covers all CLASSIC and PRO plan sizes.
Break-even month: The month in which your cumulative earnings from the funded account exceed the total fees paid. Before this month you are net negative. After it, every month is pure profit. Most accounts at 5%+ monthly break even in month 1 or 2.
12-month net: Your total earnings over 12 months of funded trading, minus all challenge fees. This is the bottom-line number: what prop trading actually puts in your pocket over a year, accounting for the full cost of getting funded.
Return on fees (ROI): How many times over your 12-month earnings exceed the fees you paid to get funded. A 10× ROI means you earned 10 times your total challenge cost in one year. Most account sizes at moderate monthly profit rates produce ROI multiples in the 5–20× range.
Expected monthly profit %: The percentage of your funded account you expect to earn per month, before split. Conservative traders target 3–5%. Strong performers reach 8–10%. This is the most sensitive input, small changes in monthly % have an outsized effect on 12-month outcomes.

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Frequently asked questions

Common questions about challenge fees, break-even timelines, and the long-term economics of prop trading.

Ready to trade with
$200,000 capital?

Get funded from $40Read the FAQ

Up to 90% profit split

Keep most of what you earn

No consistency rule

News trading allowed

Payouts within 24 hours

Of your request