You've grown your funded account. Now you want to withdraw. But the payout process at most prop firms involves several conditions that can delay or reduce what you receive. Here's everything you need to know.
Common Payout Requirements
Most prop firms require you to meet one or more conditions before your first payout:
- Minimum trading days: You must have traded for a set number of days (typically 5–15) before being eligible to request a payout.
- Minimum profit threshold: Some firms require you to reach a specific profit target (often 5–10% of account) before the first payout.
- Consistency rule compliance: Your biggest day must be within the cap — failing this can delay or disqualify the payout.
- Payout request window: Most firms process payouts bi-weekly or on a fixed schedule. Missing the window means waiting for the next cycle.
Profit Split — What You Actually Keep
Your profit split percentage is how much of the account's profit you receive. The remainder goes to the firm. Common splits:
| Profit Split | On $5,000 profit | Typical firms |
|---|---|---|
| 70/30 | $3,500 | Many evaluation firms |
| 80/20 | $4,000 | FTMO, standard funded |
| 90/10 | $4,500 | Premium tiers, scaling plans |
| 100/0 | $5,000 | Some promotional offers |
Use the Profit Split Calculator to see exactly what you'll receive after any profit split percentage.
First Payout vs Subsequent Payouts
Many firms treat your first payout differently from subsequent ones:
- First payout may require a longer waiting period or higher profit threshold
- Subsequent payouts are typically available every 2 weeks on a rolling basis
- Some firms cap individual payouts at a maximum amount (e.g. 10–20% of account size per cycle)
Payout Caps
A payout cap limits how much you can withdraw in a single cycle. If your account made $15,000 but the cap is $10,000, you'll receive $10,000 now and the remaining $5,000 either stays in the account or rolls to the next cycle. Read your firm's terms carefully — this is a commonly overlooked detail.
How Payment Is Made
Most firms offer payouts via:
- Wise (TransferWise): Most common, fast international transfers
- Crypto (USDC/BTC): Increasingly offered, fast but requires a wallet
- Bank wire: Available but often slower and with additional fees
- PayPal: Some firms, but less common
Qualifying Day Requirement
Some firms require a minimum number of "qualifying days" — days where you met a minimum profit threshold (e.g. at least 0.5% profit). This is separate from the minimum trading days requirement. Use the Payout Qualification Calculator to track your progress toward qualifying for your next payout.
Key Takeaways
- Always read the payout section of your firm's terms before you start trading.
- Request payouts as soon as you're eligible — don't let profits sit longer than necessary.
- Check whether there's a payout cap per cycle and plan your withdrawals accordingly.
- Use the Payout Calculator to plan across multiple accounts if you're running several funded accounts simultaneously.