How prop firm payouts work
When you generate profit on a funded account, you do not keep 100% of it. The prop firm retains a portion — their cut — and pays you the remainder. This arrangement is the “profit split” and is typically expressed as a percentage that goes to you (e.g. 80% trader, 20% firm). This calculator shows you exactly what your take-home will be before you request a withdrawal.
Profit split percentages across firms
Standard profit splits at most prop firms currently range from 70% to 90% in the trader's favour. Some firms advertise up to 100% profit splits, but these typically come with conditions — higher evaluation fees, restrictions on scaling, or time-limited promotional rates. The headline split percentage is not the only metric that matters; the minimum payout threshold, payout frequency, and withdrawal processing time are equally important.
A firm offering 90% with a minimum $1,000 payout threshold and monthly payouts may be less attractive than a firm offering 80% with a $500 minimum and bi-weekly payouts — particularly for a trader with a smaller account who builds profit gradually.
Minimum payout thresholds
Most prop firms require you to have earned a minimum amount of profit before you can request a payout. This is commonly $500 to $2,000 depending on the firm and account size. Some firms also require that your account balance be above the initial starting balance (i.e. you cannot request a payout if you are in a drawdown from your starting balance, even if you are still above the absolute drawdown floor).
Understanding the minimum threshold matters for planning. If you have a $50,000 account making 1% per month ($500) and the minimum payout is $1,000, you will wait two months before your first payout — but the profit continues to compound in the meantime.
How payouts affect your drawdown position
This is a critical point that many traders overlook: requesting a payout reduces your account balance. If your payout reduces your balance below the drawdown floor, the account could be immediately terminated. Always run this calculation before requesting a withdrawal.
For example, if you have a $100,000 account, a static drawdown floor of $95,000, and a current balance of $103,000, your maximum safe payout (before hitting the floor) is $8,000 — not $3,000. Some firms calculate the drawdown floor dynamically and adjust it when you withdraw; others keep it fixed. Know which method your firm uses before requesting a payout.
Payout processing times and methods
Most prop firms pay out via bank transfer, Wise, or cryptocurrency. Processing times range from same-day to 14 business days. Some firms have had documented delays in payouts — this is an important factor when evaluating which firm to trade with. Check recent community reviews and forums for up-to-date information on payout reliability before committing to a large evaluation fee.
This calculator is for informational purposes only. Always verify payout rules, minimum thresholds, and processing times directly with your prop firm.