Prop firm payout calculator
See what you actually keep after your profit split — including firms that scale your split up after a milestone — and understand the payout rules that decide when that money can leave the firm.
- Firm keeps
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- Effective split
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Why the same profit pays out differently at every firm
The profit split is the one number that decides how much of your trading actually reaches your bank account. Two traders can both make $3,000 in a month and walk away with very different amounts, because the split — and whether it scales up over time — differs by firm and by agreement.
Prop firm payout rules: what decides when you actually get paid
The split decides your share of the profit. But several firm rules decide whether — and how much of — that profit is payable in the first place. The calculator shows the split; these are the rules to check before you count on the number.
The consistency rule
The payout rule that catches people most. Many firms require that no single trading day makes up more than a set share of your total profit — commonly somewhere around 20% to 50%, though it varies by firm. Hit your whole target on one lucky day and you can be blocked from withdrawing until you keep trading and bring that day back within the limit. It does not change your split; it decides how much profit is eligible for the split in the first place.
Minimum trading days
Most firms require a number of active trading days — often around 5 to 10 — before your first withdrawal, even if you reached the profit target far sooner. A day usually only counts if you actually place a trade that day.
First-payout threshold and buffer
Some firms hold the first payout until you have built a profit buffer above your starting balance, or reached a minimum withdrawal amount. Until you clear it, the money shows as profit but cannot leave the account yet.
Payout frequency
Withdrawals usually run on a schedule — for example every couple of weeks or monthly — rather than on demand, and early payouts are often capped per cycle. The calculator above assumes each cycle is payable; the schedule decides how far apart those cycles actually land.
How to use this calculator
Enter the profit
The profit made in one payout cycle, in dollars. If you only want a single payout, that is all this calculator needs.
Enter your profit split
Your share of that profit, as a percent. Check your firm agreement — most futures firms start between 80% and 100%, most CFD firms between 80% and 90%.
Turn on scaling, if your firm has it
Several firms raise your split after a milestone: a number of payouts cleared, or a lifetime dollar amount paid out. Tick the box to project several payouts forward and see the split change take effect.
Press Calculate
The result dims when your inputs no longer match what is on screen, so you always know whether you are looking at a stale number.
Understanding your results
- You keep
- What lands in your account after the firm takes its cut, summed across every payout cycle you projected.
- Firm keeps
- The firm’s share of the same profit. This is how the firm gets paid for the capital and the risk it is carrying on your account.
- Effective split
- Your total kept divided by the total profit, as a percent. If your split scales up partway through, this is the blended number across every cycle, not just your final tier.
A worked example
Say your firm pays a 90% split, and scales you to 100% after your very first payout is cleared. Your first $3,000 payout lands while you're still at 90%, so you keep $2,700, with the firm keeping $300.
From your second payout onward you are at 100%, so each of the next five $3,000 payouts pays you the full $3,000. Across all six payouts you have made $18,000 in profit and kept $17,700 of it — an effective split of 98.3%, well above your starting 90% because five of the six payouts land at the full rate.
Run your own numbers above: tick the scaling box, set your milestone, and project as many payouts forward as you want to see the blended number for yourself.
Frequently asked questions
What is a profit split in prop trading?
It is the percentage of the profit you generate on a funded account that you actually get to keep. If your split is 90%, a $1,000 month pays you $900, and the firm keeps $100 for the capital and risk it is providing.
What is a typical profit split?
Futures firms tend to start around 80–100%, and several raise it further after a milestone. CFD firms more often sit around 80–90%. The exact figure is set by each firm’s agreement, not a fixed industry number, so always check the firm’s own payout terms.
Do profit splits change over time?
At several firms, yes. Some raise your split after a set number of payouts, others after your lifetime payouts cross a dollar threshold. This calculator models both: tick “this firm scales my split” and choose which kind of milestone applies.
Does the profit split apply to the whole account, or just the profit?
Only the profit. Your original account balance, and any of your own capital you may have put down for the challenge fee, are not split — the split percentage applies purely to the trading profit generated on the funded account.
What is the consistency rule for prop firm payouts?
It stops any single trading day from making up too large a share of your total profit — commonly around 20% to 50%, depending on the firm. If one day is over the limit when you request a payout, the firm can hold the withdrawal until you trade more and bring that day back within the threshold. It rewards steady trading over a single lucky day, and it is the payout rule that most often surprises traders.
How long before you can withdraw from a prop firm?
Two things gate it: a minimum number of active trading days (often around 5 to 10) and the firm’s payout schedule, which is usually every couple of weeks or monthly rather than on demand. So even after you hit the profit target, the first withdrawal typically comes days to weeks later, not instantly. Always check your specific firm’s payout terms.
Where this calculator stops
It splits the profit number you give it — it does not know your firm's actual split, fee refund policy, minimum payout threshold, payout frequency limits, or any consistency rule that could shrink the profit eligible for payout before the split is even applied. Enter your own firm's real terms, and see the payout rules section above — the consistency rule especially — for the ones that most often decide whether that profit is payable at all.
It also assumes every projected cycle earns the same profit, which real trading will not do — treat the multi-payout projection as a way to see the scaling mechanic, not a forecast.
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Djosa
Founder, QuantPropTraderI've been trading CFDs for about 18 months, and most of that was losing. What turned it around wasn't a better setup — it was measuring one simple strategy until the numbers stopped being an opinion: 20,000+ trades back-tested by script, ~2,000 by hand, and 500-1,000 forward-tested live. That's what makes a calculator like this useful instead of decorative, because it only works if the win rate and R:R you type in are numbers you've actually measured. I built these tools because the odds of passing a challenge are the one number nobody hands you before you pay for it.