FTMO payout calculator
See what you actually keep after FTMO's profit split — 80% on the 2-Step Challenge, 90% flat on the 1-Step, or scaling toward 90% via the Scaling Plan or Premium Programme — and the reward rules that decide when that money can leave the account.
- Firm keeps
- --
- Effective split
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Why the same FTMO profit can pay out at 80% or 90%
FTMO does not run one flat split for every trader. Which Challenge you took decides your starting rate, and on the 2-Step Challenge, two separate FTMO programmes can push that rate from 80% up to 90% — through different qualifying conditions, and either one (or both) can be active on your account at once.
FTMO payout rules: what decides when you actually get paid
The split decides your share of the profit. These rules decide whether — and how soon — that profit is payable at all.
Split by Challenge type
The 1-Step Challenge pays a flat 90% split from your very first reward — it does not scale. The 2-Step Challenge starts at 80% and can reach 90% through either of two separate FTMO programmes (below), which can both be active on the same account at once.
Two routes to 90%: Scaling Plan vs. Premium Programme
The Scaling Plan raises your split alongside a 25% account-size increase every 4 months, gated on tenure (4+ months as an FTMO Trader), cumulative profit (10%+ of capital), at least 2 processed rewards, and a positive balance. The Premium Programme is unlocked separately by reward history alone — at least 4 successful withdrawals of 4%+ profit each, with no failed account in the past 4 months — and also grants a 90% split plus other perks. They are independent programmes; FTMO’s own FAQ confirms a trader can qualify for both at once.
Reward timing
FTMO’s own help pages describe reward requests as available on-demand from the 14th calendar day after your first trade on the funded account onward — not a fixed calendar cycle. Some third-party sites describe a fixed biweekly (1st/15th) schedule; that appears to conflict with FTMO’s current published wording, so treat it as unconfirmed until you check your own dashboard.
Minimum trading days — evaluation only
FTMO’s "Minimum Trading Days" rule (commonly 4 days) is an evaluation objective for the Challenge and Verification phases. It does not carry over to the funded account — the funded-stage gate is the separate 14-calendar-day wait above, not a trading-day count. Do not confuse the two.
The Best Day Rule
On the 1-Step Challenge only, your best single day cannot exceed 50% of your total profit from winning days, or the reward can be held until you bring it back under the threshold. It has no equivalent on the 2-Step Challenge, Verification, or the funded stage. Check it separately with the consistency rule calculator.
How to use this calculator
- 01
Enter the profit
The profit made in one reward cycle, in dollars. If you only want a single payout, that is all this calculator needs.
- 02
Set your profit split
Opens at 80%, the 2-Step Challenge baseline. If you trade the 1-Step Challenge, change it to 90% — FTMO pays 1-Step traders that flat rate from day one, with no scaling required.
- 03
Leave scaling on to project toward 90%
FTMO has two separate routes from 80% to 90% on the 2-Step Challenge: the Scaling Plan and the Premium Programme. The calculator projects a milestone in payout count; the worked example below explains what each real programme actually requires.
- 04
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 FTMO takes its cut, summed across every reward cycle you projected.
- Firm keeps
- FTMO’s share of the same profit — 20% at the 80% baseline split, shrinking to 10% once your split reaches 90%.
- 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 you trade a 2-Step FTMO account at the 80% baseline split. Your first two rewards each bring in $2,000 of profit: at 80% you keep $1,600 each time, $3,200 total, with FTMO keeping $800.
After your second processed reward you clear the Scaling Plan’s payout-count condition (2 processed rewards) — in practice you would also need 4+ months of tenure and 10%+ cumulative profit for the real programme, which the calculator does not check for you. From your third reward onward, model the split at 90%: a third $2,000 reward now pays you $1,800.
Your fourth reward is also at 90%, another $1,800. Across all four rewards you made $8,000 in profit and kept $6,800 of it — an effective split of 85%, above your starting 80% because the later, higher-split rewards pull the blended average up. Run your own reward size and milestone above to see your own blended number.
From the trading desk
This site is built by a trader running FTMO Challenges, and the two-programme split path is the detail that trips people up most: chasing the Scaling Plan's payout-count condition while overlooking its tenure and cumulative-profit requirements means expecting 90% a reward or two before it actually lands. The journal tracks each attempt against the real numbers, split included. If you want the bigger picture first, the pass probability calculator models the whole Challenge, and the FTMO drawdown calculator shows the Maximum Loss floor that has to survive before any of this profit is yours to split.
Frequently asked questions
What is FTMO’s profit split?
It depends on the Challenge type. The 1-Step Challenge pays a flat 90% from your first reward. The 2-Step Challenge starts at 80% and can rise to 90% through the Scaling Plan or the Premium Programme.
Does FTMO’s profit split increase over time?
On the 2-Step Challenge, yes — through two separate, independent programmes. The Scaling Plan bundles a split increase with a 25% account-size boost every 4 months, gated on tenure, cumulative profit, and reward count. The Premium Programme reaches 90% through reward history alone (4+ successful 4%-plus withdrawals) and can run at the same time as the Scaling Plan. The 1-Step Challenge is already flat at 90%, so neither programme raises it further.
How often can I request a payout from FTMO?
FTMO’s own help pages describe rewards as available on the 14th calendar day after your first trade on the funded account, and on any day after that — an on-demand model rather than a fixed recurring cycle. Always confirm the current terms in your own FTMO dashboard, since payout mechanics are the kind of detail firms adjust.
Is there a minimum number of trading days before I can withdraw from FTMO?
The commonly cited "4 trading days" rule is an evaluation objective for the Challenge and Verification stages only — it does not gate the funded account’s first payout. The funded-stage gate is a 14-calendar-day wait from your first trade, not a trading-day count.
Does the Best Day Rule affect my FTMO payout?
Only on the 1-Step Challenge. It caps your best single day at 50% of your total profit from winning days; breach it and FTMO can hold the reward until you bring the day back under the threshold. The 2-Step Challenge, Verification, and the funded stage carry no such rule. Check your own numbers with the consistency rule calculator.
Where this calculator stops
It splits the reward figure you give it at the split you set — it does not check whether you actually qualify for the Scaling Plan or Premium Programme (tenure, cumulative profit, reward history), whether the Best Day Rule has capped your eligible profit, or FTMO's current reward-timing rules. Enter your own real numbers, and see the payout rules above for the conditions that decide whether — and how much — profit is payable in the first place.
It also assumes every projected reward cycle earns the same profit, which real trading will not do — treat the multi-cycle projection as a way to see the split-scaling mechanic, not a forecast. FTMO's terms were last checked in July 2026 against its own published FAQ pages; confirm anything payout-critical against your own FTMO dashboard.
Related calculators
Payout calculator, all firms
The same engine with your own numbers, so you can model any firm's split and scaling terms, not just FTMO's.
FTMO drawdown calculator
The split decides what you keep — the Maximum Loss decides whether you have an account left to earn it from. See FTMO's static 10% floor here.
Consistency rule calculator
Check FTMO's Best Day Rule before you request a 1-Step Challenge reward — a breach can hold up the payout this calculator just estimated.
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.