Free Tool · 2026 Split Rules
Prop Firm Payout Calculator
Enter your gross trading profit and see exactly what you take home from Apex, Topstep, MyFundedFutures, and FTMO — side by side. Includes Topstep's first-$10k at 100% rule.
Payout split comparison
| Firm | Split | First Payout Minimum | Payout Frequency |
|---|---|---|---|
| Apex Trader Funding | 90% flat | After 8 consecutive profitable months | Monthly |
| Topstep | 90/10 from $1 (100% first $10k if pre-Jan-12-2026) | Meet funded account balance minimum | On request (weekly eligible) |
| MyFundedFutures (MFFU) | 80% standard / 90% upgraded | After minimum trading days met | On request |
| FTMO | 80% base up to 90% scaling | After passing challenge + verification | Monthly (on-demand scaling) |
Understanding the splits
Topstep's tiered 100% structure
Topstep used to be unique among major prop firms in paying 100% of the first $10,000 in trading profits per funded account before dropping to 90%. As of January 12, 2026, that only applies to traders who joined before that date — new accounts get a flat 90/10 split from dollar one, matching Apex's rate. If your Topstep account predates the cutoff, confirm your grandfathered status on your dashboard before relying on the old math.
Apex's flat 90% split
Apex applies a flat 90% split from the first dollar you withdraw. There is no tiered system. The catch is the qualification requirement: Apex requires 8 consecutive profitable calendar months before you become eligible to request any payout. This is longer than most competitors but is offset by Apex's relatively generous drawdown rules and no daily loss limit.
MFFU's upgrade path
MyFundedFutures starts at an 80% trader split by default. Traders can purchase a plan upgrade to increase the split to 90%. Factor in the cost of the upgrade when deciding whether it is worth it based on your expected monthly profits.
Frequently asked questions
Which prop firm has the best payout split?
For the first $10,000 earned on a funded account, Topstep offers the best split at 100% — the trader keeps everything. After $10,000, Topstep drops to 90%, the same as Apex. For traders making more than $10,000 total, Apex's flat 90% ends up nearly identical. MFFU starts at 80% standard but can be upgraded to 90%, making it competitive. FTMO's 80% base is the lowest among the major firms but can reach 90% via the scaling plan.
How often does Apex pay out?
Apex processes payouts on a monthly cycle. To become eligible, Apex Trader Funding requires 8 consecutive profitable calendar months on the funded account. Once eligible, payouts are requested through the trader dashboard and are typically processed within a few business days. The 8-month qualification window is notably longer than Topstep and MFFU.
Can you request a payout at any time?
It depends on the firm. Topstep allows payout requests once you meet a minimum funded account balance requirement — eligible traders can request payouts on a weekly basis. Apex requires the 8-consecutive-month qualification period before any withdrawal. MyFundedFutures allows payouts after minimum trading days are met and balance requirements are satisfied. Always check your firm's current withdrawal policy directly before assuming eligibility.
Does FTMO have a scaling plan?
Yes. FTMO offers a scaling plan where traders who consistently hit profit targets over multiple months can have their account size increased by 25%. The base payout split starts at 80%, and traders on the scaling plan can earn up to 90%. FTMO is primarily a forex and CFD firm — futures traders will generally find Apex or Topstep more suitable for their instruments and rule structures.
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