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Prop Firm Profit Splits Explained — How to Keep More of Your Profits

Flux TradingFebruary 22, 20265 min read27 views

You passed your challenge, made $10,000 in your first month of funded trading, and now you're ready to cash out. But wait — the firm takes a cut. How much of that $10K do you actually keep?

That depends on the profit split, and it varies wildly between firms. Let's break it all down.

What Is a Profit Split?

A profit split is the percentage of your trading profits you keep. The rest goes to the prop firm in exchange for providing you with capital and infrastructure.

Example: If you earn $10,000 in profits with a 90/10 split:

  • You keep: $9,000 (90%)
  • Firm keeps: $1,000 (10%)

    • Current Profit Splits by Firm

    Here's how every major firm stacks up:

    100% Profit Split (You Keep Everything)

  • Apex Trader Funding — 100% on your first $25,000 in payouts, then 90%
  • Breakout — Up to 100% on their highest tier
  • Funding Pips — Scales up to 100% based on performance
  • Goat Funded Trader — Up to 100% with their scaling program
  • The5ers — Up to 100% at their highest level

    • 90-95% Profit Split

  • FundedNext — Up to 95%, one of the highest in forex
  • FTMO — Up to 90%, industry standard
  • MyFundedFX — Up to 92.75%
  • Topstep — 90% flat rate

    • 80% Profit Split

  • Earn2Trade — 80%, lower split but excellent education program

    • How Profit Splits Actually Work in Practice

    The advertised profit split isn't always the full story. Here are the nuances:

    1. Starting vs Maximum Split

    Most firms start you at a lower split and increase it as you prove consistency:

  • Funding Pips: Starts at 80%, scales to 100% over time
  • FundedNext: Starts at 80%, scales to 95% with volume
  • Goat Funded Trader: Starts at 80%, scales to 100%

    • 2. Payout Schedules Affect Real Returns

    Even if two firms offer the same split, payout frequency matters:

  • Daily payouts: Breakout — compound faster with crypto profits
  • Weekly payouts: Funding Pips — solid frequency for forex
  • Bi-weekly payouts: Goat Funded Trader, FTMO

    • 3. Fee Recoupment

    Some firms refund your challenge fee with your first payout:

  • Goat Funded Trader — 100% refundable fee
  • FTMO — refunds the challenge fee with first profit split

    • This effectively makes your real profit split higher for the first payout since you're getting money back.

    The Math: Why Profit Splits Matter More Than You Think

    Let's say you earn $5,000/month in funded trading. Over 12 months, here's what you keep at different splits:

    Profit SplitMonthly PayoutAnnual Total
    80%$4,000$48,000
    90%$4,500$54,000
    95%$4,750$57,000
    100%$5,000$60,000

    The difference between 80% and 100% is $12,000 per year — that's real money. Over a funded trading career, this compounds to six figures.

    How to Maximize Your Profit Split

    Strategy 1: Start with High-Split Firms

    If maximizing take-home pay is your priority, choose firms that start at 90%+ or have clear scaling paths to 100%.

    Best choices: Apex Trader Funding (100% first $25K) and Funding Pips (scales to 100%).

    Strategy 2: Scale Up Account Size

    A smaller split on a bigger account can earn more than 100% on a tiny account:

  • $200K account at 80% = keeping 80% of much larger profits
  • $25K account at 100% = keeping 100% of smaller profits

    • Firms like The5ers (scaling to $4M) and Goat Funded Trader (scaling to $2M) offer aggressive scaling programs.

    Strategy 3: Multiple Accounts

    Some firms allow you to hold multiple funded accounts:

  • Apex Trader Funding — up to 20 Performance Accounts
  • FTMO — up to $400K in total funded capital

    • Running multiple smaller accounts lets you earn more total profits even at lower individual splits.

    Which Profit Split Model Is Best?

    It depends on your situation:

    You're just starting out: Don't obsess over splits. Focus on passing the challenge and proving you can be consistently profitable. Even an 80% split on a funded account is infinitely better than 100% of $0.

    You're consistently profitable: Move to firms with 90-100% splits. Every percentage point adds up over time. Consider Apex for futures or Funding Pips for forex.

    You want maximum capital: Focus on scaling programs over splits. A 90% split on a $4M account (The5ers) generates more income than 100% on a $50K account.

    Our Top Picks by Profit Split

  • Best overall value: Apex Trader Funding — 100% on first $25K, $17 entry
  • Best scaling to 100%: Funding Pips — scales from 80% to 100% with zero payout denials
  • Best high-split forex: FundedNext — up to 95% with no time limits
  • Best for maximum capital: The5ers — scales to $4M, up to 100% split

    • Compare all profit splits side by side on our homepage or use the Prop Firm Matcher to find your ideal fit.