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PortuguêsWhat Is a Funded Trading Account? The Complete 2026 Guide
A funded trading account lets you trade a prop firm's simulated capital and keep most of the profit. Here's how funded accounts work, the rules, and how to get one.
Omar BelhadjHead of Operations
A funded trading account is an account provided by a proprietary trading firm that lets you trade the firm's simulated capital and keep a share of the simulated profits, instead of risking your own money. You either pass an evaluation or choose instant funding to access the account, then trade within a clear set of rules and request payouts on your gains.
This guide explains how funded accounts work, the rules you need to know, the profit splits, and the steps to get funded.
Key takeaways
- A funded account lets you trade a firm's simulated capital and keep most of the simulated profit.
- You access one by passing an evaluation or choosing instant funding.
- Every funded account has rules: a profit split, a daily loss limit, and a maximum drawdown.
- Funded accounts remove the need for large personal capital, but you must trade within the rules to keep the account.
What is a funded trading account?
A funded trading account is a trading account backed by a proprietary trading firm (a prop firm). The firm provides the simulated capital, you provide the trading skill, and any simulated profit is split between you and the firm. Because you are not risking your own savings, a funded account lets skilled traders operate at a larger size than they could personally afford, while the firm manages its risk through clear trading rules.
How funded trading accounts work
The process is straightforward. You choose an account size, gain access (by evaluation or instant funding), and begin trading within the firm's rules. As you generate simulated profit, you can request a payout of your agreed share. Break a rule, such as exceeding the maximum drawdown, and the account can be closed, which is why risk management matters more than any single trade.
Evaluation vs instant funded accounts
There are two main ways to get a funded account:
- Evaluation (challenge): you prove yourself by hitting a profit target within the rules, then get funded. This route usually has the lowest entry fee.
- Instant funding: you skip the test and start trading a simulated funded account immediately, usually for a higher, often refundable, fee.
We compare both in detail in instant funding vs evaluation.
Common rules: drawdown, targets, profit split
| Rule | Typical range | What it means |
| Profit split | up to 80% to 95% | Your share of the simulated profit |
| Daily loss limit | around 5% | Maximum you can lose in one day |
| Maximum drawdown | around 10% | Maximum total loss before the account closes |
| Profit target (evaluation) | around 8% to 10% | The goal you hit to get funded |
| Payout speed | 24 hours to weekly | How fast approved payouts are sent |
Two drawdown types matter most: static and trailing. Learn the difference in static and trailing drawdown, and see how to protect your account in controlling drawdown in funded trading.
How to get a funded trading account
- Choose a firm and account size that match your strategy and budget.
- Pick your route: an evaluation for a lower fee, or instant funding to start today.
- Trade within the rules, respecting the daily loss limit and maximum drawdown.
- Hit the target (for evaluations) or simply trade consistently (for instant funding).
- Request your payout and, where offered, scale to a larger account over time.
New to challenges? Start with how to pass a prop firm challenge.
Pros and cons of funded accounts
- Pros: trade larger size without risking personal savings, keep most of the simulated profit, access professional platforms, and scale over time.
- Cons: you pay an entry fee, you must follow strict rules, and breaking a rule can end the account.
How FundYourFX funded accounts work
FundYourFX provides simulated funded accounts through instant funding and evaluation routes, with funding that scales up to 6 million dollars in simulated capital. Across programs you get up to a 95% profit split, no consistency rules, simulated payouts within 24 hours, and an entry fee refunded after three payouts. Explore Instant Funding or the 1-Step Evaluation to begin.
Frequently asked questions
What is a funded trading account?
It is an account provided by a prop firm that lets you trade the firm's simulated capital and keep a share of the simulated profit, rather than risking your own money.
How do you get a funded trading account?
You either pass an evaluation by hitting a profit target within the rules, or choose an instant funding account and start trading immediately.
How much can you keep from a funded account?
Profit splits typically range up to 80% to 95% of the simulated profit, depending on the firm and program.
Can you lose a funded trading account?
Yes. If you break a rule, such as exceeding the daily loss limit or maximum drawdown, the account can be closed, which is why risk management is essential.