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Create AccountProp Firm Payout Calculator
Work out what a profit split actually pays you, once the challenge fee is counted.
Your Result
The calculation runs in your browser. Rates used for currency conversion are indicative — check your broker for the exact figure.
A ninety percent profit split sounds close to keeping everything, and on the second payout it nearly is. On the first one it rarely works out that way, because the challenge fee has to be earned back before anything is genuinely profit — and on a small account that fee can be a large share of the first withdrawal.
This calculator puts the fee next to the split so the first payout is honest. It also shows the return on the fee itself, which is the number worth comparing across firms: a cheap challenge with a worse split often beats an expensive one with a better split.
When to use it
- Before buying a challenge, to see what passing is actually worth.
- When comparing two firms with different fees and different splits.
- When deciding between a larger account with a bigger fee and a smaller one.
- Before a first withdrawal, to know what will actually arrive.
The split applies to the profit, and the fee comes out of what is left — unless the firm returns it.
Gross Profit = Account Size × Profit %
Your Share = Gross Profit × Split %
Take-Home = Your Share − Fee, or Your Share + Fee if refunded
Return on Fee = Take-Home ÷ Fee- Most firms refund the challenge fee with the first payout, which flips it from a cost into a bonus. Check before assuming either way.
- The split is applied to profit only, never to the account size. Eight percent on a $100,000 account is $8,000 of profit, not $8,000 of your money.
- Payment processing and currency conversion are not included and can take a further one to three percent.
A $100,000 account up 8%, an 80% split, and a $500 challenge fee that is not refunded.
Working: $8,000 × 80% = $6,400, less the $500 fee leaves $5,900. If the firm refunds the fee instead, the payout is $6,900 and the return on the fee jumps to 13.8 times.
Do most firms refund the challenge fee?
Most do, with the first payout, but not all and not always in full. It is one of the largest differences between two otherwise similar offers, so it is worth confirming before buying.
Is a 90% split always better than 80%?
Not necessarily. A 90% split on a challenge costing twice as much needs a much larger profit before it catches up. Compare the take-home on a realistic profit, not the headline percentage.
How often can I withdraw?
Typically every two or four weeks, sometimes with a minimum profit before the first request. Some firms improve the split after a number of successful payouts.
Does the profit target matter for the payout?
Only for passing the challenge. Once funded, you are paid on the profit you actually make, whether that is above or below the original target.
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