How Much Does a Funded Account Cost? Prices From 5K to 200K

When you look for a funded account, the first number you see is a price, and it changes with the account size you pick. Prop firms list the same challenge at several sizes, from a few thousand dollars of trading capital to a couple of hundred thousand, and the price climbs with each step.

That price is only part of what you pay in the end. The rest depends on how many attempts you need and on whether, and when, the firm returns your payment, so the terms deserve as much attention as the price.

Key takeaways

• You pay for a funded account by buying the challenge that earns it, and the account size you choose sets the price.
• A larger account costs more in dollars but usually less for each $1,000 of trading capital, and its loss limits and payout cap grow with it.
• What a challenge really costs you depends on how many attempts you buy and on whether what you paid comes back, and at what point.
• Before you pay, check four things in a firm's terms: the price for your size, the refund condition, the loss limits in dollars and the payout cap.

What you pay for when you buy a funded account

Prop firms advertise funded accounts by size, but what you actually buy is a challenge (a paid trading test with a profit target to reach and loss limits to stay inside). The funded account opens only if you pass, much like a driving test, where the fee buys the test and the license comes with a pass.

Once you pass, you trade the funded account and keep an agreed share of the profit it makes (the profit split). Each firm's terms say whether that account is simulated or live. A simulated account is a demo account on live prices, where no order reaches a market.

The account size you pick (the trading capital the account starts with) sets most of the price. The challenge model sets the rest, since a test with one phase is priced differently from a test with two. Some firms also sell a funded account with no test at all, at a higher price.

How the account size sets the price

The price rises with the account size, though usually more slowly than the size itself. The size also sets the dollar value of every rule you trade under, which means a lower price per $1,000 comes with larger limits, in dollars, to trade inside.

Price per $1,000 of trading capital

Listed prices make a large account look expensive, because they ignore how much capital each dollar buys. A fairer way to compare sizes is to divide the price by the account size in thousands, which gives you the price for each $1,000 of capital. Since prices grow more slowly than sizes, that number tends to fall as the account gets larger.

The lower price per $1,000 only helps on an attempt you pass, though. A failed attempt on a large account still costs more dollars than one on a small account, whatever its price per $1,000.

The rules grow with the account

The size also decides how much room you have to trade. A challenge's loss limits set the most the account may lose, in one day or in total, before it closes. Its payout cap sets the most profit one payout request can cover. Both kinds of rule are written as percentages of the starting balance, so their dollar value grows with the account.

A daily loss limit of 5 percent, for example, is $250 on a $5,000 account and $10,000 on a $200,000 one. The percentage stays the same, which means a larger account does not make the test easier. You need larger positions to reach the same target, and a bad day costs more dollars before the account closes.

What a challenge costs you in the end

A challenge's real cost is its price times the attempts you buy, minus what the firm returns, plus anything added on top. When you break one of a challenge's rules, the challenge ends, and the money paid for it goes with it. Starting again usually means buying a new challenge, and each firm's terms say whether that second attempt costs the full price or less.

Whether the payment comes back

The second thing to check is whether your payment can come back. A fee the firm keeps is gone whether you pass or fail, so the listed price is the whole cost of that attempt. A refundable deposit comes back once you meet a condition in the terms, and that condition can come after the pass, such as your first payout. A trader who meets it gets the deposit back, while a failed attempt costs exactly what a kept fee would.

Firms that charge after you pass turn the order around. They ask for little or nothing up front and collect the main charge when you pass, so a failed attempt costs little and a successful one carries the bill. Comparing that model with a deposit takes a few extra numbers, which the guide to deferred-fee pricing works through.

Add-ons and monthly fees

Some costs come on top of the listed price. A firm may sell a higher profit split, a refund of the fee or a change to the rules as a paid add-on at checkout. Some firms charge a monthly subscription instead of a single price, which means the same listed number can mean one payment or a recurring one.

Two firms with the same listed price for the same size can therefore end up far apart in what they cost you. To compare firms on all of this at once, a comparison of challenge prices across crypto prop firms sorts them by sticker price and by what you get back.

HyroTrader's prices from $5,000 to $200,000

HyroTrader is our crypto prop firm, and our price list shows how these points work out at one firm. Every account we provide, from the challenge to the funded stage, is a simulated (demo) account on live market data. Payouts are paid in real money, in USDT or USDC (two stablecoins pegged to the US dollar), within 24 hours of a valid request.

We sell three challenge models, and none of them charges a monthly fee. One-Step and Two-Step (one or two test phases) take a Refundable Challenge Deposit, which comes back in full with your first payout on the funded account. Zero-Step is a one-phase test too, but it needs only one trading day where One-Step needs five, which makes it the fastest route. It takes a Challenge Fee in place of a deposit, and that fee is returned only if you cancel before you start the challenge.

What each size costs

The table lists the price of each size and model, with the payout cap, which is the most profit one payout request can cover before the split. A promotion can lower the price you see at checkout.

Per $1,000 of capital, Two-Step costs about $12 on the two smallest accounts and about $4.85 on the $200,000 account. The payout cap is 5 percent of the starting balance on every model, so it grows with the size, whichever model you choose.

Payouts are on demand, so you can request one whenever the account is in profit and your share comes to at least $100. At our 80 percent profit split (up to 90 percent on One-Step and Two-Step, at our discretion as you scale), a full $2,500 request on a $50,000 account pays you $2,000. Profit above the cap is cleared from the account unpaid when the payout goes out, so request one by the time your profit reaches the cap.

A $50,000 account, worked through

On a $50,000 account, Zero-Step and One-Step each ask for $5,000 of profit (10 percent) in their single phase. Two-Step asks for the same $5,000 in its first phase, and none of the three has a time limit. Two-Step has the lowest price, $379, and the widest limits, $2,500 a day and $5,000 in total (5 and 10 percent). In return it adds a second phase with its own, separate target of $2,500 (5 percent).

One-Step costs $499 for a single phase, with limits of $2,000 and $3,000 (4 and 6 percent). Zero-Step costs the most, $629, and has the tightest limits, $1,500 and $2,500 (3 and 5 percent), in return for its one-day minimum. All of these limits are static (fixed from the starting balance), so their dollar amounts never rise with your profit.

If you pass at the first attempt on One-Step or Two-Step, the deposit comes back in full with your first payout. If you fail once and pass on the second attempt, the totals look like this.

• Zero-Step costs $1,258 for two Challenge Fees, and neither comes back.
• One-Step costs $998, and the $499 deposit of the passing attempt returns with your first payout, so the two attempts cost you $499.
• Two-Step costs $758, and $379 returns the same way, so the two attempts cost you $379.

The One-Step and Two-Step figures assume the funded account reaches that first payout, because the deposit returns with the payout rather than with the pass.

What else you pay

Beyond the price in the table, nothing else is charged, so that number is the full cost of an attempt. There is no monthly fee, no paid add-on and no fee to withdraw a payout, and we cover the blockchain fee for sending it. A second attempt costs the full price again. Because the accounts are simulated, your losses stay on the account, which means a failed attempt never costs you more than that price.

If you want to try trading inside a daily limit before you pay, our free trial runs on accounts from $5,000 to $200,000 for seven days, with no card. It has its own rules (a 5 percent target, a 5 percent daily limit and a 10 percent maximum loss). Because it pays nothing out, treat it as practice rather than a step toward funding.

Which account size should you choose?

Choose the size whose daily loss limit, in dollars, sits comfortably above a bad day for you, because a limit you have to trade around tends to end attempts early. A larger payout cap only helps if your position sizes grow with the account.

If you have never traded inside a daily loss limit, the price of a failed attempt matters more than the price per $1,000. A smaller size keeps that price low while you get used to trading inside the limit.

Once you know which size fits, compare the three models at that size and choose your HyroTrader challenge.

Note: the prices, limits and payout caps above are our published values as of October 2026, and a promotion can lower the price at checkout. The trading rules page is where every limit is kept up to date, and it is the version that applies. Read it before you buy a challenge or plan a payout around these numbers.