FTMO vs Instant Funding: which is easier to pass and pay out?
FTMO and Instant Funding compared on their own published rules: profit targets, loss limits, consistency rules and payouts, plus how each account did in our benchmark, where the same made-up trader is replayed against every account. On our 8 measures, Instant Funding comes out ahead on 5 and FTMO on 2, with 1 level.
The verdict, category by category
| FTMO | Instant Funding | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | 1-Step Challenge: 54% | One-Phase Pro: 60% | Instant Funding |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | 2-Step Challenge: 46% | One-Phase Pro: 43% | FTMO |
| Instant funding funded from day one, no challenge | Instant Account: 66% reach a payout | Clarity (instant): 84% reach a payout | Instant Funding |
| Most room before failing largest maximum loss; static beats trailing | 10% static (2-Step Challenge) | 10% static (Clarity (instant)) | Level |
| Highest profit split | 90% | 80% | FTMO |
| Quickest first payout | 14 days | On demand | Instant Funding |
| Accounts with no consistency rule | 1 of 3 | 1 of 2 | Instant Funding |
| An account with no daily loss limit | No | Yes | Instant Funding |
Which should you choose?
- Choose FTMO if you want the best chance of passing and then reaching a first payout; you expect to be paid often and want to keep more of each payout.
- Choose Instant Funding if you want the challenge that is easier to pass on its rules; you want to skip the evaluation and be funded straight away; you want your first payout as soon as possible; you make most of your profit on a few big days; you hold through volatile sessions and a daily limit would cut you off.
- Still not sure? The right firm depends on your strategy, not ours. Upload your backtest and see your own pass and payout chance at both.
Test your strategy at FTMO Test at Instant Funding
1-step challenges: FTMO 1-Step Challenge vs Instant Funding One-Phase Pro
| FTMO | Instant Funding | |
|---|---|---|
| Account | 1-Step Challenge | One-Phase Pro |
| Profit target | 10% | 10% |
| Daily loss limit | 3% | 3% of day's balance |
| Maximum loss | 10% trailing | 8% static |
| Minimum days | None | 3 |
| Time limit | None | None |
| Consistency rule | 50% | 40% |
| First payout | After 14 days, 0.1%+ profit | On demand, 1.5%+ profit |
| Profit split | 90% | Not stated |
| Price | $557.01 for $100K | Not listed |
| Pass chance (benchmark) | 54% | 60% |
| First payout chance (benchmark) | 40% | 43% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $250 | $233 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Instant funding accounts: FTMO Instant Account vs Instant Funding Clarity (instant)
| FTMO | Instant Funding | |
|---|---|---|
| Account | Instant Account | Clarity (instant) |
| Profit target | None | None |
| Daily loss limit | 3% | None |
| Maximum loss | 10% trailing | 10% static |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | 30% | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 0.1%+ profit |
| Profit split | 90% | 80% |
| Price | $3,347.66 for $100K | Not listed |
| First payout chance (benchmark) | 66% | 84% |
| Best risk per trade | 0.5% | 0.75% |
| Fee spent per first payout, per $100 | $152 | $119 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Where a firm has more than one account of a type, the one that did best in our benchmark is shown. "Fee spent per first payout" is what every $100 of challenge fee works out at once failed attempts are counted.
Every account at both firms
| Firm | Account | Type | Profit target | Daily loss | Max loss | Consistency | First payout | Split |
|---|---|---|---|---|---|---|---|---|
| F | 2-Step Challenge | 2-step | 10% / 5% | 5% | 10% static | None | After 14 days, 0.1%+ profit | 80% |
| F | 1-Step Challenge | 1-step | 10% | 3% | 10% trailing | 50% | After 14 days, 0.1%+ profit | 90% |
| F | Instant Account | Instant funding | None | 3% | 10% trailing | 30% | After 14 days, 0.1%+ profit | 90% |
| IF | One-Phase Pro | 1-step | 10% | 3% | 8% static | 40% | On demand, 1.5%+ profit | Not stated |
| IF | Clarity (instant) | Instant funding | None | None | 10% static | None | After 14 days, 0.1%+ profit | 80% |
About the two firms
FTMO
FTMO, founded in the Czech Republic in 2015, is the best-known prop firm and the benchmark others are measured against. Its 2-Step Challenge (10% then 5%, a 5% daily limit, a 10% maximum loss fixed to your start and 4 minimum days) is one of the more forgiving evaluations in our directory.
Forex & CFDs · Czech Republic · founded 2015 · MT4, MT5, cTrader, DXtrade
Rules to watch: Daily loss is checked on equity (open trades count) and resets at 00:00 CE(S)T. 1-Step and funded accounts: best day must be 50% or less of total closed profit (orders from 12 Oct 2026). First reward can be requested from day 14 after the first trade. Instant Account (Oct 2026): 3% daily, 10% intraday trailing, 30% consistency, 90% split. Sources: ftmo.com/en/trading-objectives/ and ftmo.com/en/faq/how-do-i-withdraw-my-profits/
Instant Funding
Despite the name, Instant Funding offers an evaluation too. One-Phase Pro needs 10% with a 3% daily limit and an 8% maximum loss fixed to your start, then pays on demand once profit reaches 1.5% or $25, though a 40% consistency rule applies.
Forex & CFDs
Rules to watch: One-Phase Pro: on-demand payouts once profit is 1.5% or $25. Clarity (instant): no daily limit; 10% max loss tightens to 5% once the account is 5% up (modelled as 10% static); a 2.5% account drawdown flag halves the split, a second flag breaches. Sources: instantfunding.com/help/one-phase/ and instantfunding.com/help/instant-funding-clarity/
Questions
Is FTMO or Instant Funding easier to pass?
Instant Funding. In our benchmark, the same made-up trader passed FTMO's 1-Step Challenge 54% of the time and Instant Funding's One-Phase Pro 60%.
Which is more likely to pay out, FTMO or Instant Funding?
Of their challenges, FTMO's 2-Step Challenge (46%) gave the better chance of passing and reaching a first payout in our benchmark, against 43% for Instant Funding's One-Phase Pro. FTMO's Instant Account and Instant Funding's Clarity (instant), an instant account with no challenge, reached a payout 66% and 84% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FTMO or Instant Funding?
FTMO, with up to 90% against 80%.
Which gives more room on drawdown, FTMO or Instant Funding?
FTMO's most forgiving account allows 10% static (2-Step Challenge); Instant Funding's allows 10% static (Clarity (instant)). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FTMO and Instant Funding have consistency rules?
FTMO: 2 of 3 accounts do. Instant Funding: 1 of 2 accounts do.
More comparisons
- FTMO vs The5%ers
- FTMO vs FundedNext
- FTMO vs FundingPips
- FTMO vs E8 Markets
- FTMO vs Alpha Capital Group
- FTMO vs FXIFY
- FTMO vs Maven Trading
- FTMO vs Blue Guardian
- FTMO vs Goat Funded Trader
- FTMO vs FTUK
- FTMO vs City Traders Imperium
- FundedNext vs FundingPips
PropPassCheck isn't paid by either firm and has no affiliate links. The benchmark ranks rules, not your trading. Confirm the rules on each firm's site before you buy.