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Funded Trading Plus Instant Program: rules and how to get paid
The Funded Trading Plus Instant Program is an instant account: funded from day one, with no challenge to pass. Here are its rules in dollars, how likely it is to pay out, and a plan worked out from its own limits.
In our benchmark the Funded Trading Plus Instant Program is one of the most likely instant accounts to pay out: 86% of attempts reached a first payout, against a middle value of 47% for instant accounts. For reaching a first payout it ranks 2nd of 78 accounts. How the benchmark works.
Test your strategy against the Funded Trading Plus Instant Program
Funded Trading Plus Instant Program rules
- Account type
- Instant funding
- Account size
- $100,000
- Profit target
- None
- Daily loss limit
- 6% ($6,000) of the starting balance
- Maximum loss
- 6% ($6,000), trailing, locks at start
- Minimum trading days
- None
- Time limit
- None
- Consistency rule
- None
- First payout
- On demand, 0.05%+ profit
- Profit split
- 80%
- Price
- $4,499 for $100K
- Rules checked
- 8 Nov 2026, Funded Trading Plus's rules page
Work it out for this account: position size · how much you can still lose today · real cost to get funded · payouts
What you need to make to get paid
| Stage | Profit needed | In R at 0.63% a trade | When | Time limit |
|---|---|---|---|---|
| Funded: first payout | Any profit | – | On demand | – |
R is the amount you lose on one losing trade. At 0.63% risk, 1R is $630.
How to get paid on the Funded Trading Plus Instant Program
- Risk about 0.63% a trade ($630). That was the risk that gave the best chance of a first payout on these rules in our benchmark. Bigger trades finish sooner when they work but breach the limits far more often; smaller trades are safer but can take months. The position size calculator turns that into lots or contracts.
- Stop for the day well before the 6% daily limit. The limit is $6,000, a fixed amount from the starting balance. At 0.63% a trade, 9 losing trades in a row fit inside it. A personal stop at about half the limit (4 losses, about $2,520) leaves room for slippage and for open trades, which many firms count. The drawdown calculator shows your exact room at any moment.
- Get the first 6% in the bank, then it gets easier. Your floor is $6,000 below your highest balance until it reaches your starting balance ($100,000), then it locks there. Until you are $6,000 up, every dollar you give back moves you closer to failing, so trade at your smallest size at the start. That first $6,000 is about 9.5R at 0.63%. Once the floor locks, profit above it is a cushion that no longer trails.
- Getting paid. There is no waiting period before a payout. With an 80% split, you keep $800 of every $1,000 of profit. Keep trading the same way you started: the limits still apply, and the account can still be lost.
- Test your own strategy before you pay. The numbers above come from a made-up trader. Upload your backtest or trade history to see your own pass and payout chance on this account, and use the strategy builder to add a daily stop and loss guards set to these limits.
Mistakes that fail this account
- One revenge trade after a losing morning. The 6% daily limit is the most common way accounts like this fail.
- Letting a winning trade turn into a loser. With a trailing drawdown, a big open profit that comes back costs you room.
- Trading news or holding over weekends without checking Funded Trading Plus's own restrictions, which this page does not cover in full.
Rules to watch at Funded Trading Plus
Experienced and Advanced Trader programs are legacy (no longer sold). Instant: all trades must close by 4:30pm EST Friday; KYC and contract needed for payouts; one trade every 30 days. Source: help.fundedtradingplus.com/instant-program-information/
What it really costs to get funded
A challenge fee buys an attempt, not an account. If you divide the fee by the chance of success, you get what the average trader actually spends, retries included, before it pays off.
- At a 86% chance of reaching a first payout, every $100 of fee works out at about $116 for each first payout.
- At $4,499 for $100K, that is about $5,231 per first payout.
These use our benchmark trader's odds, not yours. A stronger strategy pays less per success and a weaker one pays more, which is why it is worth testing your own trades first. Many firms refund the fee with the first payout; check Funded Trading Plus's terms.
How it compares
The best instant accounts in our benchmark, with this one included for comparison.
| Account | Payout chance | Target | Daily loss | Max loss | Consistency |
|---|---|---|---|---|---|
| Lark Funding Instant Master | 89% | None | 5% | 8% trailing, locks at start | None |
| Funded Trading Plus Instant Program (this one) | 86% | None | 6% | 6% trailing, locks at start | None |
| Instant Funding Clarity (instant) | 84% | None | None | 10% static | None |
| FXIFY Instant Funding | 83% | None | 8% | 8% trailing | None |
| FundedNext Stellar Instant | 83% | None | None | 6% trailing, locks at start | None |
| FTMO Instant Account | 66% | None | 3% | 10% trailing | 30% |
| Hola Prime Direct Account 100K (instant) | 49% | None | 3% | 7% trailing, locks at start | 20% |
How typical traders do on Funded Trading Plus Instant Program
Eleven made-up traders, replayed 1,000 times each against these exact rules at the risk per trade that suited each one best. Every one except the grid sample makes the same average profit a day; only the shape of their results differs, which is what the rules react to. Swing trading does best here (95% reach a first payout), scalping worst (86%).
| Sample trader | Win rate and reward | Trades a day | Reach a first payout | Best risk a trade | Typical trading days | Most failures |
|---|---|---|---|---|---|---|
| Swing trading | 44% at 2R | 0.3 | 95% | 0.75% | 9 | Hit the maximum loss |
| High win rate | 75% at 0.4R | 2 | 95% | 0.75% | 6 | Hit the maximum loss |
| Opening range breakout | 55% at 1R | 1 | 94% | 1% | 1 | Hit the maximum loss |
| Trend following | 34% at 2.5R | 0.5 | 93% | 0.63% | 7 | Hit the maximum loss |
| Position trading | 33% at 4R | 0.15 | 93% | 0.75% | 13 | Hit the maximum loss |
| Mean reversion | 58% at 0.8R | 2 | 92% | 0.5% | 7 | Hit the maximum loss |
| Breakout | 37% at 2R | 1 | 90% | 0.63% | 4 | Hit the maximum loss |
| Day trading | 41% at 1.5R | 3 | 88% | 0.3% | 6 | Hit the maximum loss |
| Low win rate | 20% at 5R | 0.5 | 88% | 0.38% | 7 | Hit the maximum loss |
| Scalping | 54% at 0.9R | 5 | 86% | 0.38% | 4 | Hit the maximum loss |
| Grid and martingale (no edge) | 91% at 0.3R | 2 | 82% | 1% | 2 | Hit the maximum loss |
These are sample traders, not you: they show how the rules treat each style. Upload your own trades in the test centre for your own odds. Reward is the size of a winner in multiples of the amount risked (R).
Been paid on this account? Report your payout so other traders know what to expect.
Took this challenge? Tell us how it went, pass or fail, so other traders can see how real results compare with the test.
Price history
List price now: $4,499. We've tracked this price since 13 Nov 2026, so the 30-day low comes later.
No price changes by Funded Trading Plus since we started tracking on 13 Nov 2026.
List prices from the firm's own site, checked each week. Firms also run short discount codes, which we don't track or link to: PropPassCheck takes no money from prop firms. All rule changes
Rule history
No changes recorded since we started tracking on 9 Nov 2026. Rules last checked 8 Nov 2026. All rule changes.
Questions about the Funded Trading Plus Instant Program
What is the profit target for the Funded Trading Plus Instant Program?
There is no profit target: the Funded Trading Plus Instant Program is funded from the start. To take a first payout you need any profit.
What is the daily loss limit on the Funded Trading Plus Instant Program?
6% of the starting balance, which is $6,000 on a $100,000 account. Breaking it fails the account.
Is the Funded Trading Plus Instant Program drawdown static or trailing?
The maximum loss is 6% ($6,000) and it is trailing until it reaches the starting balance, where it locks. The floor is $6,000 below your highest balance until it reaches your starting balance ($100,000), then it locks there.
Does the Funded Trading Plus Instant Program have a consistency rule?
No. There is no rule limiting how much of your profit can come from one day.
When does the Funded Trading Plus Instant Program pay out, and what is the split?
On demand, 0.05%+ profit. The profit split is 80%.
How likely is the Funded Trading Plus Instant Program to pay out?
In our benchmark (the same made-up trader replayed against every account), 86% of attempts reached a first payout, 2nd of 15 instant accounts.
How much should I risk per trade on the Funded Trading Plus Instant Program?
In our benchmark the best results on these rules came at about 0.63% of the account per trade ($630 on $100,000). Your own best size depends on your win rate and losing streaks, so test your trades in the PropPassCheck test centre.
Will your strategy pass?
The benchmark ranks the rules, not you. Upload a backtest or trade history and PropPassCheck replays it 2,000 times against the Funded Trading Plus Instant Program and every other account, showing your own chance of passing and of reaching a first payout. Nothing is uploaded: it runs in your browser. Open the test centre.
Nothing here is financial advice. Rules change, so confirm them on Funded Trading Plus's own site before you buy.