Prop Firm Payout Calculator
Your real take-home after the profit split and every fee
The profit on your funded account that you are requesting a payout for.
Resets, activation fees, monthly data or platform fees you have paid.
The Real Take-Home Picture
The projection assumes every payout matches this one, which real trading rarely does. It is a pace check, not a forecast.
How Prop Firm Payouts Actually Work
A proprietary trading firm funds you with a simulated or live account after you pass an evaluation, and in exchange keeps a share of the profits you generate. The headline number every firm advertises is the profit split: 80/20 means you keep 80 percent of the profit and the firm keeps 20 percent. Splits across the industry typically run from 50 percent at the low end to 90 or even 100 percent on promotional or scaled plans.
The split is only half the story. You paid a challenge fee to get the account, you may have paid activation fees, monthly platform or data fees, and reset fees after failed attempts. Those costs come out of your pocket before the first payout lands, which is why this calculator reports net after fees and the number of payouts it takes to break even, not just the split itself.
The effective take-home figure is the honest metric: of every dollar of profit you traded, how much actually reaches your bank account once the firm's share and all your fees are counted. For a first payout it is often far below the advertised split, then improves with every payout that follows because the fees are already sunk.
Weighing up whether challenges are worth buying at all, across resets and repeat attempts? The prop firm EV calculator models the whole plan: cost per funded account, lifetime payout value, and expected value per attempt.
Comparing a funded account against trading your own capital? The ROI calculator measures the return on your fee outlay, and the compound interest calculator shows what reinvested payouts can grow into.
What Reduces Your Real Payout
Payout rules and caps. Many firms cap how much you can withdraw per payout window, require a minimum number of trading days before each request, or hold back a buffer above the starting balance. A 90 percent split with a restrictive cap can pay less in practice than an 80 percent split with clean rules. Read the payout policy with the same care you read the split.
Consistency rules. Some firms deny or reduce payouts when too much of your profit came from a single day or trade, commonly capping the best day at 30 to 50 percent of total profit. If your style produces occasional large winners, a consistency rule directly reduces the profit that counts toward a payout.
Resets and repeat fees. Most traders do not pass an evaluation on the first attempt, and each reset or new attempt adds to the fee base this calculator counts. Enter everything you have spent, not just the last fee, to see your true break-even point.
Taxes. Prop firm payouts are generally paid to you as an independent contractor rather than as employment income, so nothing is withheld and you are responsible for the tax. Set a portion of every payout aside and confirm the treatment for your country with a tax professional. Nothing on this page is tax advice.
Frequently Asked Questions
How does a prop firm profit split work?
The split is the percentage of trading profit you keep, with the rest going to the firm. An 80/20 split on $3,000 of profit pays you $2,400 and the firm $600. Splits across the industry typically range from 50% to 90%, with some firms offering 100% on early payouts or promotional plans. The split applies to profit on the funded account; your challenge fee and other costs are separate and come out of your side.
How many payouts does it take to earn back my challenge fee?
Divide everything you have paid (challenge fee, resets, activation and platform fees) by your share of a typical payout, and round up. If you paid $600 in total fees and your share of an average payout is $2,400, one payout covers it. If your average payout share is $400, you need two. Until you cross that line, the account has cost you money.
Why is my real take-home lower than the advertised split?
Because the split ignores your costs. If you paid $500 for a challenge, took an 80% split, and your first payout share is $800, your net so far is $300, which is 37.5% of the $1,000 gross profit you traded, not 80%. The effective take-home rises with each subsequent payout because your fees are already paid.
Are prop firm payouts taxed?
Generally yes. Most firms pay traders as independent contractors, so nothing is withheld and the payout is taxable income in most countries (in the US it commonly arrives on a 1099). Set a portion of each payout aside and confirm the correct treatment with a tax professional for your situation. This calculator and page are not tax advice.
What payout rules should I check besides the split?
Four things decide your real payout experience: the minimum trading days between requests, any cap or buffer on withdrawal amounts, consistency rules that limit how much of your profit can come from one day, and the processing method and time. A slightly worse split with clean payout rules often beats a headline 90% with restrictions.
Methodology
Your share is Gross Profit × (Split ÷ 100). Net after fees subtracts every fee you have entered from that share. Effective take-home divides net after fees by gross profit. Break-even payouts is total fees divided by your share per payout, rounded up to the next whole payout. The 12 month projection multiplies your share by your payout frequency and subtracts fees once; it assumes identical payouts and is a pace illustration, not a prediction of trading results.
All calculations run in your browser and nothing you enter is stored or transmitted. More on how we build and verify our tools is on the methodology page.