Funded Trader Profit Split Calculator: Calculate Your...
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A profit split calculator helps funded traders calculate their exact take-home earnings from any prop firm based on gross profits and profit split percentage. The formula is simple, but the real insight is understanding what split percentage means in absolute dollar terms — not just as a number on a marketing page.
The standard formula: Your Payout = Gross Profit × (Your Split % ÷ 100)
How Profit Splits Work
When you generate profits on a funded account, the firm takes a percentage and you keep the rest. An 80/20 split means you keep 80%; the firm keeps 20%. Most competitive firms in 2025 offer 80–90%, with some offering 100% on initial profits up to a threshold.
What matters most isn't the split percentage alone — it's the combination of split percentage × account size × monthly return rate. A 90% split on a $50,000 account earning 5% monthly generates less than an 80% split on a $200,000 account earning 5% monthly.
Profit Split Calculation Examples
Basic Calculation
Formula: Payout = Gross Profit × Split %
| Account Size | Monthly Return | Gross Profit | 80% Split | 90% Split |
|---|---|---|---|---|
| $25,000 | 5% | $1,250 | $1,000 | $1,125 |
| $50,000 | 5% | $2,500 | $2,000 | $2,250 |
| $100,000 | 5% | $5,000 | $4,000 | $4,500 |
| $200,000 | 5% | $10,000 | $8,000 | $9,000 |
| $300,000 | 5% | $15,000 | $12,000 | $13,500 |
Multi-Account Portfolio Calculation
Many funded traders run multiple accounts simultaneously. Here's a practical multi-account example:
| Account | Account Size | Monthly Profit | Split | Your Payout |
|---|---|---|---|---|
| Apex #1 | $100,000 | $4,500 | 90% | $4,050 |
| Apex #2 | $100,000 | $3,000 | 90% | $2,700 |
| Topstep | $50,000 | $2,000 | 90% | $1,800 |
| TradersYard | $100,000 | $5,000 | 90% | $4,500 |
| Total | $350,000 | $14,500 | — | $13,050 |
Profit Split Comparison Table
| Firm | Standard Split | Maximum Split | Notes |
|---|---|---|---|
| TradersYard | 80% | 90% | Fast payouts; sub-4-hour processing |
| Apex Trader Funding | 90% | 100% | 100% on first $25K; 90% after |
| Topstep | 90% | 100% | 100% on first $10K; 90% after |
| FTMO | 80% | 90% | 90% via scale-up plan |
| FundedNext | 80% | 95% | Profit share split model |
| FundingPips | 80% | 100% | 100% on specific payout cycles |
| Blue Guardian | 85% | 90% | Fast payout; consistent payouts documented |
What You Actually Take Home
The headline split percentage isn't always the full picture. Consider these factors that affect your real take-home:
- Payment method fees: International bank wires cost $15–$45. Crypto withdrawals have network fees. Wise and PayPal may charge 1–2%.
- Tax obligations: Prop trading income is taxable in virtually all jurisdictions. Budget 20–40% for taxes depending on your country and income level.
- Challenge fees amortised: If you spent $1,200 on challenge fees over 4 attempts before getting funded, that's a cost to deduct from your first year's earnings.
- Platform/activation fees: Monthly fees (Apex: $85/month) or activation fees (Bulenox: $98–$898) reduce net earnings.
Example — Real Net Earnings for a $100K account at 90% split, 5% monthly return:
- Gross profit: $5,000/month
- Your 90% split: $4,500
- Platform fee: −$85 (Apex model)
- Payment fee: −$15 (wire)
- Tax provision (30%): −$1,350
- Net take-home: ~$3,050/month
How to Maximise Your Take-Home
- Choose higher splits where available: The difference between 80% and 90% on a $100K account at 5% monthly return is $500/month — worth prioritising
- Use crypto for withdrawals where possible: Avoids international wire fees; fastest delivery
- Scale your account rather than increasing risk: Doubling your account size doubles your payout at the same risk percentage — far safer than doubling lot sizes
- Work with a tax professional: Funded trader income structuring varies by jurisdiction; proper accounting can save 5–15% of gross earnings
- Run multiple accounts: Diversifying across 3–5 firms at multiple account sizes multiplies income without proportionally increasing risk
FAQ
What is the best profit split in the prop firm industry?
Apex Trader Funding and Topstep both offer 100% of profits up to a threshold ($25K and $10K respectively), then 90%. For ongoing funded accounts, most competitive firms are converging on 80–90% as standard, with some offering 95–100% on specific payout cycles.
How is profit calculated at a prop firm?
Your gross profit is the total profit generated on the account during the payout period. The firm multiplies this by the split percentage to determine your payout. Some firms use a "profit share" model based on account equity gains rather than periodic profit cycles — read your specific firm's terms.
Do prop firms take the same split for all withdrawal sizes?
Yes — the split applies to all profits regardless of amount. However, some firms offer increased splits (from 80% to 90%) after a trader has accumulated a track record of consistent payouts or has scaled to a higher account tier.
Up to 90% Profit Split at TradersYard
TradersYard offers competitive profit splits up to 90%, with payouts processed in under 4 hours. No hidden fees, no surprises — just fast access to your earnings.
Get Funded at TradersYard