FundingPips

Checked October 2026

FundingPips has the lowest one-time price we could find, $55 for a $10K 2-step Pro account, and the fee is not refunded. The funded account is a simulator, and no pass rate is published. Backtoast is first if you want the payout to come from real trading.

1Backtoast

You pay $99 for two full tests of your own strategy, and a pass is an offer of 30% of the profit Backtoast makes trading it with its own money.

2FundingPips

A $100K 2-step Standard account lists at $652 or $544, depending on the daily-loss option. A reset within 7 days of a breach is discounted, every reset starts you over at phase 1, and all your accounts share a $400K limit. The Zero instant account closes if you do not log seven profitable days in every 30-day period.

The5ers is also a one-time fee, starting at $98 for a $10K account.

Rules

The 2-step Standard asks for 8% and then 5%, with a 3% or 5% daily loss and a 10% maximum loss that stays fixed, and there's no time limit as long as you close a trade every 30 days. The 2-step Pro asks for 6% in each phase, with a 3% daily loss and a 6% maximum loss. On both, the daily loss is measured from the higher of your balance or equity at the start of the day, so open profit you give back overnight counts against you. On a funded Master account, profit from trades opened or closed within 5 minutes of high-impact news can be taken off, and you need the Swing add-on to hold overnight or over the weekend, or open trades are closed for you.

Payouts

The 2-step Standard pays 60% weekly, 80% every two weeks or 100% on demand, and the 2-step Pro pays 80% weekly or 100% on demand. On demand needs 7 profitable days of at least 0.5% each and no day above 35% of your profit, and it puts you under a strike system, where a trade idea that loses 1% of the account is a warning, the second warning halves your split, the third cuts it to 20% and the fourth closes the account. The only route to real money we found is PRIME, which is by invitation, and an account that reaches $2 million there is listed on the Tradin investor marketplace and earns 20% of the profit on investor capital.

Prices are from FundingPips' site on 25 October 2026, and the rules were checked again in its help center on 31 October 2026. Compared on cheapest prop firms for 2026.