Regional notice (EN-NG): Nigeria readers: SEC Nigeria regulates digital assets. Bybit and most prop firms accept NG residents. Currency conversion via local fintech (Flutterwave, Paystack) may be required for payouts.

Free tool

Prop firm true cost calculator — 2026.

Most prop firm landing pages show profit splits. They don't show the expected challenge cost across multiple attempts. This calculator does.

1 — Pick the account size you want to be funded with

2 — Your realistic challenge pass rate

Per-attempt pass probability 50%

5% (new strategy) 95% (proven edge)

Industry average is 8–12% pass rate. Disciplined algorithmic traders with a tested EA typically hit 30–60%. Be honest with yourself.

3 — Monthly return target on the funded account

Expected monthly % on funded capital 5%

1% (conservative) 20% (aggressive)

4 — Comparison

Firm	Challenge fee	Expected total cost*	Avg payout/mo	1st month ROI

* Expected cost = single challenge fee ÷ pass rate. The total you'd spend before getting funded across multiple attempts (statistically).

// notes & assumptions

Challenge fees are 2026 published prices for 2-step Express / equivalent at each firm. They change.
Expected cost divides the single attempt fee by your pass probability. Refunds on success are not modeled (most firms refund on first payout).
Profit split assumes the default tier (typically 80% for FTMO/FundedNext, 75% for The5ers traditional, 90% for Hola Prime).
This is a forecasting tool. Real outcomes vary. Compare the numbers, not the marketing.
Detailed rules per firm: comparison guide.

Prop firm true cost calculator — 2026.

1 — Pick the account size you want to be funded with

2 — Your realistic challenge pass rate

3 — Monthly return target on the funded account

4 — Comparison

// recommended firm

// notes & assumptions