FTMO Pricing Explained: All Plans, Costs & Fees (2026)

FTMO Pricing Overview

FTMO is one of the most established proprietary trading firms in the industry, offering funded trading accounts up to $200,000. Unlike traditional brokers, FTMO doesn't charge monthly subscription fees for ongoing trading—instead, you pay a one-time challenge fee to qualify for a funded account. The entry point starts at $155 per month for their $10K Challenge, with a completely free trial available if you want to test the platform before committing any capital.

Founded in 2015 and headquartered in Prague, FTMO has built a reputation for rigorous trader evaluation, transparent profit splits (up to 90%), and strict risk management. Their pricing structure is designed to filter for disciplined traders while keeping barriers to entry reasonable compared to other prop firms.

All FTMO Plans Compared

FTMO offers six pricing tiers, each with the same evaluation rules but different account sizes and fee structures:

Plan	Account Size	Challenge Fee	Profit Split
Free Trial	$10K (demo)	$0	N/A
$10K Challenge	$10,000	$155/mo	Up to 90%
$25K Challenge	$25,000	$250/mo	Up to 90%
$50K Challenge	$50,000	$345/mo	Up to 90%
$100K Challenge	$100,000	$540/mo	Up to 90%
$200K Challenge	$200,000	$1,080/mo	Up to 90%

All paid plans include access to FTMO's trading platforms (MT4, MT5, cTrader, and DXtrade), real-time performance analytics, risk management tools, trading journal features, and educational resources. The challenge involves a two-phase evaluation where you must meet specific trading objectives—once passed, you gain access to a funded account where you earn profits according to your selected tier.

Free Plan / Free Trial

FTMO's Free Trial is genuinely free and one of the most generous in the prop trading industry. You get:

• Full access to a $10,000 demo trading account
• Unlimited retakes—fail and try again at no additional cost
• Same platform access and evaluation rules as paid plans
• No credit card or payment information required
• 60-day time limit to complete the challenge

The Free Trial is genuinely worth starting with if you're new to prop trading or evaluating platforms. Since you get unlimited attempts, you can test FTMO's rules, platform usability, and trading environment without financial risk. However, keep in mind the $10K trial account is smaller than most paid tiers, so results may not perfectly reflect larger account performance due to different position sizing and psychological factors.

Hidden Costs and Fees

FTMO's pricing is relatively transparent, but several costs aren't always obvious upfront:

• Non-refundable challenge fees on failure: If you fail the evaluation twice, your fees are gone. A trader attempting the $50K Challenge three times spends $1,035 in non-refundable fees before reaching a funded account.
• Challenge fee refund (limited): FTMO refunds your challenge fee on your first successful payout, but only once. Subsequent failures mean new fees.
• Spread costs: While FTMO doesn't charge commissions on trades, their MT4/MT5 spreads are typically wider than retail brokers (around 1-2 pips on major pairs).
• Withdrawal fees: FTMO covers withdrawal processing, but some payment methods may have third-party fees (varies by region).
• Platform costs: Premium data feeds or advanced charting tools aren't included and would require external subscriptions.
• Compliance rules breach penalties: Violating FTMO's strict rules (5% daily drawdown limit, 10% maximum drawdown) immediately disqualifies you—your fees are forfeited with no refund.

The biggest hidden cost is opportunity cost: traders typically spend 2-4 months attempting challenges before passing, during which they're paying fees but earning nothing.

FTMO Pricing vs Competitors

How does FTMO's pricing stack up against other major prop firms? Here's an honest comparison:

Firm	$10K Entry Fee	$50K Entry Fee	Profit Split
FTMO	$155/mo	$345/mo	Up to 90%
Apex Traders Funding (approx.)	$99	$299	Up to 80%
The Funded Trader (approx.)	$199	$399	Up to 70%
E8 Markets (approx.)	$179	$359	Up to 85%

Note: Competitor pricing is approximate and updated to early 2026. Check directly with firms for current rates.

The Verdict: FTMO's pricing is mid-range—slightly higher than Apex Traders but lower than The Funded Trader. However, FTMO's 90% profit split is industry-leading, which partially offsets the higher upfront fees. If you're a profitable trader, FTMO's larger split means faster recovery from challenge costs once you're funded.

Is FTMO Worth the Price?

For profitable, disciplined traders? Yes. FTMO's 90% profit split is unmatched. A trader earning $500/month on a $50K account recoups their $345 challenge fee in less than a month. The platform's analytics tools, multi-platform support, and 11-year track record make it worth the premium.

For casual or struggling traders? No. The $1,000+ cost of multiple failed attempts adds up quickly, and FTMO's strict 5% daily drawdown rule eliminates accounts after one volatile day. If you haven't proven consistent profitability on a demo account, the free trial alone is the only tier worth attempting.

For algo/EA traders? Yes. FTMO's support for automated trading across four platforms (including MT4/MT5 for algo scalping) and their 90% split make the higher fees justified if your bot is proven profitable.

For swing traders? Potentially. Swing trading's lower position frequency suits FTMO's daily drawdown rules better than scalping, making the challenges more achievable. If you can swing trade consistently, FTMO's funded account is excellent value.

How to Save on FTMO

FTMO doesn't advertise discounts or coupon codes, but here are legitimate ways to reduce costs:

• Start with the free trial: Use unlimited free attempts to practice before paying. This alone saves hundreds in learning costs.
• Begin with the $10K tier: At $155/month, it's the cheapest entry point. Once you've proven yourself funded, you can request a higher tier account at a lower proportional cost.
• Challenge fee refund: FTMO refunds your first challenge fee upon your first successful payout, effectively giving you one "free" shot after you pass.
• Batch and commit: Some traders negotiate payment plans for multiple challenge attempts upfront, though this requires contacting FTMO directly.
• Educational partnerships: Check if FTMO occasionally offers discount codes through trading education platforms or affiliate programs.

The most effective cost-reduction strategy is simple: nail the free trial first. Traders who pass the free trial before paying typically pass paid challenges 30-40% faster, reducing total fees spent.

---

FTMO's Rating: 4.5/5 on TradingToolsHub.com | Read full FTMO review →

Compare FTMO with other prop firms: Proprietary Trading Firms Comparison →