Prop Firm Profit Split Calculator
Calculate your take-home profit from prop firm trading. Compare profit splits (70/80/90%), account for fees and withdrawals, and find your effective split
Prop Firm Profit Split Calculator
Calculator
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Formula: Take-Home = Gross Profit × Split % | Net = Take-Home − Fees | Effective Split = Net / Gross Profit × 100
Worked example — $4,000 gross | $3,500 net | 70% effective split
Formula
Take-Home = Gross Profit × Split % | Net = Take-Home − Fees | Effective Split = Net / Gross Profit × 100
The gross take-home is your share of the profits based on the split percentage. The net amount subtracts any challenge fees you paid. The effective split shows your true percentage after accounting for fees — this is what you actually keep relative to the total profits generated.
Worked Examples
Example 1: Standard 80/20 Split
Problem:$5,000 gross profit, 80% split, $500 challenge fee paid.
Solution:Trader Share = $5,000 × 80% = $4,000 Firm Share = $5,000 × 20% = $1,000 Net After Fees = $4,000 - $500 = $3,500 Effective Split = $3,500 / $5,000 = 70%
Result:$4,000 gross | $3,500 net | 70% effective split
Example 2: High Volume Trader — 90/10 Split
Problem:$12,000 gross profit, 90% split, $1,000 fee, $5,000 already withdrawn.
Solution:Trader Share = $12,000 × 90% = $10,800 Net After Fees = $10,800 - $1,000 = $9,800 Remaining after withdrawals = $9,800 - $5,000 = $4,800 Effective Split = $9,800 / $12,000 = 81.7%
Result:$10,800 gross | $9,800 net | 81.7% effective | $4,800 remaining
Frequently Asked Questions
How do prop firm profit splits work?
After passing a prop firm challenge and receiving a funded account, traders keep a percentage of the profits they generate. Common splits are 70/30, 80/20, or 90/10 (trader/firm). For example, with an 80/20 split and $5,000 in profit, the trader receives $4,000 and the firm keeps $1,000. Some firms offer higher splits (up to 90%) as traders prove consistent profitability or reach higher account tiers. Withdrawals are typically processed monthly or bi-weekly depending on the firm.
What is the effective profit split after fees?
The effective profit split accounts for the initial challenge fee you paid. If you paid $500 for the challenge, made $5,000 profit with an 80% split, your gross take-home is $4,000 but your net (after recovering the fee cost) is $3,500. The effective split is $3,500/$5,000 = 70%. The fee becomes less significant over time as you accumulate more profits. After a few profitable months, the fee is amortized and your effective split approaches the nominal split percentage.
How do withdrawals work at prop firms?
Most prop firms allow withdrawals on a set schedule — typically every 2 weeks or monthly after an initial trading period. To withdraw, your account must be in profit and you cannot withdraw more than your profit share. Many firms also set a minimum withdrawal amount, so check the figure in your own account agreement before planning a payout. Methods usually include bank wire, cryptocurrency and third-party contractor-payment platforms, and which of them you can use depends on the firm and on your country of residence. Some firms offer on-demand payouts while others have fixed payout dates. Always check the specific firm's withdrawal policy before starting a challenge.
Do prop firms refund the challenge fee?
Many prop firms refund the challenge fee once you pass and receive your first payout, and where a refund applies it is normally paid out alongside that first profit split rather than credited up front. This effectively makes the challenge 'free' if you pass and are profitable. However, not all firms offer refunds — some keep the fee regardless, and refund terms are changed from time to time without notice, so treat the fee as a real cost until you have confirmed the current policy in writing. This refund policy significantly affects your effective profit split, especially in the early months. Always verify the refund policy before choosing a prop firm.
Which prop firm profit split is best?
The highest split percentage is not always the best deal. Consider the total package: a firm offering 80% split with lower fees, better rules, and reliable payouts may be better than one offering 90% with higher fees, stricter rules, and payout issues. Key factors to compare: split percentage, challenge fee, drawdown rules, trading restrictions, payout frequency, scaling plan, and the firm's reputation for honoring payouts. A 70% split with a firm that always pays is infinitely better than a 90% split with a firm that does not.
How does a scaling plan change what a funded trader actually earns?
A scaling plan raises your allocated capital — and at some firms your split percentage — after you record a set number of profitable payout cycles while staying inside the drawdown limits. Because your share is a percentage of profit rather than a fixed wage, doubling the allocated capital roughly doubles the dollars that the same percentage return produces. That usually moves take-home pay far more than negotiating a few extra split points.
What is the difference between floating equity and profit that is eligible for a split?
Firms pay on realised, closed-trade profit sitting above your account's high-water mark, not on floating equity. Unrealised gains on open positions inflate equity but vanish if price reverses, which is why most firms want positions flat at the payout cutoff. Once a payout resets the high-water mark to the new balance, only profit earned above that level counts toward the next split.
How does a consistency rule affect the size of a payout?
A consistency rule limits how much of your total profit may come from a single trading day or a single position. If one outsized day dominates the balance, the firm may release only the portion that satisfies the rule and hold the remainder until further trading spreads the gains out. The rule exists to filter out accounts carried by one lucky trade, so steady daily gains convert to cash more reliably than a single spike.
Why are commissions and swap charges deducted before the split is applied?
The split is applied to net trading profit — gross P/L after spread, per-lot commission and overnight swap have already been debited from the account. On a scalping or high-frequency strategy those costs can absorb a meaningful slice of gross gains before the percentage is even calculated. It is why a raw-spread account with commission can beat a wider-spread commission-free one: total cost per lot decides your payable profit, not the headline split.
How many payout cycles does it take to recover the evaluation fee?
Divide the fee by the net share you expect per cycle. If the fee is worth roughly one and a half times the net share a normal cycle produces, cumulative take-home passes it during the second payout; a fee larger than a whole cycle's net share takes proportionally longer. Enter your own fee and expected profit above and the effective split figure shows exactly where you stand. Firms that refund the fee alongside the first payout shorten this to zero cycles. Until the fee is cleared, your effective split — net divided by gross profit — stays below the headline percentage.
References
Reviewed for accuracy by Daniel Agrici, Founder & Lead Developer · Editorial policy
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