Head to head
FTMO vs Instant Funding
Two CFD prop firms compared on price, rules and payouts. Every figure comes from the PropFirmTrading database, with verified discount codes applied.
Data checked by Oliver · Updated 19 October 2026
unrated · 4 yrs · 🇬🇧
- From
- $22.50
- Max funding
- $300K
- Deal
- −10%
- Code
- PFT10
The short version
- Cheapest at 100K
- Instant Funding $233.10 (FTMO $399)
- First challenge
- Instant Funding
- Scaling up
- Instant Funding
- Swing trader
- Instant Funding
The rulebook that matches the trader’s style should decide.
Side by side at 100K
The cheapest program each firm sells at 100K, the size both firms offer that is closest to $100K.
Rule friction is the PropFirmTrading reading of how many rules can end an account by accident. Low means fewer.
Where FTMO and Instant Funding differ
Price at 100K
Instant Funding $233.10
FTMO $399
$166 between cheapest and dearest, per attempt
Profit split
FTMO up to 90%
Instant Funding up to 90%
Same split on these programs
Maximum loss
FTMO 10%, Trailing
Instant Funding 7%, Static
Wider buffer, more room for a losing run; static beats trailing
Drawdown per 1 of target
FTMO 1.00
Instant Funding 1.00
Higher means the target is small next to the room to fail
Daily loss limit
Instant Funding 4%
FTMO 3%
Ends more accounts than the maximum drawdown does
Total profit target
Instant Funding 7% in 1 phase
FTMO 10% in 1 phase
Lower total, shorter evaluation
Where FTMO and Instant Funding differ (full text)
Price is the clearest difference at the 100K size. Instant Funding One-Phase Micro costs $233.10 with the code applied, and FTMO 1-Step costs $399. The gap is $166 per attempt, so a trader who needs three attempts pays about $498 more at FTMO.
Both programs pay up to 90% of profit, so the split does not decide between them.
FTMO allows a maximum loss of 10% ($10,000) on this program, against 7% ($7,000) at Instant Funding. The drawdown is Trailing (end-of-day) at FTMO and Static at Instant Funding, and the type matters as much as the size.
Instant Funding asks for 7% of profit in total across its 1 phase, and FTMO asks for 10% across 1. A lower total target usually means a shorter evaluation.
The daily loss limit is 3% ($3,000) at FTMO and 4% ($4,000) at Instant Funding. A daily limit ends more accounts than the maximum drawdown does, so it deserves a close read.
FTMO applies a 50% best day consistency rule and Instant Funding applies a 15% best day consistency rule. A consistency rule caps how much of the profit may come from one day, which slows down traders with occasional large wins.
The cheapest way to test either firm is FTMO 1-Step 10K at $79 or Instant Funding IF1 2K at $22.50. Small accounts share the rulebook of the larger ones, so they show how a firm behaves at low cost.
FTMO programs
One row per program, at the size closest to $100K.
Instant Funding programs
One row per program, at the size closest to $100K.
Rules side by side
Firm-wide rules as each firm publishes them. Some rules vary by program, and the firm profiles carry the full text.
Which firm fits which trader
A reading of the data for three common situations. The rulebook that fits the trader's style matters more than any single figure.
A first challenge on a small budget
New to prop firms and paying to learn a rulebook at the lowest cost.
The data favours
Instant Funding
- The entry ticket is $22.50 at Instant Funding against $79 at FTMO.
A consistent trader scaling up
Has passed evaluations before and cares about the share of profit kept and the ceiling on funding.
The data favours
Instant Funding
- The largest account is $300K at Instant Funding, so a consistent trader has further to scale.
A swing trader holding for days
Uses wider stops and needs room for positions to move against the entry before they work.
The data favours
Instant Funding
- Instant Funding lists weekend holding as allowed, which a multi-day position needs.
Questions traders ask about FTMO and Instant Funding
What does a 100K challenge cost at FTMO and Instant Funding?
FTMO 1-Step 100K costs $399 with code applied (list price $499). Instant Funding One-Phase Micro 100K costs $233.10 with code PFT10 (list price $259). Prices are checked daily and may change.
Which pays the higher profit split, FTMO or Instant Funding?
Both pay up to 90% on the programs compared here. The full split text for each program is on the firm profiles.
Which firm allows more drawdown at 100K?
FTMO allows 10% ($10,000), Trailing (end-of-day) and Instant Funding allows 7% ($7,000), Static. The daily loss limit is 3% ($3,000) at FTMO and 4% ($4,000) at Instant Funding.
Do FTMO and Instant Funding allow news trading?
FTMO: Swing (eval & funded): allowed. Standard eval: allowed. Standard funded: not allowed within 2 min before/after high-impact news. Instant Funding: One-Phase & Two-Phase: no restrictions
Which firm suits a first prop firm challenge, FTMO or Instant Funding?
On price and drawdown room the data favours Instant Funding. The entry ticket is $22.50 at Instant Funding against $79 at FTMO. Both firms are viable, and the rulebook that fits the trader's style matters more than the cheaper ticket.
Related comparisons
Read more on each firm
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