Prop Firm Cost Calculator
Estimate the real cost of a prop firm challenge and how much profit you need to generate before you actually earn money after the split. No hidden math — just transparent numbers.
Break-Even Profit Needed
$625.00
You need a 0.63% return on the $100,000.00 account just to recover your costs after the 80% split.
Cost Breakdown
| Challenge Fee | $500.00 |
| Fee as % of Account | 0.50% |
| Total Cost | $500.00 |
| Effective Cost / Month | $166.67 |
| Your Split | 80% |
| Break-Even Return Needed | 0.63% |
In context: At an 80% profit split, the firm keeps 20% of your profits. To take home $500.00 (your total cost), you need to generate $625.00 in gross trading profit on the funded account. Only profit above that point is net income for you.
A challenge fee is not the real cost of a prop firm account. Enter the fee, account size, profit split, and expected months to payout to see the break-even profit you need and the effective monthly cost — so you can compare firms on what a payout actually requires, not just the sticker price.
Frequently asked questions
What is break-even profit?
It is the profit you must earn and withdraw to recover the challenge fee and any monthly fees you paid. Below that, the account has cost you money even if you passed.
How is effective monthly cost calculated?
It spreads the challenge fee plus monthly fees across the months to payout, giving a per-month cost you can compare directly between firms.
Does this account for profit split?
Yes. The calculator uses the profit split to determine how much of your gross profit you actually keep, which sets the real break-even target.