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Prop trading has entered a new era. With dozens of firms competing to attract traders through higher profit splits, faster payouts, and fewer restrictions, one question dominates in 2026.
Which prop firm actually pays the most and delivers on its promises?
Whether you’re comparing 80/20, 90/10, or 100% profit splits, the real answer lies beyond the numbers. It’s about speed, transparency, and trust.
This guide breaks down how profit splits work, explores the payout trends, and compares the top five highest-paying prop firms of 2026.
TL;DR
- Profit split = how profits are shared between the trader and the firm (e.g., 80/20, 90/10, 100%).
- FundedNext leads 2026 with up to 95% for CFDs and 100% for Futures, plus a 24-hour payout guarantee (or $1,000 extra if delayed).
- FTMO caps at 90%, E8 Markets offers a 100% option, The5ers can scale to 100% over time, and FundingPips offers up to 95% based on model and consistency requirements.
- The best firm isn’t just about percentages; it’s about speed, transparency, and trader-first policies.
Profit Splits Explained (80/20, 90/10, or 100%)
A profit split defines how trading rewards are shared between the trader and the prop firm.
80/20 Profit Split: Trader keeps 80%, firm keeps 20%.
90/10 Profit Split: Trader keeps 90%, firm keeps 10%.
100% Profit Split: Trader keeps all profits, a model designed for maximum flexibility and trader ownership.
This system exists because the firm provides capital and risk coverage, while the trader provides skill and consistency.
Modern firms like FundedNext are transforming this model by focusing on faster payouts and early rewards, including performance bonuses directly from the Challenge phase, something few firms offer.
Beyond the Profit Split: What Traders Should Really Look For
A high profit split sounds great on paper, but the real value comes from everything surrounding it. To truly maximize your returns, you must look at how the firm supports that split through speed, flexibility, and trust. Here are the factors that matter just as much as the percentage itself:
Payout frequency: How often do you actually receive your payouts: weekly, biweekly, or monthly? More frequent payout cycles mean smoother cash flow, quicker reinvestment opportunities, and fewer delays between trading and reward.
Processing speed: How fast does the firm actually send your payout once requested? Is it a 1-day turnaround or a 2-week wait? Faster processing gives traders momentum, stability, and the confidence to scale without interruption.
Trading freedom: It’s not only about using EAs, bots, or trading the news; true freedom is being able to keep trading without interruption, even when your payout is being processed. Many firms pause or restrict trading during payout periods, which disrupts momentum and limits strategy execution.
A trader-first model ensures you can continue operating your system; discretionary, automated, or news-driven, with no freezes, no downtime, and no hidden limitations.
Scaling potential: How easily can your capital grow over time? Effective scaling programs let traders increase their account size quickly and sustainably, turning skill into long-term earning potential.
But many traders still wonder: “How far can I actually scale?” and “Which firm offers the highest ceiling?”
This matters because some firms cap growth early, while others allow scaling into the hundreds of thousands or even millions. The best firms provide a clear, generous roadmap so traders always know how big they can grow and how fast they can get there.
Transparency: Transparency is less about hidden fees and more about whether a firm publicly proves that it actually rewards its traders. The best way to judge this is by checking independent payout-tracking platforms such as PayoutJunction, where traders can see real payout records, the highest single payouts, consistency of rewards, and overall trust from the community.
When you compare firms this way, it becomes clear which ones truly stand behind their promises. FundedNext is one of the firms with verifiable, consistent payouts, giving traders confidence that what is advertised is actually delivered.
A 100% profit split only creates real value when it is backed by speed, freedom, and reliability. That is why FundedNext’s 24-hour payout guarantee has become a new industry benchmark; it shows that the split is not just a number, it’s a promise fulfilled.
Common Profit Split Models
| Profit Split | Trader Keeps | Most Common In | Typical Use Case |
| 80/20 | 80% | CFD Firms | Entry-level, balanced structure |
| 90/10 | 90% | Both CFD & Futures | Premium, sustainable split |
| 100% | 100% | Mostly Futures | Full-trader model, fast rewards |
Profit Split Trends in 2026
- 90/10 is the new baseline. Firms are raising splits to stay competitive.
- Payouts are faster than ever. Many firms now process rewards in 5–7 days; FundedNext guarantees them in 24 hours.
- Trader-first flexibility. EAs, bots, and news trading are now widely supported.
- Transparency matters most. Verified payout proofs and clear rules build lasting trust.
Top 5 Highest-Paying Prop Trading Firms in 2026
Here are the top five prop firms that offer the highest compensation for traders;
1. FundedNext
Profit Share & Scaling
- Up to 95% profit split for CFDs (Stellar 1-Step, 2-Step, Lite).
- 15% profit share from the Challenge phase (except Stellar Lite), an industry-first feature for CFDs traders.
- 100% profit split for Futures.
- Scaling up to $4 million through consistent performance.
Payout Speed & Brand Promise
- Guaranteed 24-hour payout, or $1,000 extra if delayed.
- Multiple secure payment methods: Cards, PayPal, Skrill, Apple Pay, Google Pay, Crypto, and local options (via RiseWorks).
Rules & Trading Freedom
- 3–5% daily loss limit / 6–10% max loss limit.
- No time limit to pass challenges.
- EAs, bots, and news trading allowed.
Verdict: FundedNext sets the 2026 benchmark: 95% for CFDs, 100% for Futures, payouts in under a day, and transparency that puts traders first.
2. FTMO
- Profit Split: 80% base, scaling to 90%
- Payout: Traders can request their payouts every 14–60 days (biweekly by default). Trading is paused during the payout processing period.
- Drawdown: 5% daily / 10% total
- Scaling: +25% after each successful cycle
Verdict: Reputable and consistent, but slower payouts and capped splits make it less competitive in 2026.
3. The5ers
- Tiered splits: Start at 50%, scale up to 100% with consistent performance
- Programs: Bootcamp, Hyper Growth, and High Stakes
- Payout: Bi-weekly and Monthly
- Drawdown Rules (Program-Based):
- Bootcamp: 5% max drawdown in evaluation, 4% once funded.
- High Stakes: 10% absolute max loss + 5% daily drawdown.
- Hyper Growth: 6% max drawdown.
If the drawdown limit is breached, the account is permanently disabled. Drawdown buffers can increase by keeping profits in the account.
- Scaling: The5ers provides structured scaling across its programs, where accounts increase in size after reaching set profit targets, such as 5% in Bootcamp or 10% in Hyper Growth and High Stakes. Depending on performance and the program type, traders can scale their accounts up to approximately $4 million with gradually improving profit splits.
Verdict: A good option for traders who prefer steady, structured growth and clear progression paths.
4. E8 Markets – Flexible, But Conditional
- Split: 80–100%, though 100% is available only in select premium tiers
- Payout: Biweekly or on demand after 14 days
- Drawdowns: 3–7% daily / 6–14% max
Verdict: Modern, customizable, and sleek, but top-tier splits are hard to access.
5. FundingPips – Modern Evaluation Model
- Split: Reward split goes up to 95% after 14 days with a required 15% Consistency Score.
- Risk Rules: Daily loss typically ranges from 3–5%, and maximum loss ranges from 6–10% depending on the model.
- Scaling: Traders can scale up by meeting profit targets and maintaining reward milestones, unlocking higher capital and additional benefits at each level.
Verdict: A straightforward option for traders who want clear rules and a structured scaling path, though terms vary by program and should be reviewed closely.
Highest-Paying Prop Firm Comparison (2026)
| Prop Firm | Max Split | Base Split | Payout Speed | Payout Cycle | Daily Loss Limit | Maximum Loss Limits | Notes |
| FundedNext | Up to 95 % for CFDs and 100% for Futures | 80 % / 90 % | 24 h guarantee (+ $1 000 bonus if delayed) | CFDs: 5 days (1-Step), 21→14 days (2-Step & Lite)
Futures: 3 days (Rapid), 5 days (Legacy) |
3-5% | 6–10% | Fastest payouts, most flexible model |
| E8 Markets | Up to 100 % (claimed) | 80–90 % | Bi-weekly / on-demand (14 d min) | 14-day minimum | 3-7% | 6-14% | Strict rules, higher cost for the top tier |
| FTMO | 90% | 80% | Bi-weekly (1–2 d processing) | Bi-weekly (14 days) | 5% | 10% | Fixed structure, limited payout ceiling |
| The5ers | Up to 100 % | 50–80 % (varies by program) | Monthly | Bi-weekly or Monthly | 5% | 10% | Tiered scaling, slower progression |
| FundingPips | Up to 95% (after 14 days + Consistency Score) | 80–90% | 1–2 days after approval | 7–14 days | 3–5% | 6–10% | Moderate payout speed; models require a consistency score for max split. |
Why 100% Profit Split ≠ Equal Value
Not all 100% profit split offers are created equal. Some look attractive on paper but come with conditions, delays, or hidden rules that reduce the actual value you receive. Understanding how a firm delivers that 100% is more important than the number itself.
1. Conditional vs. True 100%
- FundedNext Futures: Transparent, built-in 100% model. No add-ons, milestones, or premium tiers.
- E8 Markets/The5ers: Require multiple promotions or scaling cycles to reach 100%.
2. Speed and Accessibility
- FundedNext: Payouts within 24 hours, guaranteed.
- Others: Payouts every 14–30 days, slowing cash flow and flexibility.
3. Hidden Trade-Offs
- Competitors’ 100% offers often come with higher fees, stricter limits, or reduced trading flexibility.
- FundedNext’s model has no hidden costs and full trading freedom.
4. Sustainability and Trust
FundedNext backs its model with real, verifiable payout records and a Brand Promise that stands out in the industry. Just last month, FundedNext delivered over $23 million in payouts to traders, a milestone that reflects both scale and sustainability.
This includes a $346,000 top payout, showcasing the firm’s ability to support high-performing traders at every level. These results demonstrate consistent trust, proven reliability, and the strength of a model designed to last.
And all of it is reinforced by FundedNext’s industry-first guarantee:
Guaranteed payouts within 24 hours, or $1,000 extra if delayed.
How to Choose the Best Profit Split Prop Firm
Before signing up, evaluate what truly affects your returns:
- Payout structure: frequency and guarantee.
- Rules: consistency, drawdown, flexibility.
- Fees: one-time vs. recurring.
- Credibility: verified payouts and community trust.
Tip: A 95% payout in 24 hours beats a delayed 100% by weeks.
Final Thoughts
The prop trading world in 2026 isn’t about who flashes the biggest numbers; it’s about who delivers them fairly, fast, and without fine print.
That’s where FundedNext stands apart. Traders don’t just get industry-leading splits; they experience a system built on trust, speed, and transparency. With up to 95% rewards for CFDs, a full 100% for Futures, and a 15% profit share right from the Challenge phase, FundedNext turns potential into performance. And with its 24-hour payout guarantee or $1,000 extra if delayed, it proves that promises aren’t marketing, they’re measurable.
While others add layers of conditions, FundedNext removes the wait, the worry, and the “what-ifs.” Because in trading, every percent matters, but every hour matters more.
Frequently Asked Questions
1. Which prop firm pays the most in 2026?
FundedNext pays up to 95% (CFDs) and 100% (Futures), plus a 15% Challenge phase reward and 24-hour guaranteed payout or $1,000 bonus if delayed.
2. Do any firms truly offer 100% profit splits?
Yes. FundedNext provides a real, built-in 100% model for Futures; no conditions or milestones. Others like E8 Markets or The5ers offer conditional 100% tiers.
3. What should traders look for in a prop firm?
Focus on payout speed, flexibility, and transparency. A fast 95% reward beats a delayed 100% promise every time.
