Run the numbers
What does your payout policy really cost?
Set the split, how often traders can withdraw, the minimum and the wait for a first payout. You see the expected cost per funded trader and the week-by-week cash out, in about a minute.
RUN THE NUMBERS · NO SIGN-UP
Set your payout rules, see the cost and the cash flow.
Every default is an example, labelled. Change any rule and the cost, the payout dates, the weekly cash out and the comparison grid all update.
At a split of 80%, paid every 14 days, from day 14, each funded trader costs the firm about $1,527 in expected payouts over six months. Paying monthly instead would save $121 per funded trader, because fewer payouts land before accounts are lost.
Cash out grows month by month because new funded traders join every day while earlier ones keep drawing payouts. Your highlighted cell in the grid is the setting above.
Turn on JavaScript to change the numbers. The result above uses the default inputs.
Planning model with example assumptions. Projections are hypothetical, not a forecast and not financial advice. Trading on evaluation and funded accounts is simulated.
How it works
Every step, in plain words.
- 01
A trader who reaches a payout earns simulated profit at a steady rate: account size times the monthly profit you set. Profit builds up between payout dates.
- 02
The first payout date is the wait you choose after funding. After that a date comes round at your payout frequency. On each date the trader's share is the profit built up times the split. If it is below the minimum, it rolls over to the next date.
- 03
Accounts breach and stop over time. The planner keeps the share you set active each month, so a payout on day 60 only happens for the accounts still trading then. That is why frequency changes the cost: profit paid out early cannot be given back.
- 04
Expected cost per funded trader is the sum of those payouts, plus the challenge fee if you refund it with the first payout, times the share of funded traders who reach a payout at all.
- 05
The weekly cash-out chart spreads your new funded traders evenly across each month for six months, so you can see how payouts build up as earlier traders keep drawing them. The grid repeats the cost for other splits and frequencies.
METHODThe formulas and every default, with where it comes from
daily = accountSize × monthlyProfit% ÷ 30
payout dates = firstWait, firstWait + f, firstWait + 2f, … (to day 180)
share_k = profit built up since last paid date × split%
(rolls over while share_k < minimum)
active(t) = keep% ^ (t ÷ 30)
expected_k = (share_k + feeRefund on the first payout) × active(t_k)
costPerFunded = reachPayout% × Σ expected_k
weekly cash = Σ start days (fundedPerMonth ÷ 30 a day) × reach × expected_k landing that week| Input | Default | Kind | Note |
|---|---|---|---|
| Profit split | 80% | Your input | Splits advertised across the industry vary widely. Use the split you offer or plan to. |
| Payout frequency | Every 14 days | Your input | Compare all three in the grid. |
| First payout after | 14 days | Your input | Some firms pay from the first week, others make traders wait a month. |
| Minimum payout | $100 | Your input | Applied to the trader's share. Smaller amounts roll over. |
| Average account size | $50,000 | Assumption | Payout cost scales with account size, not the fee paid. |
| Simulated profit a month | 4% | Assumption | For traders who reach a payout. Not an industry figure; use your own data. |
| Funded who reach a payout | 40% | Assumption | Matches the profit calculator default. Many funded traders never request a payout. |
| Accounts still active each month | 70% | Assumption | An illustrative retention rate. Your platform reports the real one. |
| Challenge fee refunded | $300 | Assumption | Added to the first payout when the toggle is on. |
| New funded traders a month | 20 | Your input | Only affects the weekly cash-out chart. |
Questions
Asked about this tool.
What is a typical prop firm profit split?
Firms advertise a wide range, and many raise the split as traders scale. We do not quote an average, because published splits use different definitions and conditions. What matters for the firm is the expected cost per funded trader, which depends as much on frequency, minimums and account losses as on the split.
Do more frequent payouts cost the firm more?
Usually, yes. Profit paid out early cannot be lost back to the account later, so weekly payouts pay more of a trader's simulated profit than monthly ones. How much more depends on how many accounts stay active between dates. The grid in the tool shows the difference for your inputs.
Why have a minimum payout?
A minimum stops very small withdrawals that cost more to process than they are worth. It also delays some payouts until enough profit builds up, which slightly lowers the expected cost. Set it too high and traders feel locked out, which shows up in reviews and support tickets.
How long should traders wait for a first payout?
It is a product choice with a cost on each side. A short wait is a strong selling point and costs more. A long wait lowers cost but adds friction and doubt. Whatever you choose, state it plainly on your payouts page with a worked example of the first payout date.
Should the challenge fee be refunded with the first payout?
Many firms do it because it reassures buyers. It adds the fee to every first payout, so it raises the cost per funded trader. Turn the toggle off to see by how much. If you offer it, say exactly when it is paid and on what conditions.
Is this a forecast?
No. It is a planning model with labelled example inputs, not a forecast of your payouts and not financial advice. It says nothing about any trader's chance of receiving a payout. Replace the assumptions with your own platform data before you rely on the numbers.
Next step
Put a payouts page traders actually trust on your site.
Every PipValley build explains payout rules with worked examples, and the payout proof wall shows approved payouts as your terms define them.
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