FTMO vs Instant Funding
Published rules side by side, from each firm's own pages. No verdict: which rules suit you depends on how you trade.
FTMO rules as of Instant Funding rules as of How we source this
| Rule | FTMO | Instant Funding |
|---|---|---|
| Plans | 3: 2-Step Challenge, 1-Step Challenge, Instant Account | 2: Instant Funding (Pro), One-Phase Clarity |
| Evaluation types | 1-step, 2-step, Instant | 1-step, Instant |
| Daily loss limit | 3%–5% | 4%; none on Instant Funding (Pro) |
| Breaching the daily limit | Fails the account | Fails the account |
| Max drawdown | 10% | 6%–10% |
| Drawdown types | Static, Trailing, End-of-day trailing | Trailing, Stepped |
| Profit targets | 2-step: 10% + 5%; 1-step: 10%; Instant: none | Instant: none; 1-step: 9% |
| Account sizes | 5K–200K | 10K–100K |
| Fees (list price) | €79–€2,999 | — |
| Profit split | 90% | 80% |
| Forex leverage | 1:100 | — |
| Forex commission | $5 per lot (side not stated) | — |
| Platforms | MT4, MT5, cTrader, TradingView | MT5, Match-Trader, cTrader |
| Account currencies | USD, EUR, GBP | USD |
| News trading | No rule recorded on 3 (of 3 plans) | Restricted on 1, no rule recorded on 1 (of 2 plans) |
| Consistency rule | On 2 of 3 plans | None recorded |
| Rules checked | 30 Oct 2026 | 30 Oct 2026 |
Ranges cover every plan each firm offers. Fees are list prices in each firm's own currency, before promotions. Rows where both firms match are shaded.
What's different
- FTMO has plans with a static max drawdown; Instant Funding has none on this site.
- FTMO has plans with a end-of-day trailing max drawdown; Instant Funding has none on this site.
- Instant Funding has plans with a stepped max drawdown; FTMO has none on this site.
- Instant Funding has a plan with no daily loss limit (Instant Funding (Pro)); every FTMO plan has one.
- FTMO offers 2-step evaluations; Instant Funding has none on this site.
- MT4, TradingView are available at FTMO but not Instant Funding.
- Match-Trader is available at Instant Funding but not FTMO.
- FTMO publishes fees in EUR, Instant Funding in USD.
What's the same
- Both have plans with a trailing max drawdown.
- Both offer 1-step evaluations and instant accounts.
- Both support MT5, cTrader.
At a 100,000 account
Every plan at both firms that offers a 100,000 account, with the limits worked out at the starting balance.
| Firm | Plan | Daily loss | Max drawdown | Profit target | Fee |
|---|---|---|---|---|---|
| FTMO | 2-Step Challenge | $5,000 (5%) | $10,000 (10%) static | 10% + 5% | €540 |
| FTMO | 1-Step Challenge | $3,000 (3%) | $10,000 (10%) end-of-day trailing | 10% | €499 |
| FTMO | Instant Account | $3,000 (3%) | $10,000 (10%) trailing | None | €2,999 |
| Instant Funding | One-Phase Clarity | $4,000 (4%) | $6,000 (6%) trailing | 9% | — |
Amounts in each firm's first account currency. Daily limits based on the day's starting value move with your balance; the methodology explains each type.
Check a trade against either firm
The calculator applies each plan's exact daily loss and drawdown rules to your account: FTMO in the calculator · Instant Funding in the calculator.
FTMO vs Instant Funding: common questions
- What is the difference between FTMO and Instant Funding's daily loss limit?
- FTMO: 2-Step Challenge 5%; 1-Step Challenge 3%; Instant Account 3%. Instant Funding: Instant Funding (Pro) none; One-Phase Clarity 4%. Rules checked 30 Oct 2026 (FTMO) and 30 Oct 2026 (Instant Funding) from each firm's own pages.
- Do FTMO and Instant Funding use a static or trailing drawdown?
- FTMO: 2-Step Challenge 10% static; 1-Step Challenge 10% end-of-day trailing; Instant Account 10% trailing. Instant Funding: Instant Funding (Pro) 10% stepped; One-Phase Clarity 6% trailing. Rules checked 30 Oct 2026 (FTMO) and 30 Oct 2026 (Instant Funding) from each firm's own pages.
- How do FTMO and Instant Funding's profit targets compare?
- FTMO: 2-step: 10% + 5%; 1-step: 10%; Instant: none. Instant Funding: Instant: none; 1-step: 9%. Rules checked 30 Oct 2026 (FTMO) and 30 Oct 2026 (Instant Funding) from each firm's own pages.
- Which platforms do FTMO and Instant Funding support?
- FTMO: MT4, MT5, cTrader, TradingView. Instant Funding: MT5, Match-Trader, cTrader. Rules checked 30 Oct 2026 (FTMO) and 30 Oct 2026 (Instant Funding) from each firm's own pages.
- What account sizes and fees do FTMO and Instant Funding have?
- FTMO: 5K–200K accounts, list fees €79–€2,999. Instant Funding: 10K–100K accounts, list fees —. Promotions change fees. Rules checked 30 Oct 2026 (FTMO) and 30 Oct 2026 (Instant Funding) from each firm's own pages.
Other comparisons
Rules as of 30 Oct 2026. Firms change their rules; each firm page lists its sources and anything we couldn't verify. Check the firm's current rules before buying a challenge.