Premise: every “100%” comes with strings
“100% profit split” is the most-used marketing line in prop trading, and among the firms this site tracks, none pays 100% unconditionally from the first payout. Every offer has conditions — we’ve catalogued the patterns in the truth about 100% splits. This guide compares the major firms offering 90% or more, focusing on what it takes to reach the ceiling and what you effectively keep.
The high-split field at a glance
| Firm | Standard | Max | Condition for max | Track record |
|---|---|---|---|---|
| The5%ers | 80% | 100% | Scaling milestones | 10 years |
| Fintokei (SwiftTrader) | — | 100% (verify wording) | Plan choice (1-step) | Young |
| FundingPips | 60–80% | 100% | Longest payout cycle | ~4 years |
| FundedNext | 80% | 95% | Paid add-on | ~4 years |
| Topstep | 90% | 90% (new accounts) | 90/10 from dollar one | 14 years (futures) |
| FTMO | 80% | 90% | Scaling milestones | 11 years |
Figures from official pages as of July 2026. Split terms change often — always confirm before purchase.
The5%ers — 100% plus a salary, built for the long game
High Stakes starts at 80% and climbs to 100% through scaling milestones. Beyond that, tiers above $350K under management add a monthly salary — a structure almost nobody else offers.
- Path to the max: clearing scaling stages (this takes time)
- Best for: traders growing an account over years, compounding both size and split
How the scaling works: The5%ers scaling explained. Combining a ten-year payout record with a 100% ceiling makes this our first pick in the high-split category.
Fintokei SwiftTrader — 100% in one step, with the tightest rules
SwiftTrader is a one-step evaluation whose plan table lists a 100% split. Official pages differ in places on this figure, so verify the current wording before buying.
- 10% target, 3% daily / 6% max loss — half the allowance of Fintokei’s ProTrader
- Path to the max: just choosing the plan (no scaling wait)
- Best for: disciplined position-sizers who want localized (Japanese/Korean) support with a high split
The tight loss limits are the price of the split. See Fintokei plans compared for the trade-off against ProTrader’s 80% with looser limits.
FundingPips — choose between paid sooner and paid more
FundingPips ties the split to your payout-cycle choice: short cycles pay lower percentages, and the longest cycle reaches 100% (as of 2026; this scheme has been revised before — check the official site).
- Path to the max: accepting the longest payout interval
- Best for: traders who can prioritize total value over payout frequency
FundedNext — capped at 95%, but pays during the challenge
FundedNext tops out at 95% (with a paid add-on) — short of 100%, and we say so plainly. Its counterweight is a 15% reward on challenge-phase profits, paid with the first payout, so the evaluation itself isn’t unpaid work.
- Path to the max: purchasing the add-on
- Best for: pass-rate-focused traders (Stellar 2-Step’s phase-1 target is 8%) who value evaluation-phase rewards
Topstep — the famous “100% of first $10K” is now legacy
Topstep (futures only) was long known for paying 100% of the first $10,000 in lifetime profits. For accounts created after January 12, 2026, that’s gone: the split is 90/10 from the first dollar. Pre-existing accounts keep the legacy arrangement.
A flat 90% is still high, and 14 years of operation is the longest record on this list — but note this is futures, not FX.
FTMO — why 90% can beat 100% in effective terms
FTMO pays 80%, rising to 90% — the lowest ceiling here on paper. Its effective value is stronger than it looks:
- No add-ons or fees to reach 90%
- The industry’s most extensively documented payout record, minimizing will-I-get-paid risk
- The evaluation fee is refunded when you pass
With a stable withdrawal process (FTMO payout guide), “90% × near-certainty” is a rational preference over “100% × uncertainty.”
The effective-value math
For a trader making $1,000 per month:
| Scenario | Headline | You keep | Note |
|---|---|---|---|
| FTMO (after reaching 90%) | 90% | $900 | No extra cost |
| The5%ers (after scaling) | 100% | $1,000 | Takes time to reach |
| FundingPips (longest cycle) | 100% | $1,000 | Paid monthly |
| FundedNext (with add-on) | 95% | $950 | Minus add-on cost |
Subtract the cost of the conditions — time, add-on fees, failure risk under tighter rules — and the effective gaps are consistently smaller than the headline gaps.
How to choose
- Screen by payout record and operating years first; compare splits second
- Match the structure to your horizon: short-term → unconditional 80–90%; multi-year → scaling to 100%
- Convert each condition into money and compare effective, not headline, value
Our summary: The5%ers for the long-term 100% + salary path, Fintokei SwiftTrader for a one-step 100% with localized support, FTMO for certainty-first.
Always make your final investment decisions yourself. This site does not provide investment advice.
Recommended firms
The5%ers — the 100% + salary long game
10 years in operation (since 2016). Scaling takes the split to 100%, with monthly salary tiers at $350K+.
→ Visit The5%ers official site (coupon code “HZZS4” for a discount)
FTMO — 90% with maximum certainty
11 years in operation (since 2015). Up to 90% with no add-ons, and the industry’s most documented payout record.
Fintokei — one-step 100% with localized support
SwiftTrader’s plan table lists a 100% split (verify current wording). Fully localized support.
→ Visit Fintokei official site (coupon code “FINTO5KEI” for 5% off)