Fintokei runs three evaluation programs with genuinely different personalities: the two-step ProTrader, the one-step SwiftTrader, and the three-step StartTrader. The fastest route is not automatically the best one — loss limits and profit splits differ enough that the right choice depends on how you trade.
Figures below reflect the official site as of July 2026, with JPY prices and the fee refund rechecked on 2026-09-26. Fintokei updates terms relatively often, so treat the official pages as the source of truth before purchasing.
The three plans at a glance
| ProTrader | SwiftTrader | StartTrader | |
|---|---|---|---|
| Evaluation steps | 2 | 1 | 3 |
| Profit targets | 8% → 6% | 6% | 2% → 3% → 6% |
| Daily max loss | -5% | -2% | -3% |
| Overall max loss | -10% | -3% | -6% |
| Minimum trading days | 3 | 3 | 3 per step |
| Time limit | None* | 60 days max | 180 days per step |
| Profit split | 80% | 90% (100% on Diamond) | 50-100% |
| Extra payout condition | none | +3% profit at each request | none |
| Account sizes (JP site) | ¥1M-¥50M | ¥1M-¥35M | ¥1M-¥20M |
| Fees (JP site) | from ¥12,500 | from ¥9,800 | from ¥10,000 |
| Fees (USD site) | from $49 | from $44 | from $44 |
*At least one opened or closed trade every 30 days is required to keep the account active.
The SwiftTrader figures replace ones we previously published (10% target, -3% daily, -6% overall, 5 minimum days, no time limit, 100% split), which were wrong.
On the Japanese site (fintokei.com/jp), the plans are priced in JPY as a separate price list, not a conversion of the USD one. Tax-included prices, checked on the official plan pages on 2026-09-26:
| Plan | Tiers (account size → fee) |
|---|---|
| ProTrader | Quartz ¥1M ¥12,500 / Crystal ¥2M ¥21,500 / Pearl ¥5M ¥39,800 / Ruby ¥10M ¥69,800 / Sapphire ¥20M ¥109,800 / Topaz ¥35M ¥209,800 / Emerald ¥50M ¥309,800 |
| SwiftTrader | Iron ¥1M ¥9,800 / Bronze ¥2M ¥17,800 / Silver ¥5M ¥29,800 / Gold ¥10M ¥54,800 / Platinum ¥20M ¥93,800 / Diamond ¥35M ¥179,800 |
| StartTrader | Beginner ¥1M ¥10,000 / Basic ¥5M ¥29,800 / Advance ¥10M ¥49,800 / Master ¥20M ¥84,800 |
ProTrader — the standard two-step route
ProTrader is Fintokei’s flagship and follows the familiar industry pattern: pass a Challenge phase, then a Verification phase, then trade a funded (simulated-capital) account with an 80% split.
What sets it apart within the lineup:
- The loosest risk limits of the three plans (-5% daily, -10% overall)
- No time limit, so there is no pressure to force trades
- The purchasable maximum is ¥50M (USD site: $400K). After purchase, the Scaling Dojo (started 3 June 2026) can grow capital, and the official SwiftTrader page states “scale up to ¥200 million (Challenge plan Emerald case)” (checked 2026-09-26). That figure assumes Black belt (+300%; 250 trading days and 24 payout requests, checked 2026-08-18 on the official FAQ chart)
A ProTrader Swing variant exists for traders who hold over weekends.
Fee refund
This article previously said the fee is credited back with the first payout. The current refund is tied to White belt in the Scaling Dojo, not the first payout. Per Fintokei’s Japanese FAQ (checked 2026-09-26), for accounts bought on or after 11 June 2026 the amount you paid minus any coupon or discount is refunded after reaching White belt (20 trading days and 2 payout requests). It is not paid when the Pro account starts, it needs an e-mail application, and StartTrader and SwiftTrader accounts from before 18 August 2025 are not eligible.
| Source (checked 2026-09-26) | What it says |
|---|---|
| Plan page footnote | 初期費用の返還 ※スケーリング道場の適用により (fee refund via the Scaling Dojo) |
| Japanese FAQ (Scaling Dojo) | Restarted 3 June 2026; accounts bought from 11 June 2026 get the refund on reaching White belt |
| English FAQ (What is Scaling?) | Still says the old scaling ended on 21 January 2026, contradicting the Japanese FAQ |
If you never reach White belt, nothing comes back, so do not budget on the refund.
SwiftTrader — one step, tighter rules
SwiftTrader compresses the evaluation into a single phase: hit +6% and you are certified. The split is 90% (100% only on the top Diamond tier). The trade-off is risk headroom:
- Daily max loss of -2% and overall max loss of -3% — the overall allowance is less than a third of ProTrader’s
- A -3% cap on the combined risk of open positions
- A 60-day maximum and three minimum trading days
- At least +3% profit on the initial balance at each payout request
In practice this is a plan for disciplined, small-lot traders. Note the asymmetry: the target (+6%) is twice the total loss allowance (-3%), so win-rate and risk-reward management matter more here than in ProTrader.
StartTrader — low targets, three phases
StartTrader splits the journey into three steps with modest targets of 2%, 3%, and 6%. Loss limits (-3% daily, -6% overall) sit between SwiftTrader’s and ProTrader’s, and the low per-step targets mean you can stay at minimal lot sizes throughout. Each step has a 180-day limit, and the split starts around 50% and scales up to 100% under Fintokei’s dynamic reward system.
It is designed for people running their first prop-firm evaluation who want a low-cost entry ticket (from ¥10,000; SwiftTrader Iron at ¥9,800 is marginally cheaper but far stricter).
Which plan for which trader
| You are… | Consider | Why |
|---|---|---|
| Wanting maximum drawdown headroom | ProTrader | -5% daily / -10% overall |
| Confident in tight risk control, split-focused | SwiftTrader | One step, 90% split (-3% overall, 60 days) |
| New to prop firms, minimal budget | StartTrader | From ¥10,000, low targets |
| A swing trader holding over weekends | ProTrader Swing | Built for held positions |
A simple litmus test: could a normal bad day realistically cost you 2% of the account? If yes, SwiftTrader’s limits will eventually catch you, and ProTrader’s -5% daily buffer is worth the lower split.
For the rules in more depth, see Fintokei’s evaluation rules explained, and for a practical passing strategy, see how to pass the Fintokei evaluation.
A note on cost versus pass probability
The cheapest plan is not the easiest plan. More steps mean more chances to fail; a single step with tight limits can be just as unforgiving. The rational way to choose is to check your historical worst drawdown day and pick the plan whose limits your real trading fits inside — not the plan with the smallest price tag.
Summary
- ProTrader: two steps, 80% split, the most forgiving loss limits
- SwiftTrader: one step, 90% split (100% on Diamond), the strictest risk rules and a 60-day cap
- StartTrader: three steps, low targets, entry from ¥10,000
- Fee refund: only after White belt in the Scaling Dojo (20 trading days, 2 payout requests), minus any discount; not for StartTrader; the English FAQ still contradicts the Japanese one
Terms change; verify current numbers on the official site before buying.
Recommended prop firms
Fintokei — Japan-focused, JPY payouts
Fully localized Japanese product with payouts to Japanese bank accounts in JPY, alongside standard international options.
→ Fintokei official (coupon code FINTO5KEI for 5% off)
FTMO — the industry benchmark
Operating since 2015 with the industry’s largest published payout track record. The natural comparison point for ProTrader.
The free trial lets you test everything at no cost, and the 2-Step Challenge fee is refunded with your first payout after passing (no refund if you fail). See the FTMO free trial guide.