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. 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% | 10% | 2% → 3% → 6% |
| Daily max loss | -5% | -3% | -3% |
| Overall max loss | -10% | -6% | -6% |
| Minimum trading days | 3 | 5 | 3 per step |
| Time limit | None* | None* | 180 days per step |
| Profit split | 80% | 100% | 50-100% |
| Account sizes | $5K-$400K | $10K-$200K | $5K-$100K |
| Fees (global site) | from €49 | from €119 | from €44 |
*At least one opened or closed trade every 30 days is required to keep the account active.
On the Japanese site (fintokei.com/jp), the same plans are denominated in JPY, with accounts from ¥1M to ¥50M and fees from ¥10,000. Pricing tiers carry gem names (Quartz, Ruby, Emerald and so on).
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 evaluation fee is credited back with the first payout, per the official payout documentation (confirm current conditions before relying on this)
A ProTrader Swing variant exists for traders who hold over weekends.
SwiftTrader — one step, tighter rules
SwiftTrader compresses the evaluation into a single phase: hit +10% and you are certified. The headline attraction is the 100% profit split. The trade-off is risk headroom:
- Daily max loss of -3% and overall max loss of -6%, roughly half of ProTrader’s allowance
- A -3% cap on the combined risk of open positions
- Five minimum trading days
In practice this is a plan for disciplined, small-lot traders. Note the asymmetry: the target (+10%) is larger than the total loss allowance (-6%), 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 match SwiftTrader (-3% daily, -6% overall), but 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 the cheapest possible entry ticket.
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, 100% split |
| New to prop firms, minimal budget | StartTrader | Lowest fees, 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 3% 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, 100% split, the strictest daily risk rules
- StartTrader: three steps, low targets, cheapest entry
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.