• Three plans as of July 2026: StartTrader (3-step), SwiftTrader (1-step), ProTrader (2-step).
  • ProTrader targets 8% then 6%, with a -5% daily and -10% overall loss limit, 80% reward.
  • SwiftTrader targets 6% in a single phase, -2% daily / -3% overall, 60 days maximum, 90% reward (100% on the top Diamond tier).
  • StartTrader targets 2% → 3% → 6%, -3% daily / -6% overall, dynamic 50-100% reward.

FinTokei no longer runs the old FTMO-style 30/60-day two-step model. The current lineup gives you three routes with no time limit on ProTrader (SwiftTrader is capped at 60 days and StartTrader phases at 180 days each). All accounts are demo environments; rewards are paid as a “data provision fee” based on demo profits.

ProTrader (2-step)

  • Profit target: 8% (phase 1), 6% (phase 2).
  • Daily loss limit: -5%. Maximum loss: -10%.
  • Max allowed risk on open trades: -3%.
  • Minimum 3 trading days per phase, no time limit (at least one trade every 30 days required).
  • Reward: 80%.
  • Sizes: $5,000-$400,000 on the global site (JPY tiers of 1M-50M yen on the Japanese site).
  • Swing and Slim variants exist with different conditions.

SwiftTrader (1-step)

  • Profit target: 6%, single phase.
  • Daily loss limit: -2%. Maximum loss: -3%. Open-trade risk cap: -3%.
  • Minimum 3 trading days, maximum 60 days.
  • Reward: 90% (100% on the top Diamond tier), with at least +3% profit on the initial balance required for each payout request.
  • These figures were checked against the official plan page and replace ones we previously published (10% target, -3% daily, -6% overall, 5 minimum days, no time limit, 100% reward), which were wrong.
  • Sizes: $10,000-$200,000 on the global site.

StartTrader (3-step, beginner-oriented)

  • Profit targets: 2% → 3% → 6%.
  • Daily loss limit: -3%. Maximum loss: -6%.
  • Consistency rule: max 40% of the profit target from a single day.
  • Minimum 3 trading days and maximum 180 days per phase. Leverage is lower (1:25 on FX).
  • Reward: dynamic 50-100% (“Dynamic Performance Reward”), recalculated per payout.

Prohibited practices (all plans)

EAs are allowed and weekend holding is allowed on all three plans, but the following are not:

  • Copying other people’s signals or having a third party manage your account.
  • Third-party EAs or services built to “pass” prop evaluations, or exploiting platform inefficiencies.
  • Tick scalping and HFT.
  • Latency arbitrage.
  • Opposite trading / hedging across multiple accounts or traders.

News trading is not listed among the prohibited practices on the plan pages, but the pages are not the full terms — check the rulebook if your strategy depends on it.

The current lineup favors patient traders: no deadline pressure on the main plans, but tight daily loss caps (especially on the -3% plans) that punish oversized positions.

Internal: FinTokei review

For maximum reputation: FTMO official

For a low-cost veteran alternative: The5%ers (coupon “HZZS4”). Note: on 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026; if you use it, keep the ticket small.