Prop Firms With the Highest Profit Splits: 9 Best Proven Picks for 2026

Prop firms with the highest profit splits get a lot of attention, and for good reason. The split is the one number that directly decides how much of your trading profit lands in your bank account. On a $5,000 month, the gap between an 80% split and a 90% split is $500. Over a year, that is $6,000 you either keep or hand back to the firm.

But the headline number rarely tells the whole story. Some firms advertise 100% profit split deals that only apply to your first $10,000 or $25,000 in payouts. Others start you at 50% or 80% and make you earn your way up through a scaling plan. A few tie your split to how often you withdraw. And at least one big name quietly changed its terms for new traders this year.

This guide cuts through the marketing. We looked at what the top-ranking comparison sites cover, checked current firm terms as of October 2026, and ranked nine funded trader programs by how much of your profit you actually get to keep. You will see how each firm structures its payout split, who it suits, and what catches traders out.

Whether you trade futures or forex, the goal is simple: find a prop trading firm that pays well and that you can realistically stay funded with long enough to get paid.

Note: Prop firm rules change often. Always confirm the current split on the firm’s own site before you buy a challenge. Nothing here is financial advice.

What a Profit Split Really Means at a Prop Firm

A profit split is the share of your trading gains you keep when you request a withdrawal from a funded account. If you make $2,000 and your split is 80/20, you get $1,600 and the firm keeps $400. The split only applies to money you actually withdraw, not to open trades or profit sitting in the account.

That sounds simple, but firms build the split in very different ways. Before comparing prop firms with the highest profit splits, it helps to know the five common structures.

1. Flat Split

You get the same percentage on every payout from day one. Topstep and Top One Futures both run a flat 90/10 for new traders. This is the easiest model to plan around because nothing changes as you go.

2. First-Payout Bonus (100% Up to a Cap)

You keep 100% of profits until you hit a cumulative cap, then drop to a standard split. Apex Trader Funding and Bulenox both use this. It is generous early on, but the cap matters a lot. A $10,000 cap runs out much faster than a $25,000 one.

3. Scaling-Based Split

You start lower and the split rises as you hit profit milestones over time. FTMO’s 2-Step and The5ers work this way. The upside can be large, but it rewards traders who stay funded for months, not weeks.

4. Payout-Cycle Split

Your split depends on how often you withdraw. FundingPips is the best-known example: faster payouts mean a smaller cut for you, and waiting a full month gets you 100%.

5. Paid Add-On

Some firms let you buy a higher split at checkout. You pay more upfront for a better ratio later. This only makes sense if you expect to earn enough to cover the extra cost.

How Much a 10% Difference Actually Costs You

The gap between splits looks small on paper. Over a year, it adds up fast.

That yearly gap can pay for a lot of extra evaluations. This is why traders running several funded accounts care so much about every percentage point.

9 Prop Firms With the Highest Profit Splits in 2026

The list below is ranked by how much of your profit you keep in practice, not just the biggest number in the ad. Terms were checked against firm help centers and recent independent reviews as of October 2026.

1. Apex Trader Funding: 100% of Your First $25,000

Apex leads most lists of prop firms with the highest profit splits, and the reason is the size of its bonus window. You keep 100% of your first $25,000 in payouts, then move to a 90/10 split. According to this October 2026 profit split comparison, that $25,000 cap counts across all your funded accounts combined, which makes it especially valuable if you run several at once.

Best for: Futures traders who plan to run multiple accounts.

• Why it stands out: The largest 100% window among major futures firms.
• Watch out for: Monthly evaluation pricing and activation fees, which cut into your effective take-home. Check the drawdown and payout rules for the specific account type you buy.

2. Bulenox: 100% of Your First $10,000

Bulenox uses the same idea as Apex with a smaller cap. You keep everything on your first $10,000, then switch to 90/10. The difference is that the cap is applied per account, so a single good account burns through the bonus phase faster.

Best for: Futures traders who want a strong opening payout without paying for add-ons.

• Why it stands out: A clean 90/10 baseline after the bonus.
• Watch out for: The lower cap means the 100% stage ends quickly for active traders.

3. FundingPips: Up to 100% on the Monthly Cycle

FundingPips is one of the few forex firms that can genuinely pay 100%. The catch is that your split depends on the payout cycle you pick on its 2-Step Standard account: 60% weekly, 80% bi-weekly, 90% on demand, and 100% monthly. You choose before you trade, and the choice is locked for that account.

Best for: Patient forex traders who are happy to wait 30 days between withdrawals.

• Why it stands out: Low entry prices and a true 100% option.
• Watch out for: Picking the weekly cycle by mistake leaves you on a 60% split. The on-demand option also has extra consistency requirements.

4. The5ers: Up to 100% Through Scaling

The5ers has been around since 2016 and offers a scaling plan that can take accounts into the millions. Its High Stakes 2-Step program starts at an 80% split, while Bootcamp and Hyper Growth start lower, around 50%. The split climbs toward 100% as you hit growth milestones.

Best for: Long-term forex traders who care about scaling more than fast payouts.

• Why it stands out: A long track record and one of the biggest scaling ceilings in the industry.
• Watch out for: Reaching 100% takes a long time. Read which program you are buying, because “up to 100%” does not mean you start there.

5. Topstep: Flat 90/10 From the First Dollar

Topstep changed its policy in January 2026. Per Topstep’s official payout FAQ, traders who join on or after January 12, 2026 get a 90/10 split on all payouts, calculated per trader. Traders who joined earlier keep the old deal of 100% on their first $10,000.

Best for: Futures traders who want a simple, predictable split from a long-running firm.

• Why it stands out: No bonus phase to track and no lower starting tier.
• Watch out for: Many older reviews still quote the 100% first-$10K offer, which no longer applies to new sign-ups.

6. Top One Futures: Flat 90/10, No Gimmicks

Top One Futures skips the 100% bonus and simply pays 90/10 from day one. If you value consistency over a short promotional window, this flat payout split is easy to plan around.

Best for: Futures traders who want the same split on every withdrawal.

• Why it stands out: Straightforward terms.
• Watch out for: Compare drawdown type and evaluation cost, since the split alone is not what sets it apart.

7. Tradeify: 90/10 on Sim Funded Accounts

Tradeify’s current Sim Funded products, including Growth, Lightning, and Select, pay 90/10. Its Elite product pays 80/20. Tradeify is not currently part of the 100% bonus group, so ignore older articles that say it is.

Best for: Futures traders who want flexible payout timing on a 90% split.

• Why it stands out: Several account types and daily payout eligibility on some plans.
• Watch out for: Plan-specific payout caps and buffer rules.

8. FTMO: 90% on 1-Step, 80% Rising to 90% on 2-Step

FTMO is one of the most established names in the space. Its 1-Step challenge pays 90% from the start. Its classic 2-Step challenge starts at 80% and moves to 90% once you qualify for the Scaling Plan, which also grows your balance by 25% every four months if you meet the profit target.

Best for: Forex and CFD traders who rank reputation and payout reliability highly.

• Why it stands out: A long track record and a clear path to 90%.
• Watch out for: The 2-Step starting split of 80% is lower than many newer competitors.

9. FundedNext: 80% to 85% Base, Scaling to 90%

FundedNext offers several challenge types with base splits in the 80% to 85% range depending on the program, rising to 90% through its scaling plan. Its scaling path can take capital up to $4 million.

Best for: Forex traders who want a cheaper entry point and a long scaling runway.

• Why it stands out: Lower entry costs and a large scaling ceiling.
• Watch out for: Splits differ by program, so confirm the exact figure for the challenge you buy.

Quick Comparison: Prop Firms With the Highest Profit Splits

One pattern stands out. Futures prop firms tend to start at 90% by default, while forex prop firms usually start at 80% and make you work toward 90% or more.

How to Choose Among Prop Firms With the Highest Profit Splits

A high split only helps if you get paid. Here is a practical way to compare your options.

1. Match the market to your strategy. If you trade futures, firms like Topstep, Apex, and Bulenox give you 90% or more from the start. If you trade forex, look at FundingPips, The5ers, FTMO, and FundedNext.
2. Work out your effective split. Estimate your realistic monthly profit and calculate what you would keep over 12 months at each firm. A 100% bonus capped at $10,000 can end up paying less than a steady 90% if you trade for a full year.
3. Check the drawdown type. A trailing drawdown moves up as your account grows, while a static one stays fixed. A generous split means nothing if a tight trailing drawdown knocks you out before your first payout.
4. Add up the real costs. Include challenge fees, monthly subscriptions, activation fees, and resets. A cheaper challenge at 80% can beat an expensive one at 90%.
5. Read the payout rules. Look at minimum trading days, winning-day requirements, consistency rules, and payout caps. These decide how often and how much you can actually withdraw.
6. Look at the scaling path. If you plan to trade for years, a firm that starts lower but scales to a bigger account can earn you more in the long run.

A Simple Example

Say you make $3,000 a month. At a flat 90% firm, you keep $32,400 over a year. At a firm paying 100% on the first $10,000 and 80% after that, you keep about $30,800 for the year. The flashier offer ends up paying less once the bonus runs out.

Hidden Costs and Red Flags Behind High Profit Splits

A big split is a marketing tool, and some firms use it to distract from rules that make payouts hard to reach. Keep these points in mind.

Evaluation Fees Fund Most Firms

Most retail prop firms earn the bulk of their revenue from challenge fees, not from sharing in trader profits. That is not automatically bad, but it means the business depends on many traders failing. A firm that suddenly offers an unusually high split with cheap challenges may be chasing sign-ups rather than building something sustainable.

“Up To” Does Not Mean “Starting At”

The phrase “up to 100%” hides a lot. At some firms, you start at 50% and need to grow your account many times over to reach the top tier. Always find the starting split for the exact program you plan to buy.

Caps on the Bonus Phase

A 100% profit split that ends after $10,000 is very different from one that runs to $25,000. Check whether the cap is per account or across all your accounts.

Payout Restrictions

Watch for these common limits:

• Maximum payout per request, which can hold back large winning months
• Minimum winning days before you can withdraw
• Consistency rules that cap how much of your profit can come from a single day
• Processing fees on bank wires or certain payment methods
• Locked payout cycles, where your split is tied to a schedule you cannot change later

Rule Changes Without Much Notice

Firms update terms often. Topstep’s January 2026 split change is a good example: it was clearly announced, but many comparison sites still list the old terms months later. Always read the firm’s own help center before paying.

Regulation Is Still Catching Up

Most retail evaluation firms run simulated accounts and sit outside traditional broker regulation. Some larger US futures firms have started registering in various capacities with the Commodity Futures Trading Commission, but registration improves transparency, not your split. Treat any firm’s promises with healthy skepticism and never risk money you cannot afford to lose.

FAQ About Prop Firms With the Highest Profit Splits

Which prop firm has the highest profit split in 2026?

Apex Trader Funding offers 100% on your first $25,000 in payouts, which is the largest 100% window among major futures firms. On the forex side, FundingPips pays 100% on its monthly payout cycle, and The5ers can reach 100% through scaling.

Is a 100% profit split real?

Yes, but it almost always comes with conditions. It may be capped, tied to a slower payout cycle, or only available after long-term scaling.

Is a 90% split better than an 80% split?

On the same rules, yes. In practice, an 80% firm with fairer drawdown rules, cheaper challenges, or faster payouts can leave you with more money than a 90% firm where you keep losing accounts.

Can I negotiate my profit split?

No. Splits are set by program and tier. The only ways to improve yours are to choose a different program, buy an add-on where offered, or hit scaling milestones.

Do futures or forex prop firms pay higher splits?

Futures firms generally start higher, with 90/10 as a common default. Forex firms more often start at 80/20 and offer a route to 90% or more.

Conclusion

The prop firms with the highest profit splits in 2026 fall into two camps: futures firms like Apex Trader Funding, Bulenox, Topstep, Top One Futures, and Tradeify that pay 90% or more from the start, and forex firms like FundingPips, The5ers, FTMO, and FundedNext that can reach 90% to 100% once you meet certain conditions.

Apex offers the biggest 100% window at $25,000, FundingPips gives forex traders a real 100% option if they accept monthly payouts, and Topstep now pays a clean 90/10 from the first dollar for new traders. Still, the split is only one piece of the puzzle. Drawdown rules, fees, payout limits, and how long you can realistically stay funded matter just as much, so run the numbers on your own expected profit, read each firm’s current terms, and pick the one where you are most likely to keep getting paid.