FTMO vs Instant Funding: Prop Firm Comparison 2026

Compare FTMO (forex/CFD) and Instant Funding (forex/CFD) side by side — profit splits, challenge fees, drawdown rules, platforms, and trading restrictions.

FTMO

FTMO

 Instant Funding

Instant Funding
Trustpilot rating 4.8★ (44,847 reviews) 3.1★ (4,683 reviews)
Max profit split 90% 80%
Evaluation types 2 Steps, 1 Step Instant, 1 Step, 2 Steps
Account sizes $10K, $25K, $50K, $100K, $200K $625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K
Cheapest challenge fee $79 $25
Drawdown type — Static / Trailing
Platforms MT4, MT5, cTrader MT5, cTrader, Match-Trader
Payout frequency 14 days from first trading day After the 24-hour window / On-demand / Every 7 days / 14 days, then weekly / On-demand, then every 7 days / Every 14 days
News trading Restricted Restricted
Automated trading / EAs Allowed Restricted
Weekend holding Restricted Allowed

Verdict

FTMO offers a higher advertised profit split (90% vs 80%). Instant Funding is cheaper to enter, with challenge fees from $25 compared to $79 at FTMO. Both firms support 3 trading platforms.

True Cost Calculator

See how much it truly costs to get funded at FTMO, including multiple failed attempts.

Fee for $25K · 2-Step: €250 · Split: 80% to you
How many attempts?

Drag to model your worst-case scenario

2attempts
1Best
2
3
4
5Worst
Total Spent

€500

2 attempts × €250 fee

Net Cost

€250

✓ Last fee refunded on 1st payout

Break-Even

1.25%

Profit needed on $25K after 80% split

💡 Fees shown in EUR. Break-even is the minimum profit % you need on your funded account to cover all challenge costs. 2-Step includes a fee refund on your passing attempt.

FTMO vs Instant Funding — FAQs

Both FTMO and Instant Funding are legitimate prop trading firms, and the better choice depends on your priorities. FTMO has a higher Trustpilot rating (4.8 vs 3.1). FTMO offers a higher profit split (90% vs 80%).
FTMO has the higher advertised profit split at up to 90%, compared to 80% at Instant Funding.
Instant Funding is cheaper to get funded, with challenge fees starting at $25 compared to $79 at FTMO.
Both firms can be used by beginners, though the right choice depends on your experience level. Both offer 1-step evaluations suited to beginners. FTMO account sizes: $10K, $25K, $50K, $100K, $200K. Instant Funding account sizes: $625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K.