Fintokei Evaluation 2026: Challenge Process, Targets & How to Pass

Fintokei Evaluation at a Glance

Fintokei Evaluation gives traders access to three core programs that test different skill levels and timeframes. The firm runs StartTrader as a 3-step process, SwiftTrader as a 1-step route, and ProTrader as a 2-step option. Account sizes range from $5,000 to $200,000 with profit targets, drawdown rules, and minimum trading days that vary by plan. As of October 2026, the structure remains consistent across programs while allowing traders to select account sizes that match their risk tolerance and capital goals.

Traders can review full details and current pricing on the Lune Fintokei guide.

Lune users can connect supported accounts through platforms like Rithmic and ProjectX while applying automated risk rules during evaluations. Note that Fintokei focuses on forex while Lune specializes in futures infrastructure.

Challenge Phases & Structure

Fintokei runs three evaluation programs with different phase counts. StartTrader uses a 3-step process. ProTrader uses a 2-step process. SwiftTrader uses a single step. All programs begin with account selection and payment, then move through evaluation phases before reaching a funded account. The phased approach helps traders demonstrate consistency before accessing firm capital.

StartTrader (3-Step)

1. Sign up and pay the one-time fee, which ranges from $44 for a $5,000 account to $419 for a $100,000 account.
2. Complete Phase 1 with a 2% profit target, Phase 2 with a 3% target, and Phase 3 with a 6% target. Each phase requires at least 3 trading days and stays under a 3% daily loss limit and 6% static max loss.
3. Reach the funded stage where the profit split starts at 80% and payouts occur bi-weekly. The consistency rule limits any single day to 40% of the profit target across all phases.

ProTrader (2-Step)

1. Sign up for the $50,000 account at $2,440 and clear Phase 1 with an 8% profit target under a 5% daily loss limit and 10% trailing max loss.
2. Finish Phase 2 with a 6% profit target while maintaining the same risk limits and at least 3 trading days.
3. Move to funded status with an 80% profit split and bi-weekly payouts after hitting three profitable days.

SwiftTrader (1-Step)

1. Sign up and pay the fee, such as $119 for a $10,000 account or $1,299 for a $200,000 account.
2. Hit the single 10% profit target within at least 5 trading days while staying inside a 3% daily loss limit and 6% static max loss.
3. Enter the funded account immediately with a 100% profit split and bi-weekly payouts once you reach a minimum 3% profit per payout request.

Profit Targets & Requirements by Account Size

Fintokei structures its evaluation programs around three main paths. Each path sets different profit targets, drawdown rules, and minimum trading requirements based on the account size you choose. Traders must meet all targets while staying inside daily loss and overall drawdown limits. The rules stay consistent within each program type across account sizes.

Profit Targets

Profit targets scale with account size and program difficulty. StartTrader uses a three-phase structure with modest per-phase targets. SwiftTrader requires a single 10 percent target. ProTrader sits in between with two phases. The table below lists every available account size, its program type, profit targets per phase, daily loss limit, and maximum drawdown type.

Time Limits & Minimum Trading Days

Every challenge also sets a minimum number of trading days and an overall time window. These rules prevent rushed or overly conservative trading. StartTrader accounts require at least 3 trading days per phase and must finish within 180 days total. SwiftTrader accounts require 5 trading days and enforce a minimum 3 percent profit before the first payout. ProTrader accounts require 3 trading days and at least 3 profitable days before the first payout. Consistency rules apply only to StartTrader phases. No single day may produce more than 40 percent of the phase profit target.

Fintokei Challenge Cost & Account Options

Fintokei structures its pricing around three main evaluation programs. Each program offers different account sizes and profit targets, with one-time fees that range from low entry points to higher tiers for larger funding. The StartTrader program uses a 3-step process with profit targets of 2 percent, 3 percent, and 6 percent. Account sizes start at $5,000 for $44 and scale up to $100,000 for $419. All plans include a 3 percent daily loss limit and 6 percent static max loss.

SwiftTrader offers a faster 1-step route with a 10 percent profit target. Fees begin at $119 for the $10,000 account and reach $1,299 for the $200,000 size. These plans carry a 3 percent daily loss limit and 6 percent static drawdown. Best value appears in the smaller StartTrader accounts. The $5,000 option delivers the lowest cost per dollar of potential funding at roughly 0.88 percent of account size.

Additional codes include NEW20 for 20 percent off a first challenge and FIVETOKEI for select users. Check the prop firm directory for the latest verified offers before purchase. Lune's prop firm comparison tool tracks these exact fees and rules across 47 firms so traders can match account size to budget without manual updates.

How to Pass the Fintokei Evaluation

Passing a Fintokei challenge requires disciplined risk control more than aggressive profit chasing. The firm offers three main programs: StartTrader (3-step with 2/3/6 percent targets), ProTrader (2-step with 8/6 percent targets), and SwiftTrader (1-step with a 10 percent target). All share a 3 percent daily loss limit and 6 percent maximum static drawdown on most plans.

Position Sizing Relative to Daily Drawdown

Start every evaluation by sizing positions so one loss never exceeds one-third of your daily limit. With a 3 percent daily cap, risk no more than 1 percent of account equity per trade. On a $50,000 StartTrader account, that equals a $500 maximum risk per setup. This buffer protects against slippage or a string of small losses that could trigger the rule.

Realistic Daily Goals and Consistency Rules

Set a daily profit target of 0.5 to 0.75 percent rather than pushing for the full 2 or 3 percent in a single session. StartTrader enforces a consistency rule that limits any one day to 40 percent of the phase profit target. On the first phase 2 percent target, no single day can exceed 0.8 percent profit. Exceeding this voids progress even if you hit the overall goal.

Practical Steps to Stay Within Rules

• Track open risk across all positions before market open.
• Use the 3 percent daily limit as a hard stop: flatten everything once reached.
• Review news calendars and avoid holding through high-impact events if your plan is sensitive to volatility.
• Log every trade in a journal to spot patterns that breach the 40 percent consistency cap.