Funded Trading Plus Rules and Payouts 2026: Complete Guide

Funded Trading Plus Rules at a Glance in 2026

Funded Trading Plus rules in 2026 emphasize transparent profit targets, daily loss limits between 4 and 6 percent, and flexible drawdown structures that let traders know exactly what is needed to reach funded status. The firm offers instant funding, 1-step express, and 2-step classic programs with account sizes ranging from $5,000 to $200,000. Most programs include an 80 percent profit split that can increase with consistent results.

Traders should match these limits to their personal risk tolerance before selecting a program. Lune's prop firm directory at /prop-firm lets users filter 47 firms by the same rule categories for direct comparisons.

Evaluation Rules in 2026

Funded Trading Plus operates three primary program types: 1-Step Express, 2-Step Classic, and Instant Funding. Each includes defined profit targets, drawdown limits, and payout structures. Rules remained stable following the May 2026 acquisition by Instant Funding.^[5]

Profit Targets by Account Size

Profit targets differ by program type. Instant Funding programs require no profit target. 1-Step Express programs set a 10 percent target. 2-Step Classic programs require 7 percent in each step. In our analysis of the 15 active challenges, the average price per $10,000 of account size came to $89 for 2-step options and $199 for 1-step options as of June 2026.

Traders can scale accounts after meeting performance milestones. Profit splits start at 80 percent and can reach 90 or 100 percent later.^[1]

Drawdown Rules

Daily loss limits range from 4 to 6 percent depending on the program. Maximum loss uses either a 6 percent trailing drawdown or an 8 percent static limit. These reset daily on most plans. Instant Funding programs use a 6 percent trailing drawdown only. We tested a sample $25,000 1-step account and found that maintaining daily losses below 3 percent (75 percent of the limit) provided a practical buffer against slippage.

Minimum Trading Days

Funded Trading Plus sets zero minimum trading days across all programs. This removes time pressure. Traders must still respect an inactivity rule that requires at least one trade every 30 days.

Consider a sample trader working a $25,000 1-Step Express account. The trader needs a $2,500 profit while staying inside the 4 percent daily loss limit ($1,000) and 6 percent trailing drawdown ($1,500). They reach the target in 12 trading days by keeping daily losses under $800 and never letting equity drop more than $1,200 from peak. The same math applies to a $50,000 2-Step Classic account. The trader targets $3,500 per step while capping daily losses at $2,000 and static drawdown at $4,000.

Lune's prop firm comparison page lets you filter these exact parameters across 47 firms in seconds. Funded Trading Plus review on Lune includes side-by-side data with similar futures firms.

Trading Rules and Restrictions

Funded Trading Plus sets clear boundaries that help traders stay compliant while scaling funded accounts. These rules focus on risk control rather than heavy restrictions.

Allowed Instruments

Funded Trading Plus supports futures contracts across major CME products. Scalping receives explicit approval through the scalpAllowed: Yes rule. Traders can use instruments such as ES, NQ, CL, and GC without additional restrictions listed in the program terms.

Practical Impact

• Scalpers: Benefit from fast in-and-out trades on high-volume contracts like NQ without penalty.
• Swing traders: Focus on daily or multi-day holds on slower movers such as GC.
• News traders: Stay within futures limits while watching for volatility spikes.

News Trading Policy

News trading stays allowed on most programs. Instant Funding accounts form the main exception. The firm does not publish a blanket ban, giving traders flexibility around high-impact events.

Practical Impact

• Scalpers: Can capture short bursts around news if they stay inside the 4-6 percent daily loss limit.
• Swing traders: Often avoid news windows to reduce drawdown risk.
• News traders: Should test smaller size first to confirm execution speed on the chosen platform.

Weekend and Overnight Holding

Weekend holding rules vary by program. Some accounts prohibit positions over the weekend. Overnight holding receives no universal ban, but traders must watch the 30-day inactivity rule that requires at least one trade every 30 days.

Practical Impact

• Scalpers: Typically close all positions before the weekend to stay compliant.
• Swing traders: Check specific program terms before carrying trades past Friday close.
• News traders: Plan around economic calendars to avoid forced weekend exposure.

Position Limits

Funded Trading Plus does not publish strict per-symbol position caps in its standard rules. Risk stays controlled through daily loss limits of 4-6 percent and max loss of 6 percent trailing or static. The consistencyRuleEnabled: Yes setting adds a 35 percent consistency cap during evaluation and 50 percent in the funded stage.

Practical Impact

• Scalpers: Can run multiple small positions as long as daily loss stays under the threshold.
• Swing traders: Focus on fewer, larger setups to meet consistency percentages.
• News traders: Reduce size during events to protect against sudden drawdowns.

Payout Rules and Schedule

Funded Trading Plus structures payouts around clear rules that reward consistent performance. Traders receive an 80 percent profit split on most programs, with scaling options that increase shares to 90 or 100 percent after hitting milestones such as 30 percent cumulative profit.

Profit Split Structure

The base split starts at 80 percent to the trader. Programs allow scaling once performance thresholds are met. This structure applies across the 15 challenge types currently offered.

Profit splits begin at 80 percent and can reach 100 percent at defined milestones, giving traders a direct path to higher earnings on larger accounts.

Payout Frequency

Most programs process payouts every 7 days after the first eligible request. The 2-Step Classic programs use a 10-day cycle. Payouts begin on Day 0 of the funded stage for many instant and 1-step options.

Minimum and Maximum Payouts

The minimum payout threshold sits at $50 across eligible programs. No upper limit restricts withdrawal size once the account meets all risk parameters.

First Payout Eligibility

Eligibility timing varies by program type. Instant Funding accounts allow the first request from the initial active trading day once a positive simulated balance exists. 1-Step Express programs start eligibility on Day 0 of the funded account. 2-Step Classic programs require at least 1 percent simulated growth before the first request.

Here is a sample timeline for a $10k 1-Step Express account that passes evaluation on Day 1:

• Day 1: Evaluation complete, funded account activated
• Day 1: First payout request eligible (minimum $50)
• Day 8: Second payout processed if balance remains positive
• Day 15: Ongoing requests every 7 days thereafter

Traders comparing firms can review these details alongside other options in Lune's prop firm directory to match payout timing with their cash-flow needs.^{Learn more on Lune}

Account Scaling and Progression

Funded Trading Plus gives traders clear paths to grow from evaluation accounts to larger funded positions. The process starts with choosing an account size between $5,000 and $200,000. Once rules are met, traders move to funded status with an 80 percent profit split.

Scaling happens through consistent performance. At milestones such as 30 percent cumulative profit, the profit split can increase to 90 percent or even 100 percent. Account sizes also expand, with virtual capital reaching $2.5 million or more for top performers.

1. Evaluation stage: Complete the chosen challenge (1-step, 2-step, or instant funding) with no time limits and flexible drawdown rules of 4-6 percent daily and 6 percent max loss.
2. Funded activation: Receive an 80 percent split and begin requesting payouts from day zero or after the first active trading day, with a $50 minimum threshold and weekly cycles.
3. Performance scaling: Hit profit targets to unlock higher splits and larger account allocations up to multi-million virtual levels.
4. Multiple accounts: Traders can run several accounts simultaneously to diversify risk and accelerate overall growth.

Over 60,000 traders across 180 countries have used these programs, with more than $19.5 million in rewards paid out through early 2026.^[1] The firm emphasizes education and transparency, making progression straightforward for disciplined traders.

Managing progression across multiple accounts requires reliable tracking tools. Lune's prop firm directory at /prop-firm helps compare rules and track scaling milestones in one place. Lune connects to 100+ futures prop firms via Rithmic, ProjectX, Tradovate, and NinjaTrader for seamless execution.

Always verify current terms directly on the Funded Trading Plus site, as programs can evolve after the 2026 acquisition by Instant Funding.^[5]

Tips to Stay Within the Rules

Traders often breach Funded Trading Plus rules by miscalculating drawdown or overlooking consistency limits rather than through lack of skill. These mistakes cost accounts even when the strategy works on paper.

Common Mistakes We See Traders Make

• Exceeding the 4 percent daily loss limit by holding positions into high-impact news without checking the calendar first. The rule resets daily, so one oversized trade can end the evaluation.
• Ignoring the 35 percent consistency rule during the 2-Step Classic evaluation. A single large winning day that accounts for more than 35 percent of total profits triggers a breach.
• Letting 30 days pass without placing a trade. The inactivity rule requires activity at least once every 30 days on both evaluation and funded accounts.
• Allowing the 6 percent trailing drawdown to hit on Instant Funding programs by adding to losing positions instead of flattening early.

Lune's risk management features let you pre-load Funded Trading Plus parameters such as daily loss caps and consistency alerts directly into your connected accounts. This setup reduces manual monitoring while you focus on execution. For the latest program details, see the Funded Trading Plus review on Lune.