Prop firm marketing shows the account size — never the honest take-home. This free prop firm payout calculator gives you the real number: for your funded account size, realistic monthly return, profit split, and payout cycle, it computes per-cycle payout, monthly take-home, projected annual income, and the ROI on the challenge fee you paid to get funded.
Prop Firm Payout Calculator is part of the free Aurex Trader calculator suite — 23 browser-based tools for gold (XAUUSD) and forex traders. Nothing is installed, no account is required, and every calculation runs locally in your browser.
Formula: Gross Per Cycle = Account × Monthly Return × (Cycle Days / 30) | Net Per Cycle = Gross × Split | Annual = Net × (365 / Cycle Days) Example: $100k account × 6% monthly × 80% split × 30-day cycles → $4,800 per month × 12 = $57,600 annual take-home. On a $500 challenge fee, that's 11,520% ROI on the fee.
A consistent trader hitting 5% monthly on a $100k funded account at 80% split earns ~$4,000/month or ~$48k/year from one account. Scaling multiple funded accounts is where full-time prop income comes from — most successful prop traders run 3–5 accounts totalling $300k–500k of buying power.
For traders who pass the challenge and hold funding for 6+ months: 3–8% monthly is realistic. Anything above 10% consistent monthly is elite (top 1%) — and often unsustainable because it usually comes from oversized risk that eventually breaches the drawdown limit.
80% is the industry standard for the first funded stage; 90% is premium and worth paying slightly more for. Some firms scale to 90–100% after a certain profit milestone. Avoid firms offering less than 70% — the math rarely works out for the trader.
Yes — most reputable firms refund the challenge fee with your first payout after you pass and reach a set profit target. Factor this into your ROI calculation by treating the fee as a fully recoverable cost if you clear the first payout.
Start with one — pass the challenge, take three consecutive monthly payouts, prove your consistency, then scale. Trying to trade 3 accounts before mastering one is the #1 reason prop traders blow their entire portfolio in a single bad week.