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Updated 2026-03-08
FTMO vs PipFarm: Which Prop Firm Is Better?
Traders choosing between FTMO and PipFarm face a decision between an established industry leader and a newcomer offering aggressive profit splits. FTMO's two-phase evaluation costs $540 for a $100K challenge but allows 5% daily drawdown, while PipFarm charges $750 for single-phase testing with only 2% daily loss room but offers a 99% profit split. This comparison examines the key differences in evaluation structure, risk parameters, and trader support to help you determine which firm aligns with your trading style and risk tolerance.
F
FTMO
Est. 2015 · Prague, Czech Republic
4.8
40,000 reviews
VS
9 wins
1 ties
4 wins
P
PipFarm
Est. 2023 · N/A
4.3
1,000 reviews
Feature
FTMO
PipFarm
Challenge Price ($100K)
$540✓ Lower entry cost
$750
Phase 1 Profit Target
10%
N/A
Phase 2 Profit Target
5%
None (single-phase)✓ Single-phase evaluation
Max Daily Loss
5%✓ More daily loss room
2%
Max Total Loss
10%✓ More drawdown room
6%
Min Trading Days
4 days
None✓ No minimum
Time Limit (Phase 1)
30 days
90 days✓ More time to pass
Payout Split
80% (up to 90%)
99%✓ Higher profit split
FTMO
Pros
+Most established and trusted brand in prop trading (est. 2015)
+Free retry policy if profit target met but other rule breached
+Strong payout track record — $500M+ total paid to traders
+Performance coaching and FTMO Academy included
Cons
−News trading restricted (2 min buffer around major events)
−Higher challenge prices than most competitors at same account sizes
−Scaling plan slower than rivals (25% increase every 4 months)
−Maximum initial allocation capped at $200K before scaling
PipFarm
Pros
+Highest profit share in the industry at up to 99%
+Multiple challenge modes (Classic, Endurance, Consistency) to suit different trading styles
+Fast scaling program up to $1.5M maximum allocation
+Flexible payout intervals with weekly option available
+Experience points system with increasing benefits and profit share up to 99%
Cons
−Relatively new firm founded in 2023 with limited track record
−Limited to cTrader platform only
−Complex rule structure with multiple modes may be confusing for beginners
−90-day time limit resets after each payout adding pressure
−Many features require additional fees as add-ons
Our Verdict
Which Should You Choose?
FTMO suits most traders, particularly those who need generous risk parameters and proven reliability. Its 5% daily loss limit and 10% total drawdown provide significantly more trading room than PipFarm's restrictive 2% daily and 6% total limits. The $210 lower entry cost ($540 vs $750) and 8-year track record with 40,000 Trustpilot reviews make it the safer choice for most traders.
PipFarm appeals specifically to highly consistent traders who rarely hit drawdown limits and prioritize profit retention over risk flexibility. The 99% profit split versus FTMO's 80-90% is compelling, but only if you can operate within the tight 2% daily loss constraint. New traders and those prone to larger drawdowns should avoid PipFarm's restrictive risk parameters.
For most traders, FTMO is the better choice due to its superior risk management allowances and lower barrier to entry, despite the lower profit split. Only consider PipFarm if you're an experienced trader with exceptional risk control who values the higher profit retention over trading flexibility.
Choose FTMO if:
→Most established and trusted brand in prop trading (est. 2015)
→Free retry policy if profit target met but other rule breached
Disclaimer:This comparison is for informational purposes only. Prop firm rules change regularly — always verify current terms on each firm's official website before purchasing a challenge. This is not financial advice. Updated 2026-03-08.