Does FTMO's Payout Split & Schedule include unrealized profits?

Yes, FTMO calculates payouts based on net profit including both realized and unrealized gains and losses at the time of processing. If you have open positions with floating profits or losses, these will affect your bi-weekly payout amount. Only closed net profit provides guaranteed payout calculations.

What happens if I breach the Payout Split & Schedule?

You cannot actually breach the payout split rule itself, but violating other rules like maximum daily loss (5%) or total loss (10%) will terminate your funded account and end all future payouts. Breaching these rules means losing access to the 80-90% profit sharing permanently. The payout schedule continues as long as you maintain your funded account status.

When does FTMO's bi-weekly payout schedule reset?

FTMO's bi-weekly payout cycle runs continuously from your funded account start date, not on fixed calendar dates. Your first payout occurs 14 days after receiving your funded account, then every 14 days thereafter. The schedule doesn't reset based on months or trading activity, only the original funding date.

How does FTMO calculate net profit for the 80% split?

FTMO calculates net profit as your total account balance minus the initial funded amount, including all realized and unrealized positions. For a $100,000 funded account at $102,500 balance with $300 floating loss, your net profit is $2,200 ($102,500 - $300 - $100,000). Your 80% payout would be $1,760 on the next bi-weekly cycle.

Does FTMO's Payout Split & Schedule include unrealized profits?

Yes, FTMO calculates payouts based on net profit including both realized and unrealized gains and losses at the time of processing. If you have open positions with floating profits or losses, these will affect your bi-weekly payout amount. Only closed net profit provides guaranteed payout calculations.

What happens if I breach the Payout Split & Schedule?

You cannot actually breach the payout split rule itself, but violating other rules like maximum daily loss (5%) or total loss (10%) will terminate your funded account and end all future payouts. Breaching these rules means losing access to the 80-90% profit sharing permanently. The payout schedule continues as long as you maintain your funded account status.

When does FTMO's bi-weekly payout schedule reset?

FTMO's bi-weekly payout cycle runs continuously from your funded account start date, not on fixed calendar dates. Your first payout occurs 14 days after receiving your funded account, then every 14 days thereafter. The schedule doesn't reset based on months or trading activity, only the original funding date.

How does FTMO calculate net profit for the 80% split?

FTMO calculates net profit as your total account balance minus the initial funded amount, including all realized and unrealized positions. For a $100,000 funded account at $102,500 balance with $300 floating loss, your net profit is $2,200 ($102,500 - $300 - $100,000). Your 80% payout would be $1,760 on the next bi-weekly cycle.

Updated 2026-03-08

FTMO Payout Split & Schedule Rule Explained

FTMO

Quick Answer

FTMO pays funded traders 80% (up to 90%) of net profits bi-weekly from their funded account.

The payout is calculated based on net profit generated in your funded trading account, with payments made every two weeks. The split can increase from 80% to 90% based on your performance and consistency. This rule only applies after successfully passing both challenge phases and receiving a funded account.

Key Rule Details

Base Split

80%

Max Split

90%

Frequency

bi-weekly

Consistency Rule

Fee Refunded

Yes (with first payout)

Calculation Example

Account Size: $100,000 — Payout Split & Schedule: 80% (up to 90%)

Account Size	$100,000
Payout Split & Schedule Limit	80% (up to 90%)
Scenario: Closed P&L	$5,000 profit generated
Scenario: Floating P&L	80% payout split
Total Exposure	$4,000
Remaining Buffer	$1,000 retained by firm

Limit used:80%

Common Mistakes

Expecting Challenge Phase Payouts

Many traders mistakenly think they can receive payouts during the evaluation phases. FTMO's payout structure only applies to funded accounts after completing both Phase 1 (10% target) and Phase 2 (5% target). For example, if you make $2,000 profit during Phase 1 of a $50,000 account, you receive no payout until you pass both phases.

Misunderstanding Profit Calculation

Traders often confuse gross profits with net profits for payout calculations. FTMO calculates payouts on net profit, meaning total gains minus total losses. If you make $3,000 in winning trades but have $1,000 in losses on a $100,000 account, your 80% payout would be on $2,000 net profit ($1,600), not the $3,000 gross.

Expecting Immediate Payouts

New funded traders frequently expect instant access to their profits after a winning day or week. FTMO's bi-weekly schedule means payouts occur every 14 days regardless of when you generate profits. If you make $1,500 profit on day 1 of your funded account, you must wait until the next bi-weekly cycle to receive your $1,200 (80%) payout.

Forgetting Floating P&L Impact

Traders sometimes calculate expected payouts based on closed positions while ignoring open trades. FTMO calculates net profit including unrealized gains and losses at the time of payout processing. If you have $2,000 in closed profits but $500 in floating losses on a $50,000 account, your payout would be 80% of $1,500 ($1,200), not $1,600.

Protection Strategies

Track Net Profit for Payout Planning

Maintain a detailed spreadsheet tracking your net profit separate from your trading platform's display. Calculate your expected 80% payout amount weekly to plan your finances accordingly. For a $100,000 account with $2,500 net profit, expect approximately $2,000 in your bi-weekly payout.

Size Positions for Consistent Payouts

Use position sizing that generates steady profits rather than seeking large wins that might risk your funded status. Target 2-4% monthly returns on your funded account to maintain consistent bi-weekly payouts. On a $50,000 account, this means aiming for $1,000-2,000 monthly profit, resulting in $400-800 bi-weekly payouts.

Set Payout Tracking Alerts

Configure calendar reminders for FTMO's bi-weekly payout schedule and monitor your net profit daily. Set alerts when approaching the maximum daily loss (5%) or total loss (10%) limits that could jeopardize your payout eligibility. This ensures you protect both your account status and expected payouts.

Avoid Trading Before Payout Processing

Stop trading 24-48 hours before scheduled payout processing to prevent floating losses from reducing your calculated net profit. If you have $1,800 net profit locked in on a $100,000 account, avoid new positions that could reduce your $1,440 expected payout through unrealized losses during processing.

Related Rules

Profit Target (Phase 1)

10%

→

Profit Target (Phase 2)

→

FTMO Comparisons

/Compare/Fundednext vs Ftmo /Compare/Ftmo vs Fundingpips /Compare/Ftmo vs The Funded Trader /Compare/Ftmo vs The5ers

Frequently Asked Questions

Disclaimer: This guide is for informational purposes only and does not constitute financial advice. Prop firm rules change regularly — always verify current terms on FTMO's official website before purchasing a challenge. Updated 2026-03-08.