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Prop Firm vs Own Capital Cost Calculator
The expected cost to get funded, the pass rate you need to break even, and how it compares with your own capital.
By Jacob Walder (pen name), last checked 2026-10-13
Educational tool, not advice. It does arithmetic on the numbers you enter. It can't predict whether you pass. Firm presets use rules we verified on each firm's site; always check the firm's current rules.
Your plan
What one attempt costs. For monthly plans, use what you expect to pay per attempt.
A one-off fee some firms charge when you pass. 0 if none.
The account size you'd trade once funded.
The share of profit you keep.
What you could trade with your own money instead. 0 if none.
Assumptions (edit these)
Published rates we found run from 8.89% (Earn2Trade, 2025) to 17.7% (E8, 2023 to 2024). Your own may differ.
The optimistic end of your range.
A guess. Many traders make nothing or lose. 0% is a fair low case.
A guess for a good month. This is not a forecast.
How long you assume the funded account lasts. Firms rarely publish this.
Assumes the funded account survives the whole period and pays out on schedule. Ignores taxes, resets and monthly fees beyond the first attempt.
Want the full explanation? Read the guide: Prop Firm vs Your Own Capital: Honest Cost Calculator.
Honest risk note: most challenge buyers fail. This tool is educational and not financial advice.
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