Prop Firms With 100% Profit Split — Keep Everything You Earn

Ranking · 9 min · 2026-04-16 · Alex Carter

Several prop firms now offer 100% profit splits — you keep every dollar you earn. But there's always a catch: higher challenge fees, monthly subscriptions, or scaling requirements. We break down which 100% split firms actually deliver the best overall value.

How 100% Profit Splits Actually Work

A 100% profit split sounds too good to be true, and the details matter. Firms offering full profit retention typically use one of three models: 1. Higher challenge fees — The firm charges more upfront to compensate for keeping nothing from your profits. A $500 challenge vs. $250 at an 80% split firm. 2. Monthly account fees — Some firms charge $50-$150/month to maintain your funded account, effectively reducing your net profit split. 3. Graduated splits — You start at 80% and earn 100% after hitting milestones (e.g., 3 consecutive profitable months). The critical question: Is 100% of your profits minus higher fees better than 80% of your profits with lower fees? The answer depends on your average monthly profit.

Best 100% Profit Split Firms Compared

We evaluated every firm offering 100% splits on at least one account type. Here's what we compared: • Entry cost (challenge fee) vs. equivalent 80% split firms • Hidden fees (monthly charges, data fees, platform costs) • Conditions to reach 100% (immediate vs. after milestones) • Payout frequency and reliability at 100% split Key finding: The true cost of a 100% split varies by $200-$800/year compared to an 80% split firm, depending on your trading volume and the firm's fee structure. For traders earning $5,000+/month in profits, the 100% split almost always wins on net payout.

The Math: When 100% Splits Beat 80% Splits

Let's run the numbers on a $100K funded account: Scenario: $5,000/month profit • 80% split, $250 challenge: $4,000/month — $48,000/year net • 100% split, $500 challenge, $100/month fee: $4,900/month — $58,800/year net • Difference: +$10,800/year for the 100% split Scenario: $1,000/month profit • 80% split, $250 challenge: $800/month — $9,600/year net • 100% split, $500 challenge, $100/month fee: $900/month — $10,800/year net • Difference: +$1,200/year for the 100% split Scenario: $500/month profit • 80% split, $250 challenge: $400/month — $4,800/year net • 100% split, $500 challenge, $100/month fee: $400/month — $4,800/year net • Breakeven point — the 100% split offers no advantage Conclusion: The breakeven point is approximately $500/month in profits. Below that, the extra fees negate the higher split. Above it, 100% splits win decisively.

Which Traders Should Choose 100% Splits?

100% profit splits make the most sense for: • Consistent earners — If you reliably make $3,000+/month in profits, the math strongly favors 100% splits. • Full-time traders — The higher upfront cost is justified by the volume of profits you'll retain. • Scalers — If you plan to grow to $200K+ accounts, the split difference compounds significantly. 100% splits are NOT ideal for: • Beginners — You're more likely to fail the challenge, making the higher fee a bigger risk. • Part-time traders — Lower monthly profits may not overcome the fee premium. • Strategy testers — Use cheaper 80% split challenges to validate your approach first. Our recommendation: Start with an 80% split firm to prove your consistency, then migrate to a 100% split firm once you're consistently profitable. The data shows this two-step approach minimizes total cost while maximizing long-term earnings.

  1. Tradeify — 8.4/10, 100/0 first $15K, then 90/10, $65 – $221 (one-time)
  2. The5ers — 8.4/10, 50/50 – 100/0, $39 – $1,250
  3. Funding Pips — 8.4/10, 60/40 – 100/0, $36 – $499
  4. Apex Trader Funding — 8.1/10, 100/0, $249 – $657 (one-time)
  5. City Traders Imperium — 8.1/10, 80/20 – 100/0, $39 – $589
  6. FXIFY — 7.8/10, 75/25 – 90/10 (up to 100% with add-on), $39 – $1,599
  7. Funded Trading Plus — 7.8/10, 80/20 – 100/0, $119 – $949
  8. Alpha Futures — 7.8/10, 100/0 (first $12.5K) · 70/30 – 90/10, $79/mo – $239/mo