Pass, funded, paid — three walls, not one
Each wall has its own failure rate. Most traders only think about the first. The money lives behind the third — and the math compounds: a 14% chance to pass times a 48% chance to ever withdraw once funded is the ~7% number everyone quotes.
How the funded account quietly takes it back
- Blew up — drawdown breach44%
- Blew up — daily loss limit21%
- Never reached the profit buffer23%
- Never hit minimum qualifying days12%
Two ways funded accounts die before paying: a drawdown or daily-loss breach wipes them out, or they never reach the required profit buffer and qualifying days before a payout unlocks. And many firms keep trailing drawdown live on the funded account — the same rule that killed evaluations is still chasing you up the chart after you "passed."
Same skill, different payout rules — watch the money vanish
Same trader. Same strategy. Same funded account size. Flip only the payout gates.
The pass odds didn't change. The payout gates — not the challenge — decided whether they ever saw cash. This is the part of the marketing page you don't read until after you've paid.
Know your real chance of getting paid
The only honest number is the full-pipeline probability of a withdrawal: pass × survive × clear the gates. The tool calculates it for your strategy against any ruleset — plus the minimum payout you'd need just to break even on your evaluation fees.
Another failed challenge: hundreds of dollars.
Knowing before you pay: $49 / month.
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Related
- How prop firm payouts work
- What percentage of traders actually pass?
- Trailing drawdown explained
- Run your strategy through the simulator
Note on methodology: the model assumes each trade is independent of the next. Real trading has streaks — tilt, fatigue, regime changes — that this model doesn't capture. Treat the numbers as an honest baseline, not a guarantee. PropFirmBacktester is independent and not affiliated with any prop firm.