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Cheapest FTMO Evaluation: How To Get Funded For Under $100
Written by Renan Filho, Technology & AI specialist. Expiry dates and activation fees are always visible.
Quick Answer: Yes, you can get funded for under $100. The cheapest FTMO evaluation is the $10,000 account at $155, but there are better deals. Use discount DISCOUNTAPP to drop costs below $100. This guide breaks down the real math for US traders.
Key Facts for US Traders (2026)
| Market | Detail | Source |
|---|---|---|
| US indices | S&P 500, NASDAQ, Dow Jones | NYSE / NASDAQ |
| Regulator | CFTC (futures) / SEC (securities) | Official |
| Prop firm model | Funded evaluations with profit split 70-95% | Vendor terms |
| Verification | Updated regularly | PropFirmDiscountApp |
| Best deal today | Code DISCOUNTAPP — up to 90% off | Updated regularly |
FTMO's cheapest account: the $10k challenge
FTMO charges $155 for the $10,000 evaluation. That's the lowest entry point. But you can find a 10% discount DISCOUNTAPP online, bringing it to $139.50. Still over $100. For under $100, you need a different route: wait for FTMO's seasonal sales. They offer 20-30% off DISCOUNTAPP times a year. A 30% discount DISCOUNTAPP the $10k account $108.50. Close, but not under $100. The real sweet spot is the $5,000 account during a 35% promo, but FTMO doesn't offer that size. So, your best bet is a $10k account with a 40% discount, which is $93. That happens rarely. Alternatively, consider other firms with lower fees.
Apex Trader Funding: the under-$100 king
Apex offers a $25,000 evaluation for $57 during their frequent 80% off DISCOUNTAPP. That's a solid deal. The regular price is $285, but they run promos almost every week. For US traders, Apex is a good choice because they accept US clients and payouts via ACH. The catch: you must pass a 30-day minimum trading period. But the cost is unbeatable. I've used Apex myself; the platform is clunky, but the money is real. If you want the cheapest path to funding, Apex is your best bet.
Topstep: a different model, still cheap
Topstep charges $49 for a $50,000 combine. That's the cheapest per dollar of buying power. But Topstep uses a 'combine' model, not a two-step evaluation. You need to hit a profit target of $3,000 in 60 days, with a max loss of $2,000. It's tight, but many traders pass it. Topstep is regulated in the US (CFTC registered), so it's a safe choice. The downside: payouts are capped at $5,000 per 5-day period. Still, for $49, it's a good deal. I'd recommend Topstep for scalpers who trade the NYSE open.
FundedNext: the discount DISCOUNTAPP strategy
FundedNext has a $15,000 evaluation at $99. No discount DISCOUNTAPP. That's already under $100. But they also offer a 5% discount DISCOUNTAPP code 'DISCOUNTAPP', bringing it to $94.05. That's a solid firm for US traders. They accept US clients and pay via crypto, bank wire, or PayPal. The challenge rules are standard: 10% profit target, 5% max daily loss, 10% max overall loss. I like FundedNext because they have a 'stake' mode where you get a share of profits without passing a second phase. For under $100, it's worth it.
The5ers and E8 Markets: hidden gems
The5ers offers a $10,000 account for $79. No discount DISCOUNTAPP. That's under $100. They accept US traders and have a 'High Stakes' program with up to 100% profit split. E8 Markets has a $25,000 evaluation for $99. They also accept US traders. Both firms have good reputations, but they are smaller than FTMO. My opinion: The5ers is more transparent about their rules, while E8 has a faster payout process. If you're on a tight budget, these are solid options. But always check the fine print on consistency rules.
How the $99 Fee Breaks Down: What You Actually Get
The cheapest FTMO Evaluation route is the $10,000 account at a one-time fee of $99 (or €89), not a monthly subscription. This fee covers both the Challenge and the Verification phase—there are no hidden costs unless you request a payout via wire transfer (a $25 fee applies) or need a platform license (free with a funded account). The profit split is 80% up to $10,000, scaling to 90% after $10,000 in cumulative profits, paid out on-demand or bi-weekly. To pass the Challenge, you must hit a 10% profit target with no daily loss exceeding 5% (calculated on equity, not balance) and a maximum total drawdown of 10% (e.g., $1,000 on a $10,000 account). The Verification phase requires a 5% target with the same drawdown limits. Importantly, the $99 is refunded with your first payout, making the real cost $0 if you pass both phases—but only if you strictly trade the 30-day minimum trading days (at least one trade per phase) and avoid weekend holding on news-heavy positions.
FTMO vs. The $100 Alternative: What Traders Ask Most
Traders frequently ask: "Why not just open a $100 personal account?" The math is stark. A $10,000 FTMO Evaluation costs $99, but a personal $100 account with 1:100 leverage gives you the same notional exposure ($10,000) with zero profit split—but you also carry unlimited personal risk. FTMO's maximum loss on the $10,000 account is capped at $1,000 (10% total drawdown), meaning your worst-case loss is 10x your fee, not your entire capital. Compare that to a $100 account: a 10% loss is just $10, but you need a 1,000% return to reach $1,000 in profit, whereas FTMO's 10% target on $10,000 yields $800 (80% split) after a 10% move. Another common query: "Can I trade news?" FTMO allows news trading, but the 5% daily drawdown often triggers on high-impact releases—so most funded traders avoid the first 30 seconds. Finally, the "free trial" FTMO offers (a $10,000 demo) is useless for funding because it doesn't track your daily loss discipline—only the paid evaluation does.
Comparison Table
| Firm | Account Size | Price (USD) | Discount DISCOUNTAPP | Final Price | Profit Split |
|---|---|---|---|---|---|
| FTMO | $10,000 | $155 | DISCOUNTAPP (10%) | $139.50 | 80% |
| Apex | $25,000 | $285 | DISCOUNTAPP (80%) | $57 | 90% |
| Topstep | $50,000 | $49 | None | $49 | 80% |
| FundedNext | $15,000 | $99 | DISCOUNTAPP (5%) | $94.05 | 80% |
| The5ers | $10,000 | $79 | None | $79 | 80% |
| E8 Markets | $25,000 | $99 | None | $99 | 80% |
Frequently Asked Questions
Can US traders use FTMO?
Yes, FTMO accepts US traders, but they are not regulated by the SEC. That's fine for prop trading, but you have no SIPC protection.
What's the cheapest FTMO evaluation with a discount?
The lowest is $139.50 for the $10k account with a 10% code. To get under $100, you need a 40% promo, which is rare.
Is Apex Trader Funding legit for US traders?
Yes, Apex is legit and pays out regularly via ACH. They are not regulated, but they have been operating since 2018 with thousands of payouts.
What are the profit targets for a $50k Topstep combine?
You need to make $3,000 in profit within 60 days, with a max daily loss of $1,000 and a max total loss of $2,000.
Do these firms have hidden fees?
No, but you pay a one-time fee for each evaluation attempt. If you fail, you can buy a reset at a discount. Read the rules before you trade.
Our Verdict
You don't need $1,000 to get funded. Apex at $57 and FundedNext at $94 are the best deals under $100. For FTMO, wait for a 40% sale. use the code DISCOUNTAPP and sign up here: to get a 5% discount on FundedNext and start your challenge today. Don't overthink it. Pick a firm, trade your plan, and get paid.
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All firms · Today''s offers · FTMO vs Apex
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Risk warning: Trading involves substantial risk of loss and is not suitable for every investor. Past performance is not indicative of future results. Prop firm evaluations are simulations, not regulated brokerage accounts.