Prop Firms That Scale to $2 Million
Prop Firms That Scale to $2,000,000 or More (2026)
A scaling plan is the ladder a prop firm uses to grow your funded account after you have been paid. Ten firms on JoinProp document a ceiling of $2,000,000 or higher. Every firm on this page has been checked against its own rules pages, and any firm whose real cap turned out to be $400,000 or $200,000 has been removed, no matter what its marketing said.
Quick answer: the highest documented ceilings are Lux Trading at $10,000,000, FTUK at a claimed $6,400,000, Ment Funding and Top One Trader at $5,000,000 and Finotive Funding at an advertised $5,400,000. The highest scored firms are FTMO at 9.1, then FTUK and The5ers at 9.0. FTMO tops the list on quality while carrying the smallest ceiling here, $2,000,000, which is the honest trade off this page exists to show.
Showing all 10 results
- The best-known firm in the sector; simulated capital; unregulated
- 2-Step max drawdown is STATIC - a genuine fixed floor
- The 2-Step fee is refunded 100% with your first payout; the 1-Step never is
- The 1-Step carries a Best Day rule that nothing warns you about
- Includes the June 2026 payout report
- 2-Step challenge fee is refunded 100% with your first payout — one of the only genuine full refunds in the industry
- 2-Step max drawdown is STATIC (10%) — the floor never moves
- No consistency rules on the 2-Step beyond the stated objectives
- No withdrawal commission at all — FTMO charges nothing to pay you
- Scaling Plan: +25% capital every 4 months up to $2,000,000 (2-Step), performance-gated and free
- Minimum payout just $20 by bank wire
- No time limit on either challenge; MT4, MT5 and cTrader all supported
- Swing accounts have no news or weekend-holding restrictions
- The 1-Step fee is NON-REFUNDABLE — it looks cheaper than the 2-Step but is permanently the more expensive route to funded
- The 1-Step uses an END-OF-DAY TRAILING drawdown (the 2-Step is static) and a tighter 3% daily loss
- The 1-Step's 50% Best Day Rule silently blocks your pass or payout — it is not a breach, so nothing warns you
- On the 1-Step, every payout RESETS your trailing drawdown back to 90% of initial capital — you lose your entire buffer
- The Scaling Plan is 2-Step ONLY — the 1-Step has none
- There is NO reset product — failing means repurchasing the challenge at full price
- FTUK is NOT a UK firm - no UK entity; operates across four jurisdictions
- The profit split contradicts itself three ways across the firm’s own pages
- Simulated capital; no stop-loss requirement; scaling to a claimed $6.4m
- A "trading day" only counts if you made at least 0.5% profit that day
- "Account Protector", sold as a safety feature, can terminate the account
- Flex costs just 9 USD upfront — you pay the real fee only on passing
- No time limits on the evaluations
- Scaling runs to 3.2 million USD (6.4 million with a paid upgrade)
- Instant Funding available with no evaluation phase
- One-time fees, with no monthly subscription
- Trustpilot 4.0 from 735 reviews, with no enforcement banner
- There is no UK entity. FTUK names four different jurisdictions across its own site and holds no FCA authorisation
- A "trading day" is secretly defined as a day with at least 0.5% profit — so every minimum-trading-days rule is really a minimum profitable-days rule
- Account Protector: a −2% floating loss auto-closes trades and counts as a violation. Two triggers = automatic termination on Flex and Instant
- Payouts can be reduced to 0–50% at FTUK’s sole discretion
- CFD prop firm trading simulated capital; unregulated
- Split scales to 100% - free and performance-gated, never a paid add-on
- STATIC drawdown across every CFD programme; the floor never trails
- A 3.5% commission is deducted from every cash withdrawal, on all methods
- The 0.5% profitable-day rule is the real gate to getting paid
- Drawdown is STATIC across every CFD programme — the floor never trails you
- The split scales to 100% and it is free and performance-gated, never a paid add-on
- High Stakes runs 1:100 leverage — double most competitors
- A genuine ~70% fee refund exists on High Stakes
- No time limit on any evaluation; one-time fee, no recurring charges
- Forex commission 4 USD per lot round turn; no commission on indices
- MT5, cTrader and TradingView (US traders) supported
- A 3.5% commission is deducted from every cash withdrawal — Rise, crypto and bank transfer
- The 0.5% profitable-day rule is the real gate, and an open losing position at midnight destroys the day
- The 70% refund is High Stakes only, paid as equity, and the Terms separately call the fee non-refundable
- The consistency-rule percentage is not disclosed before purchase
- The5ers Futures uses a never-locking trailing drawdown — a trap for CFD traders crossing over
- CFD prop firm trading simulated capital; unregulated
- The split is a payout-frequency trade-off: monthly 100%, on-demand 90%, bi-weekly 80%, WEEKLY just 60%
- Profit Concentration Policy (June 2026): one big evaluation trade attaches a 4-profitable-day gate to every future payout
- Weekend holding suspended on funded accounts across all four standard models since 29 January 2026
- Payout terms and the June 2026 payout report are set out in the review
- 100% profit split is genuinely FREE and rule-based - you just accept a 30-day payout cycle (rivals charge for it or make you scale)
- Maximum drawdown is STATIC on all four standard models - the floor never moves
- No time limit on any evaluation
- 2 Step Pro is the quiet bargain: cheapest fees, 1-day minimum, and the Risk Per Trade Idea rule removed entirely
- No commission at all on indices or energies; 5 USD per lot on forex and metals
- Challenge fee refunded at your 4th reward on 1 Step and 2 Step Standard
- Max allocation now 400,000 USD; Prime scales to 2,000,000
- MT5, cTrader and Match-Trader
- Weekly payouts pay only 60% - the fastest cycle costs you 40% of your profit
- Weekend holding SUSPENDED on funded accounts across all four standard models since 29 Jan 2026
- Profit Concentration Policy (June 2026): one big winning trade in your evaluation permanently attaches a 4-profitable-day gate to EVERY future payout
- Resets cost 90% of the fee and are never refunded - the '4th reward refund' returns only your original fee
- FundingPips Zero is the strictest product here: 5% TRAILING drawdown, a 1% floating-loss hard breach, no reset, and four simultaneous payout gates
- Fee refund excludes 2 Step Pro, 2 Step Flex and Zero
- Registered in ANJOUAN, UNION OF COMOROS (licence L15829/TOT) - not the United States
- Split reaches 100%: earned on the Instant plans, a paid add-on on FLASH, NOVA and 2-Step PRO v2
- Static 9% on the 2-Step PRO v2; FLASH, NOVA and both Instant plans TRAIL
- A 2% fee is charged on every payout; minimum trade duration is 5 minutes
- From 5 Feb 2026, new 1-Step and 2-Step accounts lost the first-payout fee refund
- Splits reach 100% - earned on Instant Prime, or bought as an add-on elsewhere
- 2-Step PRO v2 uses a static 9% drawdown
- Documented scaling plan to a $5,000,000 maximum allocation
- Six programmes, including a $7 pay-after-pass NOVA entry
- Weekend and overnight holding permitted
- EAs allowed during the challenge phase
- Payouts twice monthly as standard, with a weekly add-on
- Trustpilot 4.5 from over 3,400 reviews, with no consumer alert
- Registered in Anjouan, Comoros - there is no US entity, and US IPs are blocked on cTrader
- FLASH, NOVA and both Instant plans use a TRAILING drawdown
- The 100% split is a paid add-on on FLASH, NOVA and 2-Step PRO v2
- From 5 February 2026, new 1-Step and 2-Step accounts no longer get the fee refund on first payout
- The terms include a clause asking traders not to post negative public reviews
- A stop-loss is mandatory on every trade unless you buy the add-on
- One of the longest-running prop firms (brand since 2018), built for swing/long-term traders; simulated forex/CFD on MT5 & Match-Trader
- Signature: balance-based drawdown (from closed balance, not floating equity) + no time limits — positions can breathe
- Scaling that doubles the account at each 10% milestone, advertised to $4M (via the funding ladder; evaluations cap ~$200K)
- Offers swap-free Islamic accounts; base split 90% up to 100% at top VIP tier; accepts US traders
- Note: now an offshore/unregulated structure (Comoros/Costa Rica/Dubai), not a UK-regulated broker
- Long, verifiable payout track record since 2018
- Balance-based drawdown and no time limits suit swing and position traders
- News trading and weekend holding allowed
- Swap-free Islamic accounts available
- Base split 90% up to 100%; accepts US traders
- Now an offshore, unregulated, simulated structure (Comoros/Costa Rica/Dubai), not UK-regulated
- Some traders report a monthly withdrawal cap at lower tiers
- Occasional account closures at payout citing high-risk exposure checks
- Dubai (DIFC) prop firm (Finotive Funding Technologies Ltd), operating since 2021; simulated forex/CFD on MT5 & Match-Trader
- Signature: a 10% “strike” soft-breach system — rule breaks cut your next payout to a 10% split rather than closing the account
- Cheap entry (from ~$25), sizes $2,500–$200,000, scaling advertised to $5.4M
- Three families: Challenge, Instant Funding, and Finotive Pro (1% monthly salary + 100% split after 30 days)
- Payouts on demand then ~weekly (Fridays); watch the discretionary “holistic assessment” behind payout reductions
- Cheap entry and broad instruments (FX, metals, indices, energy, crypto, stock CFDs)
- Forgiving static (non-trailing) drawdown
- Finotive Pro pays a 1% monthly salary, 100% split after 30 days, and refunds the fee
- Weekly Friday payouts, with fast reports from many traders
- Instant funding and 1-step options; scaling advertised to 5.4M
- The 10% strike reductions rest on a discretionary holistic assessment (top complaint)
- Instant funding pays a lower base split
- A hard breach closes the account with no refund
- CFD prop firm trading simulated capital across nine programmes, scaling to $4,000,000
- 90% base profit split — the highest base rate we have found at any firm
- The advertised 100% split is a checkout add-on, not a performance tier
- A 2% floating loss permanently closes the account — $2,000 on a $100,000 account, even on an open trade
- One-time fee; the fee refund arrives on your fourth payout
- 90% base profit split — the highest base rate we have found anywhere
- Nine programmes, including a 5 USD "Pay Later" route where you pay only on passing
- No time limits on any evaluation
- Minimum payout of just 100 USD
- 24-business-hour payout guarantee, or Aqua pays you 1,000 USD
- 2-Step Standard and 2-Step Elite use a STATIC drawdown
- Scaling to 4 million USD
- MatchTrader, TradeLocker, MT5 and cTrader all supported
- The −2% floating-loss rule: on Instant, AquaMan and Pay After Pass, an unrealised loss of −2% permanently closes the account (−1% on 300K and 400K accounts)
- "Wave Stop" on other funded accounts: a 2% floating loss auto-closes everything — the first trigger halves your split to 50%, the second breaches you
- The 100% split is a PAID checkout add-on, while the homepage headline reads "keep 100% of the Profit"
- The fee refund arrives only at your fourth payout, and is forfeited entirely if you breach before then
- Trustpilot carries an active fabricated-reviews alert; the score is 2.8/5 — while Aqua advertises "9.4/10 from 5k+ verified reviews"
- Seven of the nine programmes use a trailing drawdown
- UK-based prop firm (Lux Trading Firm, London + Dubai) pitched as a professional-trader career firm; funding to $10m on MatchTrader
- Signature rule: a strict Single Trade Profit Limit — one trade can realise at most 5% of the target (just $500 on a $100k)
- Flat 80% split; 6% static drawdown, no daily limit, no min/max trading days
- Evaluation is demo; funded stages claimed to be real (A-Book); audited track record + monthly salary marketed
- Watch: “regulated member of TPA” (a trade body, not a regulator) and “instant withdrawals” vs weeks-long payout reports
- Distinctive professional-trader career model with an audited track record and monthly salary
- 6% static drawdown, no daily limit, no minimum or maximum trading days
- Evaluation fee fully refunded after passing Stage 1
- Funding scales to an advertised $10,000,000
- Can copy trades from any platform or broker into your Lux account
- Regulated-member-of-TPA badge is a trade body, not a financial regulator
- Instant-withdrawal marketing contradicted by weeks-long payout reports
- 5% Single Trade Profit Limit rules out big one-shot wins (just $500 on a $100k)
- Well-established US prop firm (Prop Account, LLC; since 2021) with simulated one-step evals in forex, futures and equities
- Signature: a genuinely rare funded US-equities program — real S&P 100 stocks, 2:1 buying power, short-selling, overnight holds
- Split 75–80%, with 90% a paid add-on; mostly 6% static drawdown
- Payouts $100 min (forex from day one); claims “not a single refused payout since 2021”; ~4.8 Trustpilot
- Watch: “no consistency rule / no time limits” is forex-only; futures/equities have a 33% rule + 90-day eval
- Rare funded US-equities program on real S&P 100 stocks with 2:1 buying power
- Long-running since 2021 with a strong ~4.8 Trustpilot and a no-refused-payout claim
- Payouts from day one on forex, $100 minimum, mostly static drawdown
- Three programs (forex, futures, equities) to match your trading
- Scaling ladder toward $5m for consistent traders
- No-consistency-rule and no-time-limit headlines apply only to forex
- Futures and equities carry a 33% consistency rule; futures has a 90-day eval limit
- 90% split is a paid add-on over a 75 to 80 percent base
Read the ceiling as a marketing headline until you have found the ladder in the binding terms. We removed FunderPro from this category for exactly that reason: its own contract caps combined accounts at $200,000 under clause 4.10 while its marketing referred to $5,000,000. A number on a landing page is not a scaling plan.
The ranked list
Firms are ordered by JoinProp expert score. Where two firms score the same, the higher documented ceiling ranks first.
1. FTMO, 9.1, scales to $2,000,000. The best known firm in the sector. Split up to 90%, and the 2 Step maximum drawdown is genuinely static, a fixed floor rather than a trailing one. The 2 Step fee is refunded in full with your first payout, one of the only true refunds in the market. Watch the 1 Step instead: its fee is never refunded and it carries a Best Day rule that nothing warns you about.
2. FTUK, 9.0, scales to a claimed $6,400,000. The largest ceiling of any firm with a top tier score, and no stop loss requirement. Two cautions. Up to 80% on forex and up to 100% on futures for the first $15,000, but the split is stated three different ways across the firm’s own pages. And a trading day only counts toward your minimum if you made at least 0.5% profit that day, so losing and flat days are invisible.
3. The5ers, 9.0, scales to $4,000,000. The split scales to 100%, earned on performance and never sold as an add on, which is rare. Drawdown is static across every CFD programme. The two things that decide most accounts are the 3.5% commission taken from every cash withdrawal and the 0.5% profitable day rule.
4. Funding Pips, 8.4, scales to $2,000,000 on Prime. Standard allocation caps at $400,000 and only the Prime route reaches $2,000,000. The split is a payout frequency trade off rather than a reward: monthly pays 100%, on demand pays 90%. Maximum drawdown is static on all four standard models, the exception being FundingPips Zero which trails at 5%. Six programmes, fees from 29 to 888 USD. Weekend holding has been suspended on funded accounts since 29 January 2026.
5. Top One Trader, 8.1, scales to $5,000,000. The scaling plan is documented rather than advertised, which is why it sits this high on a scaling page. Split reaches 100%, earned on Instant Funding and Instant Prime, bought as an add on elsewhere. Static 9% drawdown on 2 Step PRO v2, trailing on FLASH, NOVA and both Instant plans. Costs to know: a 2% fee on every payout, a 5 minute minimum trade duration, and from 5 February 2026 new 1 Step and 2 Step accounts no longer get the fee refund on their first payout. Registered in Anjouan, Union of Comoros, and not available to US traders on MT5.
6. City Traders Imperium, 8.1, scales to $4,000,000. The ladder doubles your account at each 10% milestone, which is the clearest scaling mechanic on this page. Drawdown is balance based, calculated from closed balance rather than floating equity, and there are no time limits, so positions can breathe. Base split 90%, up to 100% at the top VIP tier. Trading as a brand since 2018 with one time fees from about $29.
7. Finotive Funding, 7.9, advertises scaling to $5,400,000. Account sizes run $2,500 to $200,000 before scaling. The signature mechanic is a strike system: breaking certain rules does not kill a funded account, it cuts your next payout split to 10% and then wipes the slate. Be aware that this same mechanic is the firm’s most common complaint, with traders reporting large payouts reduced to 10% under a subjective assessment. Dubai DIFC entity, operating since 2021.
8. AquaFunded, 7.7, scales to $4,000,000. A 90% base split, the highest base rate we have found at any firm, though the advertised 100% is a checkout add on rather than a performance tier. Nine programmes including a $5 pay later route where you only pay on passing. The fee refund waits until your fourth payout.
9. Lux Trading, 7.4, scales to an advertised $10,000,000. The biggest number on this page, attached to the most unusual model: an audited track record marketed as acceptable to banks and hedge funds, plus a monthly salary for funded traders. Flat 80% split, 6% static drawdown, no daily limit, no minimum or maximum trading days, and a fully refunded evaluation fee. The rule that decides most accounts is the Single Trade Profit Limit: any one position can realise at most 5% of the stage’s profit target, just $500 on a $100,000 evaluation, which effectively bans large one shot wins.
10. Ment Funding, 7.3, forex to $2,000,000 directly and a ladder toward $5,000,000. Ment is the only firm here that lets you reach seven figures without scaling into it, with forex sizes running $25,000 to $2,000,000 at purchase. It also runs a genuinely rare funded US equities programme on real S&P 100 names with 2 to 1 buying power, short selling and overnight holds. Split 75% on forex and futures, 80% on equities, with 90% a paid add on. Drawdown is mostly 6% static, locking at your starting balance after the first payout. Trading since 2021.
Comparison table
| Firm | Score | Scales to | Base split | Drawdown | The rule that decides most accounts |
|---|---|---|---|---|---|
| FTMO | 9.1 | $2,000,000 | Up to 90% | Static on 2 Step | 1 Step fee is never refunded and carries a Best Day rule |
| FTUK | 9.0 | $6,400,000 claimed | Up to 80% forex, up to 100% futures on first $15,000 | No stop loss requirement | A trading day only counts if you made 0.5% profit that day |
| The5ers | 9.0 | $4,000,000 | Scales to 100%, free | Static on every CFD programme | 3.5% commission on every withdrawal |
| Funding Pips | 8.4 | $2,000,000 on Prime, $400,000 standard | 100% monthly, 90% on demand | Static on four models, Zero trails at 5% | Weekend holding suspended on funded accounts since 29 Jan 2026 |
| Top One Trader | 8.1 | $5,000,000 | Reaches 100% | Static 9% on 2 Step PRO v2, others trail | 2% fee on every payout, 5 minute minimum trade |
| City Traders Imperium | 8.1 | $4,000,000 | 90%, up to 100% VIP | Balance based, no time limits | Account doubles at each 10% milestone |
| Finotive Funding | 7.9 | $5,400,000 advertised | Up to 80% | Static 7% max, 3.5% daily | Strike system can cut a payout split to 10% |
| AquaFunded | 7.7 | $4,000,000 | 90% base | Static on 2 Step Standard and Elite | Fee refund waits until the fourth payout |
| Lux Trading | 7.4 | $10,000,000 advertised | Flat 80% | 6% static, no daily limit | No single trade may realise more than 5% of the profit target |
| Ment Funding | 7.3 | $2,000,000 direct, ladder to $5,000,000 | 75% forex and futures, 80% equities | Mostly 6% static | Buy the size you want instead of scaling into it |
How this list was built
Every firm above was checked against the maximum allocation stated in its own JoinProp review, which is in turn checked against the firm’s terms, rules pages and checkout. Eight firms were removed from this category in August 2026 because their real ceiling did not support the claim: Fintokei at about EUR 400,000, Blue Guardian at $400,000, Alpha Capital at $400,000 per household, Goat Funded Trader at $400,000, AudaCity Capital at roughly $240,000, and Blueberry Funded, FundedTradingPlus and FunderPro at $200,000 each. Those firms may still be good firms, they are simply not scaling firms.
Scores are set by our editorial team across rules, payouts, transparency, platform, support, scaling and track record. No firm can buy its grade. See our prop firm ranking methodology for what each category measures, where the data comes from, and how to dispute a rating.