Prop firm or your own money: run the numbers
Enter your capital and target return. The simulator compares what you would earn with your own money at a broker and with a 100K account funded by a prop firm.
Illustrative simulation: constant return, no compounding and no broker fees. Most traders do not pass their challenge on the first try.
The maths, explained
How is the prop firm gain calculated?
Account size ($100,000) × monthly return × the firm's profit split. The challenge cost (price × number of attempts) is deducted from the 12-month gain.
How is the own-money gain calculated?
Your capital × monthly return, over 12 months, without compounding so the comparison stays fair. Broker fees (spread, commission) are not deducted.
Why count several attempts?
Because most traders fail their first challenge. Counting 2 or 3 attempts gives a more honest picture of the real cost.
What is the real risk in each case?
With a prop firm you can only lose the challenge fees. With your own money, your capital is exposed: a losing streak can hit it hard.
CFDs and futures are leveraged products: most retail accounts lose money. Only trade money you can afford to lose.