FundedNext: Rules, Pricing & Payout Terms (Verified)

Last verified: August 26, 2026. against official FundedNext sources (fundednext.com, help.fundednext.com, helpfutures.fundednext.com). CFD pricing below is the discounted rate rendered on the FundedNext USA site on that date; a US IP geo-redirects to /usa, and global prices can differ by roughly $20 on some tiers.

FundedNext is a proprietary-trading firm that sells evaluation and instant-funding accounts across two product lines: four CFD models under the “Stellar” brand — Stellar 1-Step, Stellar 2-Step, Stellar Lite, and Stellar Instant — plus a separate futures line (Rapid, Flex, Bolt, and Legacy). What sets it apart from most competitors is the breadth of that menu and a heavily monetised set of paid add-ons layered on top of the sticker price. Note that the older Express and Evaluation models were discontinued for new clients on March 18, 2025.

Update (6 August 2026): FundedNext’s summer anniversary discount ended — CFD (Stellar) 2-Step prices returned to standard with code NEW25 (25% off; e.g. 50K now ~$270), and the Futures Flex code rotated to AUGFLEX (47%). Rule structure is unchanged. Prices in the table below reflect the now-ended July promo and are being refreshed — confirm the live price at checkout.

The CFD models at a glance

Pricing (USD, discounted rate as rendered on the USA site, July 14, 2026):

Notes: the FundedNext help center cites $549 for a 100K 2-Step, which is likely a global-vs-USA difference from the $529.99 above. Stellar Instant carries an active NEW25 code, its fee is not refundable, and swap-free adds +10%.

What the numbers actually mean: two worked examples

The 15% reward, in dollars. The reward is calculated as 15% of the challenge phase profit target, not of what you actually earn. On a $100K Stellar 1-Step, the target is 10% = $10,000, so the reward is 15% × $10,000 = $1,500. Apply the same formula to a $50K 1-Step (10% target = $5,000) and it is $750. You get this whether you finish the challenge $200 or $2,000 in profit — it is fixed to the target, not your result. Lite accounts and US clients get nothing here.

The true cost with add-ons. The sticker price is only the floor. Take a $100K Stellar 1-Step at $549.99. Add “No Minimum Trading Days” (+25% of the fee = ~$137.50) and “Swap-Free” (+10% = ~$55.00) and you are near $742 before you have traded a single lot — and that is before the “Lifetime Reward 95%” split upgrade, which is a further paid add-on. Competitors that bundle these into a flat price can look more expensive on the sticker and end up cheaper in practice. (Exact stacking rules and combined pricing are set at checkout; the percentages here are the published add-on rates.)

How the drawdown works

The three evaluation models use a static maximum loss measured from the initial balance — it does not trail your equity. That is trader-friendly: profits you bank do not tighten your floor. The limits are 6% (1-Step), 10% (2-Step), and 8% (Lite, with a 10% version available as a paid add-on). Daily loss limits are 3%, 5%, and 4% respectively; the 1-Step’s daily limit is explicitly measured against the initial balance.

Stellar Instant is different. It has no daily loss limit and no profit target, but its 6% maximum loss trails. In FundedNext’s own words, it “starts from your initial balance and moves up only when you make profits, never exceeding your starting balance. Losses do not change the Maximum Loss Limit — it only grows with profit.” The futures line (Rapid, Flex, Bolt, Legacy) uses end-of-day trailing drawdown across all models.

Funded phase, payouts, and Scale-Up

Base splits are 80% on Stellar 1-Step, 2-Step, and Lite, rising to 90% through Scale-Up or up to 95% via the paid “Lifetime Reward 95%” add-on. Stellar Instant pays 70% on tiers 1–2 and 80% from tier 3, with no further increases.

Payout cadence varies by model: 1-Step allows a first withdrawal after 5 business days, then every 5 business days; 2-Step and Lite allow a first withdrawal 21 days after you start trading, then every 14 days; Instant is on-demand/bi-weekly and requires at least 1% account growth in the current cycle. Withdrawal minimums are a $20 general floor ($20 USDT, $50 USDC-ERC20, $50 RiseWorks), paid via USDT/USDC, Confirmo, RiseWorks (fee up to 3.5%), or FNmarkets deposit. FundedNext advertises “99.99% within 24 hours” and a homepage promise of “24h or get $1,000 extra.”

Scale-Up adds +40% to the account balance at each qualifying 4-month review, up to a maximum of $4M (with a $300,000 maximum merger allocation on CFD). For accounts purchased or reset on/after January 12, 2026, the criteria are: 10% accumulated disbursed growth over 4 consecutive months, at least 2 Performance Rewards in that window, and the final cycle ending in profit.

Futures line, briefly

Futures accounts trade on NinjaTrader, Tradovate, or TradingView. Current pricing: Rapid $79.99/$149.99/$249.99 (codes rotate monthly — verify at checkout), Flex $69.99/$129.99/$249.99, Bolt $79.99, Legacy $79.99/$199.99/$239.99.

Who FundedNext suits, and who should look elsewhere

Good fit: traders who value model choice and fast, frequent payouts; anyone who prefers a static (non-trailing) drawdown on evaluation accounts; and those comfortable pricing out the add-ons they actually need rather than paying for a bundle. The 5-business-day payout cycle on 1-Step is unusually quick.

Look elsewhere if: you are a US-based trader who wants MT4/MT5 or the 15% reward — you are limited to Match-Trader and excluded from that reward. If you want the “headline” 95% split, no-minimum-days, or swap-free trading, budget for them as extras. And if you plan to buy a 100K or 200K account on cTrader or Match-Trader, note those sizes are not purchasable on those platforms — the sole exception is US traders on Match-Trader. FundedNext also restricts a number of countries (including Bangladesh, Vietnam, Sri Lanka, Malaysia, Belarus, Myanmar, and others), so confirm eligibility first. Account leverage is currently unconfirmed here, as FundedNext publishes its leverage tables only as images.

Deep dive: the 15% reward and the January 12, 2026 rules change

The 15% challenge reward is one of FundedNext’s most-marketed features, and it has the most fine print. Three things to internalise:

• It is 15% of the target, not your profit. On a $100K 1-Step that is a fixed $1,500 (15% of the $10,000 target), regardless of your actual challenge P&L.
• Eligibility is narrow. Only Stellar 1-Step and 2-Step qualify — Lite is excluded — and US-based clients are excluded entirely (“The 15% reward from Challenge is not available for U.S.-based clients”).
• Purchase date changes when you can withdraw it. For accounts purchased or reset on/after January 12, 2026, the reward is only withdrawable after you meet the Scale-Up criteria. For earlier accounts, it unlocks after 10% cumulative growth.

The add-on economy. Beyond the split upgrade, FundedNext runs a large paid add-on catalogue — published examples include Double Up, 150% Reward, Lifetime Reward 95%, an EA add-on, No Minimum Trading Days (+25% fee), Max Loss 10% (Lite), Bi-Weekly Reward (Lite), and Swap-Free (+10%), with more beyond that list. The practical takeaway: read the checkout screen carefully, because the features that make FundedNext look most competitive are frequently the ones that cost extra.

Is FundedNext legit? What we verified — and what we didn’t

FundedNext is a real, operating prop firm, and the terms it advertises matched its own official documentation when we last checked (14 August 2026). But “is FundedNext legit” usually bundles two different questions: does the firm operate as advertised, and does it actually pay? The first is verifiable from primary sources, and we verify it on a fixed cadence. The second cannot be promised by any comparison site — including this one. Here is exactly where that line sits.

What we verified ourselves

• Its current futures promotion (code AUGFLEX, 47% off) and its CFD 2-Step prices matched its own sources on 14 August 2026.
• The much-advertised “15% challenge reward” is documented as 15% of the profit target rather than of your profit — and FundedNext’s own wording excludes US-based clients from it.
• Its US route is documented: US clients are served on Match-Trader only.
• Its rules changed materially in January 2026, which we tracked at the time.

What we have not verified

The gaps matter as much as the figures, so we list them:

• We have not personally taken a payout from FundedNext.
• The exact CFD promo code string (NEW25) could not be confirmed in FundedNext’s static pages — the 25% discount is confirmed, but the code appears to be injected client-side, so verify it at checkout.
• Its help center and its US landing page disagree about which products are available to US traders on which platform; we flag the conflict rather than pick a side.

How to check FundedNext’s reputation yourself

Our data tells you what FundedNext promises. Trader reports tell you how those promises land in practice — so read both, and read the reports properly:

• Sort by recent, not by rating. Prop-firm terms change fast; a glowing review of a rule set that no longer exists tells you nothing about today.
• Read specific complaints, not the star average. A report naming an account size, a date and a payout amount carries far more information than a one-line rating — in either direction.
• Weight payout-delay reports heaviest. Delays and denials at withdrawal time are the failure mode that actually costs traders money.
• Discount both extremes. Prop firms run incentives for positive reviews, and affiliates of competing firms amplify negative ones. The specific, boring, mid-range reports are usually the honest ones.
• Useful places to look: Trustpilot for volume, and trading communities on Reddit and Discord for detail. We deliberately do not aggregate those into a score of our own — that would just be a number we cannot verify.

Quick answers

Is FundedNext allowed in the USA?

Yes — FundedNext is allowed in the USA, but with two documented catches. US-based clients are served on the Match-Trader platform only, and FundedNext’s own wording excludes US-based clients from the 15% challenge reward it advertises. One more caveat worth knowing before you pay: its help center and its US landing page disagree about which products are available to US traders on which platform. We flag that conflict rather than resolve it — confirm at checkout for the specific product you want.

Does FundedNext run trading competitions?

FundedNext has run periodic and monthly trading competitions alongside its normal challenge products. We do not publish competition rules or prize terms here: they rotate frequently, and this site only carries figures verified against official documentation on a fixed cadence. Check FundedNext’s own competitions page for current terms, and read them separately from the challenge rules — competition conditions are usually different from the funded-account rules you are evaluating.

Is FundedNext legit?

FundedNext is a real, operating prop firm: FundedNext’s pricing and promotions matched its own sources on 14 August 2026. The point we would flag is marketing precision rather than legitimacy: its headline 15% reward is a percentage of the profit target, not of your profit, and it excludes US clients. We have not tested a payout ourselves, and our profile states plainly which figures we could not verify.

Does FundedNext really pay?

FundedNext publishes its payout terms, and we re-verified its pricing and current promotions on 14 August 2026. Read the 15% “challenge reward” carefully: it is 15% of the profit target, not of your profit, and US-based clients are excluded from it entirely. We have not tested a withdrawal ourselves.

Is FundedNext available to traders in the USA?

Yes, with two documented catches: US clients are served on Match-Trader only, and FundedNext’s own wording excludes US-based clients from the 15% challenge reward it advertises heavily. Its help center and its US page also conflict on product availability, which we flag rather than resolve.

Does FundedNext accept US traders?

Yes. FundedNext runs a dedicated US site, but US traders can only use the Match-Trader platform because the MetaQuotes (MT4/MT5) servers are unavailable to US clients. US clients are also excluded from the 15% challenge reward. The 100K and 200K sizes, normally unavailable on Match-Trader, are purchasable by US traders on Match-Trader.

What does FundedNext’s 15% challenge reward actually pay?

It pays 15% of the challenge profit target, not your actual profit. On a $100K Stellar 1-Step (10% target = $10,000), that is $1,500. Only Stellar 1-Step and 2-Step qualify; Lite and US clients are excluded. For accounts purchased or reset on/after January 12, 2026, it is withdrawable only after meeting Scale-Up criteria.

What is FundedNext’s profit split?

80% base on Stellar 1-Step, 2-Step, and Lite, rising to 90% through Scale-Up or up to 95% via the paid “Lifetime Reward 95%” add-on. Stellar Instant pays 70% on tiers 1–2 and 80% from tier 3, with no further increases.

How does the drawdown work?

The three evaluation models use a static maximum loss from the initial balance: 6% (1-Step), 10% (2-Step), and 8% (Lite, with a 10% paid add-on). Stellar Instant uses a 6% trailing maximum that only moves up with profit and never exceeds your starting balance. The futures line uses end-of-day trailing drawdown.

How does Scale-Up work?

Scale-Up adds +40% to your balance at each qualifying 4-month review, up to $4M. For accounts from January 12, 2026 onward, the criteria are 10% accumulated disbursed growth over 4 consecutive months, at least 2 Performance Rewards in that window, and the last cycle ending in profit.