Both firms' $100K challenges, with rules checked on their own sites, put through the same 20,000 simulated attempts.
Independent. Rules checked on each firm's own site. Ranking is never paid for.
For a trader with 45% win rate, 1:2 R:R, 1% risk per trade, 2 trades a day on a $100K account, The5%ers is the cheaper route to funded: High Stakes New costs $446 on average, failed attempts included, against $600 for FTMO's 1-Step Challenge, about $154 less. Change the trader and the answer can flip, which is why the calculator exists.
| FTMO | The5%ers | |
|---|---|---|
| Cheapest route to funded | 1-Step Challenge | High Stakes New |
| Fee | €499 (≈$557) | $405 |
| Pass chance | 93% | 91% |
| Trading days (median pass) | 11 | 19 |
| Avg. to funded | $600 | $446 |
| Target | 10% | 10% → 5% |
| Daily loss | 3% | 4% |
| Max loss | 10% trailing (end of day) | 8% static |
| Min. days | none | 3 profitable days per phase |
| Trustpilot | 4.8 | 4.7 |
Reference trader: 45% win rate, 1:2 R:R, 1% risk per trade, 2 trades a day, no extra trading costs, 20,000 simulated attempts per plan, $100K accounts unless shown otherwise. Avg. to funded is the fee divided by the pass chance: what you spend on average, failed attempts included, before you hold a funded account. FTMO prices are in euros, converted at 1.116 to rank them. How the simulation works.
| Type | FTMO | The5%ers | Cheaper |
|---|---|---|---|
| 2-step | 2-Step Challenge$631 · 96% pass | High Stakes New$446 · 91% pass | The5%ers |
| Plan | 0.5% risk | 1% risk | 2% risk |
|---|---|---|---|
| 1-Step ChallengeFTMO | 99%+ | 93% | 23% |
| High Stakes NewThe5%ers | 99% | 91% | 67% |
The reference trader is not you. Run both firms against your own win rate, R:R and risk. The calculator ranks every plan for your numbers.
Run your own numbers| Plan | Target | Daily | Max loss | Fee | Pass chance | Avg. to funded |
|---|---|---|---|---|---|---|
| High Stakes NewThe5%ers · 2-step | 10% → 5% | 4% | 8% static | $405 | 91% | $446 |
| High Stakes ClassicThe5%ers · 2-step | 8% → 5% | 4% | 8% static | $455 | 91% | $501 |
| 1-Step ChallengeFTMO · 1-step | 10% | 3% | 10% trailing (end of day) | €499 (≈$557) | 93% | $600 |
| 2-Step ChallengeFTMO · 2-step | 10% → 5% | 5% | 10% static | €540 (≈$603) | 96% | $631 |
The lowest $100K fee is €499 (≈$557) at FTMO and $405 at The5%ers. Counting failed attempts, The5%ers is cheaper to get funded for a trader with 45% win rate, 1:2 R:R, 1% risk per trade, 2 trades a day: $446 against $600.
For the same trader, the highest pass chance at FTMO is 2-Step Challenge (96%) and at The5%ers High Stakes New (91%). A higher pass chance often costs a higher fee, so check the cost to get funded too.
The roomiest $100K plan at FTMO is 2-Step Challenge (10% static, daily 5%); at The5%ers it is High Stakes New (8% static, daily 4%). A static maximum loss gives more room than a trailing one of the same size.
FTMO scores 4.8 and The5%ers 4.7 on Trustpilot (checked 4 November 2026).