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, FundedNext is the cheaper route to funded: Stellar Lite costs $439 on average, failed attempts included, against $446 for The5%ers' High Stakes New, about $7 less. Change the trader and the answer can flip, which is why the calculator exists.
| The5%ers | FundedNext | |
|---|---|---|
| Cheapest route to funded | High Stakes New | Stellar Lite |
| Fee | $405 | $399.99 |
| Pass chance | 91% | 91% |
| Trading days (median pass) | 19 | 15 |
| Avg. to funded | $446 | $439 |
| Target | 10% → 5% | 8% → 4% |
| Daily loss | 4% | 4% |
| Max loss | 8% static | 8% static |
| Min. days | 3 profitable days per phase | 2 per phase |
| Trustpilot | 4.7 | 4.5 |
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. How the simulation works.
| Type | The5%ers | FundedNext | Cheaper |
|---|---|---|---|
| 2-step | High Stakes New$446 · 91% pass | Stellar Lite$439 · 91% pass | FundedNext |
| Plan | 0.5% risk | 1% risk | 2% risk |
|---|---|---|---|
| High Stakes NewThe5%ers | 99% | 91% | 67% |
| Stellar LiteFundedNext | 99% | 91% | 72% |
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 |
|---|---|---|---|---|---|---|
| Stellar LiteFundedNext · 2-step | 8% → 4% | 4% | 8% static | $399.99 | 91% | $439 |
| 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 |
| Stellar 2-StepFundedNext · 2-step | 8% → 5% | 5% | 10% static | $549.99 | 96% | $575 |
| Stellar 1-StepFundedNext · 1-step | 10% | 3% | 6% static | $569.99 | 89% | $637 |
The lowest $100K fee is $405 at The5%ers and $399.99 at FundedNext. Counting failed attempts, FundedNext is cheaper to get funded for a trader with 45% win rate, 1:2 R:R, 1% risk per trade, 2 trades a day: $439 against $446.
For the same trader, the highest pass chance at The5%ers is High Stakes New (91%) and at FundedNext Stellar 2-Step (96%). A higher pass chance often costs a higher fee, so check the cost to get funded too.
The roomiest $100K plan at The5%ers is High Stakes New (8% static, daily 4%); at FundedNext it is Stellar 2-Step (10% static, daily 5%). A static maximum loss gives more room than a trailing one of the same size.
The5%ers scores 4.7 and FundedNext 4.5 on Trustpilot (checked 4 November 2026).