The sticker price is rarely the real price. This tool models every fee on the path to your first payout — eval, resets, rebuys, activation, monthly PA fees, data — across the major futures and CFD prop firms, with current April 2026 rules.
Start by selecting the firm you’re considering from the pill strip at the top, then pick your account size. The calculator pre-loads each firm’s actual fee structure — monthly vs one-time eval, activation charges, PA fees, data costs, and whether the challenge fee is refunded on your first payout. Every number comes from the firm’s own pricing page as of April 2026, so you’re comparing apples to apples.
Next, dial in your scenario. The “attempts before passing” slider is the most important input: industry pass rates sit around 7–14% on the first try, which means most traders need 2–4 attempts before funding. For firms with both a reset and a full rebuy option, the rebuy-vs-reset slider lets you model how you’d actually behave after a blown account — always resetting (cheaper per attempt) versus always rebuying (sometimes cheaper during a promo). Toggle the promo discount to see how a typical sale changes the all-in number.
The right-hand panel shows the headline result: your true all-in cost to first payout, broken down into each fee category with proportional bars. The “cost vs attempts” chart sweeps 1–8 attempts so you can see how quickly costs compound. For firms like FTMO that refund the challenge fee, a dashed green line shows the net cost after that refund hits your first payout.
Use the final number as the real price tag when evaluating any prop firm. Plug it into the Expected Value Calculator to see if the math pencils out, or into the Break-Even Calculator to find out how many months of funded trading you’ll need to recoup your investment. The sticker price on a firm’s landing page is a marketing number — true cost is the number that matters.
The true cost figure above is the input the rest of the suite is calibrated against. Plug it into: