Funded Elite Rules Explained (2026): Daily Loss, Drawdown, News & Payouts

Overview: the Funded Elite programs

Funded Elite sells evaluations, instant accounts and a pay-after-pass option. The evaluations are the 1-Step + Free Retry (12% target), 2-Step + Free Retry (8% then 5%), LITE 1-Step (12%), LITE 2-Step (10% then 5%) and the low-cost Elite Atom 1-Step (8%) and 2-Step (8% then 5%). Flash Activation costs $5 to start, asks 6%, and charges an activation fee only after you pass ($329 on $50,000 at default settings). Instant and Instant Elite start funded, and Catalyst starts funded at $25,000 or $50,000 and doubles the account after each approved payout, up to $1,000,000.

Many targets, max losses and splits can be changed at checkout, so the numbers here are the defaults. Atom is the only line with a printed price list: $114 for the 50K 2-Step and $145 for the 50K 1-Step before discount codes. Other prices are shown only at checkout.

The default split is 80% on evaluations and Flash Activation. Instant pays 70% on the first payout and 80% after. Any account running on a free retry pays a fixed 50%.

Rules that end the account

The daily and max loss limits count open trades. Touching either floor closes the account unless a free retry applies.

Daily loss

3% on 1-Step, LITE 1-Step, Atom 2-Step, Flash, Instant and Catalyst; 4% on LITE 2-Step and Atom 1-Step; 5% on 2-Step. On evaluations, Catalyst and Atom the floor is set once at the 5pm New York reset (4pm CT) from the higher of the previous closing balance or equity. On Instant accounts it trails the day's highest equity, so a run-up raises the floor intraday.

Max loss

Static on the 1-Step (8%), 2-Step (8%), LITE 1-Step (6%), LITE 2-Step (8%), Atom 2-Step (10%) and the Flash evaluation (6%). Trailing on highest equity, never moving down and with no published lock, on Instant (6%), Flash funded (6%), Atom 1-Step (6%) and Catalyst (6% on 25K, 5% from 50K).

Per-instrument risk

Funded only: total risk on one instrument in a trading day may not exceed half the daily limit, both directions counted. That is 1.5% on 3% accounts and 2.5% on the 2-Step.

Minimum hold

Trades must stay open 3 minutes. Profit from shorter winners must stay under a scalp limit ($400 on 50K, $500 on 100K). On funded accounts each short trade is a soft breach.

Prohibited

Grid, martingale, high-frequency trading, hedging across accounts or firms, latency arbitrage and account sharing.

Payout rules

First payout: 21 days on the evaluations, Atom and Instant; 14 days on Flash Activation and Catalyst. Later payouts every 14 days (21 on LITE 1-Step and Instant), with 3, 7, 14 or 21-day intervals at checkout.
Profitable days since the last payout: 3 days of at least 1% on 1-Step and both LITE plans, 3 of 0.5% on 2-Step and Flash, 4 of 0.5% on Instant, 5 per stage on Catalyst and 5 of 0.5% on funded Atom 1-Step.
Consistency: 25% on Instant, 30% on Flash funded and Catalyst, 50% on Atom and 60% on $300K evaluations. A large best day is not a breach; you need total profit of at least best day divided by the percentage.
Atom payout cap: each payout is capped at 3% of the starting balance, with the rest carried forward. There is no minimum payout on any program.

News and weekend

News trading is allowed on every program, including high-impact releases, except on funded Atom accounts, where it is not allowed. Around news, high-frequency trading, hedging between accounts and setups meant to profit risk-free from volatility are banned.

Holding from Friday to Monday is allowed. Opening or closing a trade on Saturday or Sunday, including a stop or target fill, is a violation without the Weekend Trading add-on. On a funded account it resets the account and forfeits that cycle's profit. Catalyst does not allow weekend trading.

Worked example: $100,000 2-Step

Phase 1 asks $8,000 and Phase 2 $5,000. The max loss floor is $92,000 throughout. The daily limit is $5,000: if yesterday closed with $101,850 balance and $102,750 equity, today's floor is $97,750. You need 3 days closed at least $500 up in each phase.

Once funded, risk on one instrument per day is capped at $2,500, so a $1,000 EURUSD trade and a later $1,500 one use the whole cap. The first payout comes after 21 days with 3 profitable days, at 80% by default.

How Proof tracks it

Pick the Funded Elite preset for your program. Proof sets the 4pm CT reset, the higher-of-balance-or-equity daily base (or the intraday trail on Instant), the static or equity trail, the funded per-instrument cap, the 3-minute hold and the consistency target. The drawdown calculator and payout date calculator work the same numbers by hand.

In Proof

Proof tracks every Funded Elite rule for you

The Funded Elite presets carry the 4pm CT reset, the daily base for each program, static and trailing floors, the funded per-instrument cap, the scalp limit and the consistency target.

See how Proof does it

Frequently asked questions

What is the Funded Elite daily loss?

3%, 4% or 5% depending on the program. Evaluations measure it from the higher of the previous day's closing balance or equity; Instant accounts trail the day's highest equity. It resets at 5pm New York time.

Is the Funded Elite max loss trailing?

Static on the 1-Step, 2-Step, LITE and Atom 2-Step evaluations. Trailing on equity on Instant, funded Flash Activation, Atom 1-Step and Catalyst.

Can I trade news on Funded Elite?

Yes on every program except funded Atom accounts. Banned around news: high-frequency trading, cross-account hedging and risk-free volatility setups.

Can I hold trades over the weekend?

You can hold from Friday to Monday. Trading or a fill on Saturday or Sunday needs the Weekend Trading add-on. Catalyst does not allow weekend trading.

When is the first Funded Elite payout?

After 21 days on most programs and 14 days on Flash Activation and Catalyst, once you have the required profitable days.

Sources checked October 2026: Funded Elite FAQ: Which program is right for me? · Funded Elite FAQ: Daily loss limit · Funded Elite FAQ: Max loss limit · Funded Elite FAQ: Consistency rule · Funded Elite FAQ: When can I request a payout? · Funded Elite FAQ: Weekend · Funded Elite FAQ: News · Funded Elite FAQ: Per-instrument risk · Funded Elite FAQ: Elite Atom · Funded Elite FAQ: Instant and Instant Elite