
trading-education | 14-10-25
A $100,000 prop firm account is one of the most popular evaluation sizes available today. Large enough to provide meaningful capital while still affordable for most traders, it strikes a balance between opportunity and discipline. For many, it’s the account size that feels “big enough to matter” without being overwhelming. Prop firms know this, which is why nearly all major firms offer a 100K account option.
Before looking at what makes these accounts valuable, let’s first identify the top firms that provide them.
Top 7 Prop Firms Offering 100K Accounts
Apex Trader Funding’s 100K Account
Apex is widely recognized in the Futures trading space, and its 100K account is designed with both flexibility and affordability in mind. Unlike many competitors, Apex does not impose a daily drawdown, giving traders more breathing room to manage positions. Instead, it uses a trailing drawdown system, which requires careful risk control but rewards consistency over time. Another standout feature is the high profit split—traders keep 100% of their first $25,000 in profits and 90% thereafter, making the account highly attractive from a payout perspective. Apex also allows multiple accounts per trader, enabling disciplined traders to scale their total capital allocation into much larger sums.
FTMO’s 100K Account
FTMO is one of the most established names in the prop trading world. Its 100K account is best known for clear rules and strong trader support. The evaluation requires traders to hit a profit target while respecting a strict daily loss limit. With payouts ranging from 80% to 90%, FTMO’s 100K account appeals to traders who want credibility and a proven track record in the industry.
FundedNext’s 100K Account
FundedNext has gained attention for its flexible funding options and scaling opportunities. The 100K account is offered with both evaluation and instant funding choices, giving traders control over how they want to grow. Profit splits can reach up to 90%, and its scaling program rewards consistency by gradually increasing account size as milestones are achieved.
Funded Trading Plus’s 100K Account
Funded Trading Plus keeps things simple with a transparent rule set. Its 100K account comes with no minimum trading day requirement, making it ideal for traders who perform well in fewer sessions. The firm also provides instant funding paths, allowing traders to skip lengthy evaluations. For those seeking flexibility and high payouts, this account type is a practical option.
Goat Funded Trader’s 100K Account
Goat Funded Trader appeals to traders who want speed and efficiency. Its 100K account is offered at a lower cost compared to many competitors, and the firm emphasizes quick evaluation processes and faster payouts. Traders who prefer rapid evaluations and multiple account setups may find Goat’s 100K account particularly useful.
City Traders Imperium’s 100K Account
City Traders Imperium (CTI) takes a long-term approach. Its 100K account focuses on scaling programs that reward traders for consistency rather than quick wins. Instead of short-term evaluations, CTI emphasizes disciplined growth, gradually increasing profit splits and account allocations as traders demonstrate professional-level consistency. This makes it a good fit for traders who value structure and patience.
The 5%ers’ 100K Account
The 5%ers is known for its risk-conscious model and capital growth programs. Its 100K account is designed for traders who want a steady path to scaling without aggressive pressure. By offering different account types—such as aggressive growth or low-risk programs—the firm caters to a wide range of strategies. Traders who prioritize risk management and gradual scaling often find The 5%ers’ 100K account a strong choice.
Features to Look for in a 100K Prop Firm Account
Not all 100K accounts are equal. Each prop firm sets its own rules and trading conditions, which can make a big difference in the trader’s experience. When evaluating options, consider:
- Profit Targets: How much do you need to make to pass the evaluation?
- Drawdown Rules: Are they static, trailing, or based on end-of-day balance?
- Daily Loss Limits: How much flexibility do you have within a single trading day
- Minimum Trading Days: Do you need to trade for a set number of sessions?
- Payout Policies: What profit split is offered once you’re funded?
Why the 100K Account Matters
The 100K account size is often viewed as the “sweet spot” in prop trading. It provides enough capital to trade multiple contracts and pursue meaningful profits, but without the steep evaluation fees of larger accounts. For traders transitioning from demo or smaller accounts, it strikes a balance between accessibility and opportunity.
Key reasons traders choose the 100K option:
- Affordable entry point compared to 150K or 250K accounts.
- Room to scale into multiple positions without over-leveraging.
- Balanced risk-to-reward profile, with realistic drawdowns and profit targets.
- Standardized size across many firms, making comparisons easier.

Educational Benefits of a 100K Account
Beyond its structure, the 100K account acts as a training ground for professional habits. It challenges traders to apply strategies under rules that mirror real capital management. The focus is less on the number itself and more on the behaviors it instills.
Educational takeaways include:
- Risk discipline — learning to control exposure within fixed limits.
- Consistency building — proving steady performance instead of chasing big wins.
- Adaptability — adjusting strategies to different firm rules and evaluation models.
- Professional mindset — treating trading as a business rather than a gamble.
How to Choose the Best 100K Prop Firm Account?
Selecting the right firm isn’t just about fees or payout percentages—it’s about alignment with your trading style. A scalper might prefer firms with tighter spreads and fast execution, while others may prioritize looser daily limits or end-of-day drawdowns that provide more flexibility.
Steps to narrow your choice:
- Compare rules side by side (profit targets, drawdowns, daily limits).
- Assess platform availability—do they support your preferred software?
- Review payout structures and withdrawal policies.
- Consider whether scaling opportunities exist beyond the 100K account.
- Match the rules with your personal risk tolerance and strategy.
Final Thoughts
The best 100K prop firm accounts aren’t defined solely by payouts or evaluation fees. They’re shaped by the alignment between a firm’s rules and your trading style. Whether you prefer the Futures focus of Apex, the credibility of FTMO, or the scaling paths of CTI and The 5%ers, the 100K account is a proven step toward professional growth.
Ready to take the next step in your trading journey? Start today with Apex Trader Funding. Choose your path with the 25K Rithmic account or the 25K WealthCharts account and put your skills into action.
FAQs
Earnings on a 100K funded account vary based on the firm’s profit split and your trading performance. For example, many prop firms set profit splits between 80% and 90%, meaning if you generate $5,000 in profits, you could keep $4,000–$4,500. Consistency and risk management matter more than aiming for one large payout, as staying within rules ensures you keep the account and your profits.
The 3-5-7 rule is a risk management guideline used by some traders to set clear limits on losses. It suggests risking no more than 3% of your capital on a single trade, no more than 5% in a trading day, and no more than 7% across a week. The idea is to prevent small losses from spiraling into major setbacks and to enforce discipline over time.
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