Data verified via automated extraction[2026-08-18]
Est. 2022
PropMason Score
4.5C Tier
Core metrics
Profit Split
80–95%
Max Leverage
1:100
Max Drawdown
4–10%
Payout Freq
varies (weekly to every 5 days)
PropMason Score
Based on 53 scored plans across 8 programs
4.5Overall score
Drawdown-friendly
5.8Moderate
High capital
5.7Moderate
CFD programs
5.3Estimate
Not applicable: Beginner-friendly, Faster payout terms, Instant funding, Futures programs
Scores summarize current firm plans. Some values vary by plan, and estimated values should be checked on the firm site before you commit.
Data freshnessLast DB update: 8/18/2026, 12:11:59 AM. Latest crawler rule change: 8/17/2026, 8:18:21 AM.
Frequently Asked Questions
Is Instant Funding a legitimate prop firm?
Instant Funding is a proprietary trading firm that provides funded accounts to traders who pass its evaluation challenge. PropMason tracks rule changes and community feedback to support due diligence. Always verify terms before funding an account.
What is Instant Funding's profit split?
Instant Funding offers up to 95% profit split to funded traders. Check the firm's current pricing page for the latest terms, as these figures can change.
How does Instant Funding's drawdown rule work?
Instant Funding uses a static drawdown - a fixed loss limit from the initial balance. Your account may be closed if losses exceed 10% of the applicable balance. Verify the current rule before relying on it.
How much does Instant Funding's evaluation cost?
Instant Funding's evaluation challenge starts from $19. The evaluation fee is typically non-refundable. Prices vary by account size.
When can I withdraw profits from Instant Funding?
At Instant Funding, the first payout is available after 14 days, payouts are processed Weekly. Verify the latest payout terms directly with the firm because conditions may change.
What trading platforms does Instant Funding support?
Instant Funding supports MetaTrader 5, cTrader, Match-Trader for trading. MetaTrader 5 is widely used by prop-firm traders and supports common execution tools Verify the current platform list on the firm's website.
How does PropMason track Instant Funding's rule changes?
PropMason monitors Instant Funding's website and terms for changes to profit splits, drawdown limits, payout rules, and challenge pricing. Detected changes are logged so traders can review what changed and when.
Answers are auto-generated from verified data. Always confirm current terms directly with Instant Funding.
Challenge Tiers
65 tiers
Account
Price
Target
EOD DD
Daily Loss
Split
Leverage
$200K
$939
—
4%
2%
90%
1:100
$100K
$484
—
4%
2%
90%
1:100
$50K
$289
—
4%
2%
90%
1:100
$20K
$152
—
4%
2%
—
1:100
$20K
$119
—
4%
2%
90%
1:100
$10K
$63
—
4%
2%
90%
1:100
$5K
$38
—
4%
2%
90%
1:100
$2K
$25
—
4%
2%
90%
1:100
$2K
$19
—
4%
2%
—
1:100
$200K
$939
Split90%
Leverage1:100
$100K
$484
Split90%
Leverage1:100
$50K
$289
Split90%
Leverage1:100
$20K
$152
Leverage1:100
$20K
$119
Split90%
Leverage1:100
$10K
$63
Split90%
Leverage1:100
$5K
$38
Split90%
Leverage1:100
$2K
$25
Split90%
Leverage1:100
$2K
$19
Leverage1:100
Pricing data sourced from instant-funding's official website. Always verify current prices before purchase.
✓ Allowed·! Conditional·✗ Banned·— Not documented·Not documented = the firm doesn't state this rule in the pages we collected, which is not the same as banning it.
Permission Notes
HFT BANNED — trades < 60 seconds considered HFT. EA allowed.
Refund Policy
**Instant Funding accounts:**
- Your first withdrawal is available 14 days after your initial trade. After that, you can withdraw every 7 days following your next trade.
**IF1:**
- You can request one payout after the 24-hour account period ends
**Instant Funding Micro, One-Phase Micro, One-Phase and Two-Phase simulated funded accounts:** You can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates.
**Two-Phase Max simulated funded accounts:** You can withdraw your profits whenever you like — the profit split improves over time. The payout timer starts from your first executed trade, and each payout resets the timer:
- 5–13 calendar days: 60% profit split
- 14–27 calendar days: 80% profit split
- 28 calendar days or later: 95% profit split
**On demand payout requirement**
- **For One-Phase and Two-Phase (Funded):** Your best trading day must not account for more than 40% of your total profit.
- **For IF Micro, IF1 and One-Phase Micro:** Your best trading day must not account for more than 15% of your total profit.
**Minimum profit**
**IF Micro and IF1::**
- Your total net profit must reach at least 3% of your starting balance.
**For all other programs:**
- Your total net profit for a payout must reach at least 3% of your starting balance or $25, whichever is larger.
**Scaling**
- https://instantfunding.com/help/scaling/, https://instantfunding.com/help/90-profit-split-rules-smart-accounts-instant-funding/
Consistency rules may limit your profit-taking ability. Consider whether this aligns with your trading style before choosing this firm.
What is a Consistency Rule? Some prop firms limit how much profit you can make in a single day relative to your total profits. This can reduce excessive risk and encourages consistent, disciplined trading over time.
Additional Details
Financial
CurrencyUSD
Max Funding$3,840,000
Payout ScheduleOn demand
Payout Policy
Instant Funding accounts:
- Your first withdrawal is available 14 days after your initial trade. After that, you can withdraw every 7 days following your next trade.
IF1:
- You can request one payout after the 24-hour account period ends
**Instant Funding Micro, One-Phase Micro, One-Phase and Two-Phase simulated funded accounts:** You can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates.
**Two-Phase Max simulated funded accounts:** You can withdraw your profits whenever you like — the profit split improves over time. The payout timer starts from your first executed trade, and each payout resets the timer:
- 5–13 calendar days: 60% profit split
- 14–27 calendar days: 80% profit split
- 28 calendar days or later: 95% profit split
On demand payout requirement
- **For One-Phase and Two-Phase (Funded):** Your best trading day must not account for more than 40% of your total profit.
- **For IF Micro, IF1 and One-Phase Micro:** Your best trading day must not account for more than 15% of your total profit.
Minimum profit
IF Micro and IF1::
- Your total net profit must reach at least 3% of your starting balance.
For all other programs:
- Your total net profit for a payout must reach at least 3% of your starting balance or $25, whichever is larger.
Instant Funding changed registration fee on a challenge tier from $1,798 to $1,379
Observed change
Instant Funding changed registration fee on a challenge tier from $899 to $649
Observed change
Instant Funding changed registration fee on a challenge tier from $449 to $369
Observed change
Instant Funding changed registration fee on a challenge tier from $299 to $179
Observed change
Instant Funding changed registration fee on a challenge tier from $199 to $84
Observed change
Instant Funding changed registration fee on a challenge tier from $129 to $44
Observed change
Instant Funding changed max account size firm-wide from 120000 to 200000
Observed change
Instant Funding changed registration fee on a challenge tier from $1,048 to $1,078
Observed change
Instant Funding changed daily drawdown on a challenge tier from 5% to 4%
Observed change
Instant Funding changed registration fee on a challenge tier from $568 to $539
Zero-Bias Transparency Protocol
PropMason is an independent data library analyzing structural risks in proprietary trading. We do not provide financial advice. All data is sourced from publicly available terms and conditions. Verify all information at source.
