Capital Allocation Calculator

$20,000 can buy
1 shot, or 400.

Same money. Same edge. Very different number of chances.
Move the sliders. See what changes.

Your money

How much can you put at risk? Money you won't need for bills.

$1K$50K

Your trading

Risk per trade Most pros risk 0.5–1% per trade.

0.25%5%

Win rate Be honest. 45% is a solid trader.

20%70%

Trades per week Quality first. Don't inflate this.

trades

120

Here's the difference

Path A

Trade with own money

One live retail account.

Buying power $10,000

Risk per trade $100
Losing streak survivable 100 losses

Or, with the same money, prop firms give

33× more shots

at the same edge, and 16.5× the buying power.

Path B · Recommended

Prop firm challenges

33 challenges × $50,000 funded

Total funded buying power $165,000 16.5× the capital

Risk per trade (capped at $1K) $500
Total shots at the edge 33

Chance you get a payout

~ 97%

Payout calculator

Up to $600,000 in total payouts

200 funded accounts × 30% survive post-funding = 60 profitable accounts × up to $10,000 each

Assumes 70% of funded accounts fail before hitting the payout ceiling. Adjust the sliders in Prop firm settings.

Prop firm settings (optional, sensible defaults set)

Funded account size per challenge

Average challenge fee Entry-level $50K challenges can start around $50.

Challenge pass rate Industry average is 7-15%. MMT students trained on the plan often do better, default reflects a trained-trader baseline.

Profit split from the funded account

Post-funding survival rate Of the funded accounts, how many stay profitable long enough to hit payout. Industry sees most funded traders blow up quickly.

5%90%

Max payout per account Typical ceiling before an account is closed. Varies by firm, $5K-$25K is common.

$2.5K$50K

The bottom line

With the same $10,000, Path B gives you 33 more shots at your edge and 16.5× the buying power. Same edge, more chances, faster feedback. That's what actually gets you to a payout.

Learn how MMT teaches this →

Educational purposes only

This calculator is provided by Make Money Trading for educational and informational purposes only. It is not financial, investment, taxation, or trading advice, and nothing on this page should be relied upon as a recommendation to trade, buy, sell, or hold any financial product.

All outputs are hypothetical estimates based on the inputs you provide, using expected-value math (trades × ((win% × R) − (1 − win%)) × risk $). Path B applies the profit split after the challenge is passed. Real trading results vary widely, past performance does not guarantee future outcomes, and trading leveraged products (including funded prop-firm accounts) carries a substantial risk of loss.

You should seek independent, licensed financial advice before making any trading or investment decision. Make Money Trading does not guarantee any profit, payout, pass rate, or outcome.