FTMO Futures Review: Growth vs Pro Rules, Pricing and Payouts Explained

FTMO Futures runs a single, untimed Evaluation followed by a simulated Sim-Funded Account, with a small subset of traders eventually invited to a Live-Funded Account. The program splits into two products, Growth and Pro, which trade different daily risk limits against different withdrawal shares. This review breaks down the rules, pricing, payout mechanics and restrictions so you can decide which product, if any, fits your trading style.

What Is FTMO Futures and How the Program Works

FTMO Futures is structured as a one-phase Evaluation with no time limit and no fixed minimum trading-day requirement beyond satisfying the applicable consistency rule. That means there's no artificial clock forcing you to trade on a schedule that doesn't suit your strategy, though the consistency rule still shapes how you distribute your profit across trading days.

Once you pass the Evaluation, you move into a Sim-Funded Account. This stage carries no profit target and no consistency rule at all, and the reward split is 90% to the trader and 10% to FTMO. It's a materially different risk profile from the Evaluation phase: fewer constraints, but still simulated capital rather than live funds.

A small subset of Sim-Funded traders receives an invitation to a Live-Funded Account. FTMO describes a one-time buffer period before daily payout availability kicks in, after which there is no payout cap. Live-Funded trading also comes with a market data fee. Because invitations are selective and not something you can apply for directly, most traders will spend their time in the Evaluation and Sim-Funded stages, and the rules governing those two stages are where the real decision-making happens.

Growth vs Pro: Which FTMO Futures Product Fits You

FTMO Futures splits into two parallel products, Growth and Pro, and the difference isn't cosmetic. It changes how much daily risk you're allowed to take and how much of your profit you can eventually withdraw.

Growth uses a 40% Evaluation consistency rule, meaning your single best day cannot account for more than 40% of your total profit. Critically, Growth has no Evaluation Daily Loss Limit at all, and once you reach Sim-Funded, the Daily Loss Limit is soft rather than hard. Withdrawable profit on Growth is capped at 50% of accumulated profit, subject to the account's payout cap.

Pro raises the consistency bar to 50%, giving you more flexibility to concentrate profit into fewer big days. But Pro pairs that with a hard Daily Loss Limit that applies during both the Evaluation and Sim-Funded stages. A hard breach on Pro closes positions and fails the account outright, no fixable fallout the way a missed consistency ratio has. In exchange for that tighter daily discipline, Pro traders can withdraw 100% of accumulated profit, subject to the payout cap.

Both products share the same scaling contract limits and the same 90% reward split once you're Sim-Funded. The real choice is a trade-off: Growth gives you looser day-to-day risk control at the cost of half your profit staying locked in the account structure, while Pro gives you full withdrawal rights but demands you respect a hard daily stop that can end your account in a single bad session.

Account Sizes, Pricing and Trading Objectives

Pricing and objectives scale by account size and by product. Here's the full breakdown as listed by FTMO:

A few things worth flagging in this table. Pro's hard Daily Loss Limits run from $1,000 to $2,000 across the three sizes, meaningfully tighter in practice than Growth's soft limits, since a hard breach ends the account instead of just pausing trading. Pro's payout caps are also notably higher, running $5,000 to $8,000 versus Growth's $2,500 to $4,000, which is the flip side of Pro's full 100% withdrawable profit share.

On the fee side, the Evaluation fee is a recurring monthly subscription, not a one-time charge. It stops billing once you pass the Evaluation, and FTMO charges no activation fee for the Sim-Funded Account itself. If the Evaluation fails, FTMO lists a separate reset fee for each size and product and says Evaluation resets can be purchased without a stated quantity limit.

Payouts: Eligibility, Caps and Withdrawal Methods

Payout eligibility timing differs between the two products. Growth accounts qualify for a payout after 4 trading days, with a minimum profit requirement that scales by size ($150 on 50K, $250 on 100K, $300 on 150K). Pro accounts need 5 trading days and higher minimum profit thresholds ($200 on 50K, $300 on 100K, $500 on 150K).

The minimum Sim-Funded payout amount is $20, and payouts are issued in USD through Wise, Revolut bank wire, or Visa Direct or Mastercard Send where supported. Note that Mastercard Send is not available to traders in the United States, so US-based traders should plan around Wise, Revolut, or Visa Direct instead.

Payout caps set the ceiling on how much you can pull in a given payout cycle: $2,500 to $4,000 across the three Growth sizes, and $5,000 to $8,000 across the three Pro sizes. Combined with the withdrawable-profit share (50% for Growth, 100% for Pro), these caps are the two numbers that ultimately determine how much cash actually reaches your bank account versus how much stays compounding inside the Sim-Funded structure.

Platforms, Tradable Instruments and Commissions

FTMO Futures supports three trading platforms: NinjaTrader, Tradovate and TradingView. That's a narrower platform list than some retail futures brokers offer, but all three are established, widely used platforms with solid charting and order execution tools, so most futures traders will find one that fits their existing workflow.

The instrument list covers 30 futures contracts total: 19 mini or E-mini contracts and 11 micro contracts. These span equity index, energy, metals, currency, agriculture and interest-rate futures, giving traders reasonable diversification across asset classes without needing to juggle multiple funding programs. Commissions are $0.50 per side on mini contracts and $0.20 per side on micro contracts, a straightforward, size-scaled fee structure that rewards traders who use micros to manage risk more granularly.

Trading Rules, Consistency Requirements and Common Violations

The consistency rule is the defining mechanic of the Evaluation phase. Growth caps your single best day at 40% of total profit; Pro caps it at 50%. Importantly, missing this ratio does not breach the account outright. It's a soft target that can be corrected by continuing to trade and earning more total profit to bring the ratio back into line. That's a meaningfully different design from firms that treat consistency violations as instant fails.

Rule breaches generally fall into two categories. A soft breach locks trading for the rest of that day, giving you a cooling-off period without ending the account. A hard breach, by contrast, closes your positions and fails the account immediately, no do-over available within that attempt.

FTMO also maintains a list of forbidden trading practices that apply across both products: market manipulation, using the drawdown limit as your sole trade exit strategy, hedging positions across multiple accounts, third-party trade copying, prohibited automation (including high-frequency or latency-exploiting strategies), trading within 2% of a CME price limit, and holding positions beyond the required daily close. On the timing front, all positions and resting orders must close before 4:10 PM Eastern Time, or before an instrument's earlier applicable close, and nothing can be held over the weekend.

Given how central the hard Daily Loss Limit is to Pro, and how much the consistency rule shapes both products, it's worth building real risk-management discipline before paying for another Evaluation attempt. Chart Academy's free masterclasses cover risk management and trading psychology alongside futures-specific strategy content, which is directly useful groundwork for traders who've failed a Daily Loss Limit or blown a consistency ratio and want to tighten up before trying again.

Eligibility, Account Limits and Restrictions

FTMO Futures is not open to everyone in the United States. Residents of Arkansas, Delaware, Louisiana, Montana and South Carolina are excluded from participation. Beyond geography, participation is limited to natural persons, and US-based participants need a valid taxpayer identification number and an eligible bank account to receive payouts.

On account limits, traders may run an unlimited number of Evaluations, but no more than 3 Sim-Funded Accounts at any one time. Evaluation resets can be purchased without a stated quantity limit if you fail, giving you as many attempts as you're willing to pay for. Sim-Funded Accounts, however, cannot be reset. If you breach a Sim-Funded Account's rules, that account is done.

Live-Funded Account access remains invitation-only. There's no application path; FTMO selects eligible traders from the Sim-Funded pool, and even then availability is subject to country restrictions on top of the standard eligibility rules.

Pros, Cons and Who FTMO Futures Suits

Pros: the Evaluation carries no time pressure, the Sim-Funded reward split is a strong 90% to the trader, Live-Funded Accounts carry no payout cap once past the initial buffer, and the combination of three platforms and 30 instruments gives real flexibility in how and what you trade.

Cons: the Evaluation fee is a recurring monthly subscription rather than a one-time cost, Pro's hard Daily Loss Limit can end an account in a single session with no soft-breach cushion, Sim-Funded Accounts cannot be reset once breached, and traders in five specific US states are excluded entirely.

Growth suits traders who want more breathing room on daily risk and are comfortable accepting only half of accumulated profit as withdrawable in exchange for that flexibility. Pro suits traders who want full profit withdrawal rights but who have the discipline (and risk sizing) to operate comfortably under a hard daily stop that doesn't forgive a bad session.

Verdict

FTMO Futures offers a genuinely flexible Evaluation structure, no time limit, a fixable consistency rule, and a strong 90% reward split once funded, wrapped around two clearly differentiated products. Growth is the more forgiving daily-risk option at half the withdrawable profit; Pro trades that safety net for full withdrawal rights and a hard limit that punishes a single undisciplined day. Whichever product you pick, the recurring subscription fee and the inability to reset a breached Sim-Funded Account mean the real cost of failure is higher than a one-time entry fee, so getting your risk management right before you start matters more here than at firms with softer failure conditions.

Frequently asked questions

What's the core difference between FTMO Futures Growth and Pro?

Growth uses a 40% consistency rule, has no Evaluation Daily Loss Limit, a soft Daily Loss Limit in Sim-Funded, and allows 50% of accumulated profit to be withdrawn. Pro uses a 50% consistency rule, a hard Daily Loss Limit in both Evaluation and Sim-Funded, and allows 100% of accumulated profit to be withdrawn, both subject to the account's payout cap.

Does missing the consistency rule fail my FTMO Futures Evaluation?

No. Missing the consistency ratio (40% for Growth, 50% for Pro) does not breach the account. It can be corrected by continuing to trade and earning more total profit to bring the day's share back within the allowed ratio.

Can I reset a Sim-Funded Account if I breach its rules?

No. Sim-Funded Accounts cannot be reset once breached. Evaluation attempts can be reset for a fee with no stated limit on how many times, but that option does not extend to the Sim-Funded stage.

How do I get a Live-Funded Account with FTMO Futures?

You cannot apply directly. FTMO selects and invites a small subset of eligible Sim-Funded traders to Live-Funded Accounts, and availability is also subject to country restrictions.

What platforms and instruments can I trade with FTMO Futures?

FTMO Futures supports NinjaTrader, Tradovate and TradingView. The instrument list covers 30 futures contracts (19 mini or E-mini and 11 micro contracts) across equity index, energy, metals, currency, agriculture and interest-rate futures, with commissions of $0.50 per side on minis and $0.20 per side on micros.

Is the FTMO Futures Evaluation fee a one-time payment?

No, it's a recurring monthly subscription. Billing stops once you pass the Evaluation, and there is no separate activation fee to start the Sim-Funded Account.

Data as of 2026-09-01.

Risk disclaimer: Trading carries a substantial risk of loss and is not suitable for everyone. Prop-firm evaluations charge fees and most traders do not pass. Nothing here is financial advice; figures can change, so verify current terms with the firm before purchasing.

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