FTMO Futures Rules Explained: Growth vs Pro, Loss Limits, Consistency and Payouts

FTMO Futures runs traders through a simulated one-phase Evaluation into a simulated Sim-Funded Account, with the two available products, Growth and Pro, differing mainly in consistency thresholds, daily loss limits and how much profit can be withdrawn. This guide breaks down exactly how each rule works, what the account sizes cost, and what happens if you breach a limit.

How the FTMO Futures Path Works

FTMO Futures moves traders through a two-stage simulated structure. First comes a one-phase Evaluation, which is simulated. Passing it moves you to a simulated Sim-Funded Account. From there, a small subset of traders may receive an invitation to a Live-Funded Account, but this invitation is not something you can apply for directly. FTMO selects and invites eligible traders based on performance, and availability is subject to country restrictions.

The Evaluation itself has no time limit. There's also no fixed minimum number of trading days you must hit, beyond satisfying whichever consistency rule applies to your chosen product. That means you can take as long as you need to hit your profit target, provided your trading stays within the loss limits and consistency threshold.

Once you reach the Sim-Funded Account, the pressure changes shape. There's no profit target to chase and no consistency rule to satisfy. The reward split here is 90% to the trader and 10% to FTMO. This is the stage where the account starts to resemble ongoing simulated funded trading rather than a qualification test.

Growth vs Pro: The Core Rule Differences

Growth and Pro share the same Evaluation profit targets and contract scaling limits, but they diverge on four points that materially change how you need to trade.

Growth uses a 40% Evaluation consistency rule and carries no Evaluation Daily Loss Limit at all. Its only daily loss control in Sim-Funded is a soft Daily Loss Limit. Pro, by contrast, uses a 50% consistency rule but pairs it with a hard Daily Loss Limit that applies during both the Evaluation and the Sim-Funded stage.

The withdrawal terms differ too. Growth allows 50% of accumulated profit to be withdrawn, subject to the account's payout cap. Pro allows 100% of accumulated profit withdrawable, subject to its own (higher) payout cap. Both products otherwise use identical scaling contract limits and the same 90% reward split once funded.

In practical terms: Growth removes the Evaluation Daily Loss Limit but applies the stricter 40% consistency ceiling and caps how much Sim-Funded profit can be withdrawn. Pro adds a hard daily loss control but uses the looser 50% consistency ceiling and allows full profit withdrawability.

Evaluation Targets, Loss Limits and Contract Caps by Account Size

Both products share identical Evaluation profit targets at each account size: $3,000 on the 50K, $6,000 on the 100K, and $9,000 on the 150K. Where they split is on the Maximum Loss Limit and the Daily Loss Limit.

Growth's end-of-day trailing Maximum Loss Limits are $2,000 (50K), $3,500 (100K) and $5,000 (150K), with contract caps of up to 5, 10 or 15 respectively during Evaluation. Once you reach Sim-Funded, Growth adds a soft Daily Loss Limit of $1,000, $2,000 or $3,000 depending on size.

Pro's Maximum Loss Limits are higher across the board: $3,000 (50K), $4,500 (100K) and $6,000 (150K). Pro also layers on a hard Daily Loss Limit from the start of the Evaluation: $1,000 (50K), $1,500 (100K) and $2,000 (150K). Unlike Growth's soft version, Pro's Daily Loss Limit is hard in both Evaluation and Sim-Funded.

Fees scale with account size and product. On the 50K, Growth costs $119 monthly with a $109 reset fee, while Pro costs $139 monthly with a $129 reset fee. The gap widens at larger sizes: Growth 100K is $169 monthly ($159 reset) versus Pro 100K at $199 monthly ($189 reset), and Growth 150K is $229 monthly ($219 reset) versus Pro 150K at $269 monthly ($259 reset).

How the Consistency Rule Actually Works

The consistency rule is arguably the most misunderstood part of the FTMO Futures ruleset, so it's worth spelling out exactly what it checks. During the Evaluation, the rule looks at your single best profitable day and compares it to your total accumulated profit. On Growth, that best day cannot represent more than 40% of your total profit. On Pro, the ceiling is 50%.

A single outsized winning day can leave an account above its product's consistency ceiling even after the profit target is reached. The account is not breached in that situation; the trader can continue earning profit on other days until the best day's share falls within the allowed ratio.

This matters because it structurally discourages the "one big swing trade carried the whole month" pattern. A trader who nails one outsized move and then coasts will get flagged on the ratio even if they technically hit the profit target. The rule is pushing for repeatable, evenly distributed performance across many trading days rather than a single lucky session.

That's a discipline that's genuinely hard to build under live pressure, and it's worth practicing before you're paying a monthly Evaluation fee to learn it the hard way. Chart Academy's free masterclasses cover risk management and trade sizing habits from professional traders, which is exactly the kind of steady, position-sized approach the consistency rule is built to reward, and it costs nothing to work through before you commit to an Evaluation.

Contract Scaling From Evaluation to Sim-Funded

Contract limits scale identically across Growth and Pro at each account size, which means the position sizing discipline you build in Evaluation transfers directly into Sim-Funded rather than resetting.

The 50K accounts scale from 2 to 5 contracts. The 100K accounts scale from 4 to 10 contracts. The 150K accounts scale from 6 to 15 contracts. Notice that the Evaluation contract cap matches the top end of each account's scaling range: a 50K Evaluation caps you at 5 contracts, which is exactly where the scaling range tops out. In other words, whatever maximum size you were trading in Evaluation is the size you're still working with once funded, there's no discontinuity between stages.

Payout Eligibility and How Withdrawals Work

Payout timing and minimums differ meaningfully between the two products. Growth accounts become eligible for payout after 4 days, with a minimum profit requirement ranging from $150 on the 50K up to $300 on the 150K. Payouts on Growth are capped between $2,500 and $4,000 depending on account size.

Pro accounts need 5 days before payout eligibility, with a minimum profit requirement ranging from $200 on the 50K up to $500 on the 150K. Pro's payout cap runs higher, between $5,000 and $8,000 depending on size, consistent with its 100% withdrawable structure.

Once you're eligible, the minimum Sim-Funded payout itself is $20. Payouts are made in USD via Wise, Revolut bank wire, or Visa Direct or Mastercard Send where supported, though Mastercard Send is not available to traders in the United States.

On the cost side, the Evaluation fee is a recurring monthly subscription, not a one-time charge. It keeps billing until you pass, at which point it stops. There's no separate activation fee to open the Sim-Funded Account once you clear the Evaluation.

Daily Close Requirements and Forbidden Practices

Every position and every resting order needs to be closed before 4:10 PM Eastern Time, or before an instrument's own earlier market close if that applies sooner. Weekend holding isn't permitted under any circumstance.

FTMO's forbidden practices list rules out a handful of specific tactics: using the drawdown limit itself as your only trade exit strategy, hedging positions across multiple accounts, copying trades from third parties, and trading within 2% of a CME price limit. Prohibited automation, including high-frequency trading or latency exploitation, is also disallowed, as is any conduct that couldn't reasonably be replicated in a live market.

Trading happens on NinjaTrader, Tradovate or TradingView, across 30 supported instruments, split between 19 mini or E-mini contracts and 11 micro contracts, spanning equity index, energy, metals, currency, agricultural and interest-rate futures.

What Happens on a Breach, and Account Limits

Breach consequences scale with severity. A consistency miss is the mildest: it doesn't fail the account, and you correct it by continuing to trade profitably until the ratio rebalances. A soft breach, such as hitting Growth's soft Sim-Funded Daily Loss Limit, locks you out of trading for the remainder of that day but doesn't end the account. A hard breach, like exceeding the Maximum Loss Limit or Pro's hard Daily Loss Limit, closes all open positions and fails the account outright.

If your Evaluation fails, you can purchase a reset, and there's no stated limit on how many times you can do this. Sim-Funded Accounts work differently: once breached, they cannot be reset at all. That asymmetry is worth internalizing before you scale up size in a funded account, since there's no second chance the way there is during Evaluation.

On account limits, you can run an unlimited number of Evaluations simultaneously, but no more than 3 Sim-Funded Accounts at once. U.S. participants need a valid taxpayer identification number and an eligible bank account, and residents of Arkansas, Delaware, Louisiana, Montana and South Carolina are excluded from participating entirely.

Where to Go From Here

If you're deciding between Growth and Pro, the decision really comes down to two questions: do you want no Evaluation Daily Loss Limit while accepting Growth's stricter 40% consistency ceiling and half-withdrawable Sim-Funded profit, or do you want Pro's hard Daily Loss Limit and looser 50% consistency ceiling in exchange for full profit withdrawability. Either way, read the exact loss limits and consistency math for your target account size directly from FTMO's trading objectives page before funding an Evaluation, and build your position-sizing discipline before the monthly subscription clock starts running.

Frequently asked questions

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

Growth uses a 40% Evaluation consistency rule with no Evaluation Daily Loss Limit and only a soft Daily Loss Limit in Sim-Funded, allowing 50% of accumulated profit withdrawable. Pro uses a 50% consistency rule with a hard Daily Loss Limit in both Evaluation and Sim-Funded, but allows 100% of accumulated profit withdrawable.

How does the FTMO Futures consistency rule actually work?

During the Evaluation, your single best profitable day cannot exceed a set percentage of your total profit (40% on Growth, 50% on Pro). Failing this ratio does not breach the account; it can be corrected by earning more total profit to rebalance the ratio.

When can I withdraw a payout from a Sim-Funded Account?

Growth accounts qualify after 4 days with a minimum profit between $150 and $300 depending on account size, capped between $2,500 and $4,000. Pro accounts qualify after 5 days with a minimum profit between $200 and $500, capped between $5,000 and $8,000. The minimum payout itself is $20, paid in USD via Wise, Revolut bank wire, or Visa Direct or Mastercard Send where supported.

Can I reset a Sim-Funded Account if I breach a rule?

No. Evaluation resets can be purchased with no stated limit on how many times, but Sim-Funded Accounts cannot be reset once breached; a hard breach closes positions and fails that account.

How many FTMO Futures accounts can I hold at once?

You can run an unlimited number of Evaluations simultaneously, but no more than 3 Sim-Funded Accounts at the same time.

What time do I need to close my futures positions?

All positions and resting orders must be closed before 4:10 PM Eastern Time, or before an instrument's own earlier applicable market close, and positions cannot be held over the weekend.

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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