Backfilled and rules verified: September 22, 2026, 9:44 PM MDT Next review: October 21, 2026, or sooner if a cited payout split changes
Short answer: Apply the profit split to the approved gross payout—not the advertised account size and not automatically to every dollar of account profit. A $1,000 approved payout produces $1,000 at a 100% trader split, $900 at 90/10, and $800 at 80/20 before any separate payment charge or tax treatment.
Use these two formulas:
trader share = approved gross payout × trader percentage
gross payout needed for a target trader share = target trader share ÷ trader percentage
The arithmetic is simple. Choosing the correct percentage is the real work. A firm may publish different splits for simulated-funded and live stages, grandfather an older cohort, or apply the percentage only after payout eligibility, caps, buffers, and review determine the approved gross amount.
Quick calculator
| Approved gross payout | 100% to trader | 90% to trader | 80% to trader |
|---|---|---|---|
| $125 | $125.00 | $112.50 | $100.00 |
| $250 | $250.00 | $225.00 | $200.00 |
| $500 | $500.00 | $450.00 | $400.00 |
| $1,000 | $1,000.00 | $900.00 | $800.00 |
| $1,500 | $1,500.00 | $1,350.00 | $1,200.00 |
| $2,000 | $2,000.00 | $1,800.00 | $1,600.00 |
| $3,000 | $3,000.00 | $2,700.00 | $2,400.00 |
For a 90/10 split, the firm share is 10%. For an 80/20 split, the firm share is 20%. “100% payout split” means the trader receives the full approved payout under the cited program; it does not remove the account's eligibility rules, minimum request, cap, or review.
Reverse calculator: start with the cash target
If the goal is a specific trader-side amount, divide by the trader percentage and round up to the smallest amount the dashboard accepts.
| Target trader share | Gross needed at 100% | Gross needed at 90% | Gross needed at 80% |
|---|---|---|---|
| $250 | $250.00 | $277.78 | $312.50 |
| $500 | $500.00 | $555.56 | $625.00 |
| $1,000 | $1,000.00 | $1,111.12 | $1,250.00 |
| $1,500 | $1,500.00 | $1,666.67 | $1,875.00 |
| $2,000 | $2,000.00 | $2,222.23 | $2,500.00 |
The rounded figures are planning estimates. A dashboard may restrict request increments, and an approved amount can differ from the submitted amount after the firm's eligibility review.
Calculate the split only after the gross request
Use this order:
- Confirm the exact firm, product, account stage, and cohort.
- Calculate eligible profit after any buffer or safety net.
- Apply the firm's request formula, minimum, and cap.
- Confirm consistency and qualifying-day requirements.
- Treat the lowest surviving amount as the proposed gross request.
- After approval, multiply the approved gross amount by the trader percentage.
- Record any separate payment charge or withholding outside the profit-split line.
Do not multiply the simulated account label by the split. A “50K account” is not a $50,000 payout balance. Do not multiply the account's total profit before checking the buffer and request formula either. The payout-buffer worksheet owns that earlier calculation.
Current first-party examples
Apex Intraday Performance Account: 100% of the approved payout
Apex's current Intraday Trailing Drawdown payout policy states that approved payouts use a 100% split. A 50K Intraday Performance Account still needs five qualifying $200 days, 50% consistency, its $52,100 lifetime safety net, at least $52,600 to request the $500 minimum, and the applicable sequential cap. The account is limited to six approved payouts.
If Apex approves a $1,500 first request on that current 50K product, the profit-split calculation is:
$1,500 × 1.00 = $1,500 trader share
That example is specific to the current Intraday Performance Account. Apex's legacy payout page publishes a different lifetime structure, and its live program publishes a 90/10 split. “Apex pays 100%” is therefore incomplete unless the product and stage are named.
Topstep: 90/10 on the current XFA payout policy
Topstep's current payout policy publishes a 90/10 split for Express Funded Account Standard and Consistency paths. It also publishes a $125 minimum, a 50%-of-balance request formula, and path- and size-specific caps.
If the approved gross request is $2,000:
$2,000 × 0.90 = $1,800 trader share
$2,000 × 0.10 = $200 Topstep share
Topstep separately notes that traders who joined its new dashboard before January 12, 2026 receive 100% of their first $10,000 in lifetime profits. A current buyer should not apply that grandfathered exception unless the account dashboard confirms eligibility.
Take Profit Trader PRO: 80/20 after the buffer
Take Profit Trader's PRO withdrawal policy, updated September 16, 2026, says the trader keeps 80% of profits. The PRO account permits withdrawal access from day one only after the size-specific buffer is built. For a 50K PRO account, the published buffer zone is $52,000.
If $1,000 is approved above the buffer:
$1,000 × 0.80 = $800 trader share
$1,000 × 0.20 = $200 firm share
Take Profit Trader publishes separate treatment for profit inside the buffer when the PRO account is permanently closed. That exception should not be substituted for the normal above-buffer calculation.
Tradeify: 90/10 simulated funded, 80/20 Elite Live
Tradeify's current pricing reference shows why stage belongs in the worksheet. Growth, Select, and Lightning Sim Funded accounts use 90/10 from the first payout. Elite Live uses 80/20.
On a $1,000 approved payout:
- Sim Funded at 90% produces a $900 trader share.
- Elite Live at 80% produces an $800 trader share.
That $100 difference does not prove one stage is better. Live and simulated-funded accounts can differ in capital structure, payout caps, selection, and risk rules. Compare the whole stage, not only its percentage.
Five mistakes that make the calculator wrong
1. Starting with the account-size label
The split applies to an approved payout amount. A 50K label is a plan tier or simulated buying-power reference, not the gross withdrawal.
2. Ignoring the payout buffer or safety net
Profit can remain unavailable because it protects the account. Calculate eligible gross profit first, then apply the split.
3. Treating a cap as an approved payout
A $2,000 cap means “no more than $2,000.” It does not create $2,000 of eligible profit or guarantee approval.
4. Using one firm-wide percentage
Apex and Tradeify both publish stage or cohort differences. Record the exact product and stage beside the percentage.
5. Combining the split with payment charges or taxes
The profit split determines the trader-versus-firm allocation. Payment-method charges, currency conversion, and personal tax treatment are separate lines. This calculator does not estimate them.
A reusable worksheet
| Field | Entry |
|---|---|
| Firm and product | |
| Account stage | |
| Purchase/join cohort if relevant | |
| Eligible profit above buffer | |
| Request formula | |
| Minimum request | |
| Per-request cap | |
| Proposed gross request | |
| Approved gross payout | |
| Trader percentage | |
| Trader share | |
| Firm share | |
| Separate payment charge | |
| Estimated amount before personal tax treatment |
Use the approved gross payout if it is available. If you are planning before approval, label the result “estimated” and recalculate from the dashboard's final approved amount.
Bottom line
An 80/20, 90/10, or 100% headline answers only one step of the payout calculation. At a $1,000 approved gross payout, the trader share is $800, $900, or $1,000 respectively. But the approved gross amount must come first, after the product's buffer, request formula, minimum, cap, consistency, qualifying days, and review.
The safest comparison uses two worksheets in sequence: calculate the eligible gross request with the prop-firm payout-buffer worksheet, then use this page to calculate the trader share. For broader timing and eligibility rules, use the prop-firm payout guide and our fast-payout comparison.
First-party sources
- Apex — Intraday Trailing Drawdown Payouts — current 100% approved-payout split, qualifying days, 50% consistency, safety nets, minimums, caps, and six-payout lifetime; verified September 22, 2026 at 9:44 PM MDT.
- Apex — Intraday Trailing Drawdown Performance Accounts — simulated-funded stage and 100% approved-payout split; verified September 22, 2026.
- Apex — Legacy PA Payout Parameters — confirms that legacy accounts use a different payout structure; verified September 22, 2026.
- Apex — Live Prop Trading Program FAQ — confirms the current live-stage 90/10 split; verified September 22, 2026.
- Topstep — Payout Policy — current 90/10 split, $125 minimum, XFA paths, request formula, caps, and pre-January 12 cohort exception; verified September 22, 2026 at 9:44 PM MDT.
- Take Profit Trader — PRO Account Profit Split & Withdrawal Rules — current 80/20 split, buffer zones, and separate closed-account buffer treatment; page updated September 16 and verified September 22, 2026.
- Tradeify — Pricing Reference — current 90/10 Sim Funded and 80/20 Elite Live stage distinction; verified September 22, 2026.
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