The split
At Funded Futures Family, the profit split is a standard 90% for the trader in all Simulated Funded accounts. If a trader transitions to the Professional Stage (using real capital), the split adjusts to 80%. Phoenix Trader Funding offers 90% on its Classic and Spark plans. However, its "Daily" plan pays 80%, and the "Merit" plan starts at 50% until the trader has withdrawn twice the initial balance, at which point it increases to 80%.
How often you can withdraw
Phoenix Trader Funding provides more immediate access to cash depending on the plan:
- Classic: Weekly (every 5 trading days).
- Spark: Bi-weekly.
- Daily/Merit: Daily (up to 10 requests per day for Merit).
Funded Futures Family uses a variable schedule based on the account type:
- Prime/Velocity: Every 3 trading days.
- Premier/Elite: Every 5 trading days.
- Classic/S2F: Every 7 trading days.
- Velocity Add-On: Daily payouts are possible with a specific paid add-on.
Minimums and methods
Funded Futures Family has a higher entry barrier for withdrawals, requiring a minimum of $250 for most plans and $500 for the Base Plan. They pay via Bank Transfer, Crypto, and Rise.
Phoenix Trader Funding is much more flexible for small-scale withdrawals. The minimum is $75 for Classic/Daily, $30 for Spark, and as low as $1 for Merit Live accounts. They use Payoneer, Wise, and PayPal. Notably, Phoenix does not offer crypto payouts, whereas FFF does.
What delays a payout
The path to a payout is often lengthened by consistency rules and qualifying day requirements:
- Qualifying Days: FFF requires 3 to 7 "qualifying days" per payout cycle, where the trader must realize at least $200 in profit. PTF requires 5 profitable days for Classic/Spark with specific profit minimums ($40 to $300), but its Daily and Merit plans have no such requirement.
- Consistency Rules: FFF applies a 40% to 50% daily consistency rule (no single day can exceed that percentage of total profit). PTF applies a 50% rule during evaluations but removes it for Classic/Daily funded accounts. Spark funded accounts, however, have a 30% consistency rule.
- Risk Restrictions: FFF prohibits trading within 2% of the CME price limit. PTF has a strict no-overnight rule across all phases; failing to close positions before the session ends results in a denied payout and account closure.
What it takes to get there
To reach the first dollar, you must first clear the evaluation cost, which functions as your initial investment:
- Investment: FFF relies mostly on monthly subscriptions (e.g., $144/mo for a 25K Premier EOD) until you pass. PTF offers more one-time payment options (Spark, Daily, Merit), though the Classic plan is a monthly subscription ($89/mo for 25K).
- Platforms: FFF supports Tradovate, NinjaTrader, TradingView, and WealthCharts. PTF offers a massive array of 20+ platforms including Quantower, ATAS, and Sierra Chart, utilizing their proprietary TFeed or dxFeed.
- Trading Style: FFF allows overnight holding (but positions must be closed by 4:15 PM EST and reopened at 6:00 PM). PTF is strictly intraday. Both allow news trading, but FFF prohibits "micro-scalping" (trades must generally last longer than 20 seconds).
Which pays out more comfortably
Phoenix Trader Funding is the more comfortable choice for traders who want to see money in their pockets quickly and frequently. Their $1 minimum on Merit accounts and daily payout options on the "Daily" plan remove the psychological pressure of long waiting periods.
Funded Futures Family is better suited for high-volume or "swing-intraday" traders who don't mind waiting a week for a payout in exchange for a higher 90% split and the ability to eventually trade real professional capital without the strict intraday closure rules of Phoenix.
Frequently asked questions
Which firm is cheaper to start a 25K evaluation, Funded Futures Family or Phoenix Trader Funding?
Phoenix Trader Funding is generally cheaper for a 25K account, offering its Classic plan at an $89 monthly subscription or its Spark 25K plan for a $74 one-time fee. Funded Futures Family charges between $89 (2-Day Pass) and $144 (1-Day Pass) monthly for a 25K Premier account, or $329 for a Straight-To-Funded option.
Which firm allows daily payouts without extra fees, Funded Futures Family or Phoenix Trader Funding?
Phoenix Trader Funding allows daily payouts on its "Daily" and "Merit" plans as a standard feature. Funded Futures Family requires the purchase of a specific "Daily Payout Add-On" for its Velocity plan; otherwise, traders must wait between 3 and 7 trading days depending on their plan.
Can I hold positions overnight in both Funded Futures Family and Phoenix Trader Funding?
No. Phoenix Trader Funding has a strict rule requiring all positions to be closed before the end of the trading session in every stage, including Live. Funded Futures Family allows overnight trading, although positions must still be closed briefly daily between 4:15 PM EST and 6:00 PM EST, and no weekend holding is permitted.
Which firm has stricter consistency rules for withdrawals, Funded Futures Family or Phoenix Trader Funding?
Funded Futures Family has stricter ongoing consistency rules, applying a 40-50% daily limit to almost all payout cycles. Phoenix Trader Funding only applies consistency rules (50%) during the evaluation for most plans, though its Spark funded account has a 30% rule. Phoenix's Daily and Merit plans have no consistency rule for payouts.



















