Start with what matters most to you

Compare how the accounts work against the way you trade. We do not publish pass-rate comparisons and cannot rank the accounts by your chance of passing or receiving a reward. Start with these seven factors. They compare mechanics only and do not predict your chance of passing.

If this matters most	Then
No evaluation at all	Instant is the only account without one. At the same size it costs more, its overall limit trails, and each payout cycle needs 5 qualifying days. Like every account, each payout also needs at least 3% net profit in the cycle.
The least money paid up front	Flash costs $0.99 to start at every size. The rest of the price for your size is due only if you pass, within 14 days of the pass e-mail, and Flash is a single attempt with no reset.
No daily loss limit while you are evaluated	Only the Flash evaluation has none. Its 5% overall limit still applies from the first trade, and a funded Flash has a 3% daily limit.
The widest loss limits	2-Step allows 5% in a single day and 10% overall. In return it has two profit targets and two sets of minimum days.
One phase, with a limit that does not move	1-Step has one 10% target and a static 6% overall limit. Flash also has one phase, with a 2% target and no minimum trading days in the evaluation.
Room to grow	Only 2-Step and 1-Step have the scaling plan.
A starting size below $10K, or several accounts at once	Only 2-Step and 1-Step start at $5K. The multi-account discount applies to 2-Step and 1-Step only.

The reward share is not a deciding factor: every account pays 80%, or 100% with the profit split upgrade. The add-ons are not either: the profit split upgrade, Payout On Demand and swap-free are offered on every account, and on Flash they are bought only with the payment due on passing and apply once the account is funded. No deadline to pass is not one either: 2-Step, 1-Step and Flash all have no time limit to reach the target. See Is there a time limit to pass an EverFunded evaluation?. All four accounts are simulated.

Compare the four accounts

The four accounts side by side

The evaluation and its limits first, then price, rewards and options.

	2-Step	1-Step	Flash	Instant
Evaluation	Two phases	One phase	One phase	None: funded from day one
Profit target	8%, then 5%	10%	2%	None (payout gate instead)
Max daily loss	5%	3%	None in the evaluation; 3% once funded	3%
Max overall loss	10%	6%	5%	6%
Overall limit type	Static; set again after each completed payout	Static; set again after each completed payout	Static in evaluation; trailing once funded, locking at the starting balance	Trailing, locking at the starting balance
Minimum trading days in the evaluation	3 per phase	3	None	Not applicable
Time limit to pass	None	None	None	No evaluation
Forex leverage	1:100 in evaluation, 1:50 funded	1:30	1:30	1:30
Account sizes	$5K to $200K	$5K to $200K	$10K to $200K	$10K to $100K
Price for $100K	$450	$439	$468.21: $0.99 to start, the rest only if you pass	$1,009

	2-Step	1-Step	Flash	Instant
Reward share	80%	80%	80%	80%
Reward share with the profit split upgrade	100%	100%	100%, bought only with the payment due on passing	100%
Scaling plan	Yes	Yes	No	No
Qualifying days in each payout cycle	3	3	7	5
Net profit each payout cycle needs	3%	3%	3%	3%
Wait before each payout request	14 days, or none with Payout On Demand	14 days, or none with Payout On Demand	14 days, or none with Payout On Demand bought with the payment due on passing	14 days, or none with Payout On Demand
Funded consistency check	None	None	Best day at most 20% of the cycle's eligible profit	None
Weekend and holiday holding once funded	Allowed	Positions closed at the Friday close, and 30 minutes before a holiday close; 24/7 crypto stays open	Positions closed at the Friday close, and 30 minutes before a holiday close; 24/7 crypto stays open	Positions closed at the Friday close, and 30 minutes before a holiday close; 24/7 crypto stays open
Payout On Demand and swap-free	Available	Available	Only with the payment due on passing, for the funded account	Available
Multi-account discount	Yes	Yes	No	No
Discount codes	Price already includes the 20%	Price already includes the 20%	None	None, except the personal reset code
Fee back after that account's fourth payout. Payouts on a new account that replaces it at a scaling step also count	Yes	Yes	No	No

The 2-Step and 1-Step prices already have the 20% taken off, so there is no code to enter. Only one code applies per order: a different code replaces the included 20% and is never added to it.

On every account the minimum payout is $100 to you after the split, the first payout cycle starts at your first funded trade, and each later cycle starts when the previous payout has been completed and paid. Before every request you close all positions and cancel pending orders, your identity must be verified, and the request is checked before it is paid. Gold, indices and oil use 1:10 leverage and crypto 1:2 on every product. Weekday overnight holding is allowed on every account. Flash is a single attempt with no reset; if any other account fails, the options are in My challenge failed: can I retry or reset it?.

Prices above are for $100K and before add-ons. Each product page lists every size, and add-ons cost extra. Some conditions change once an account is funded: the news window, the qualifying days and profit each payout cycle needs, weekend holding on 1-Step and Flash, 2-Step leverage, and the Flash daily limit, overall limit and consistency check. See How an EverFunded funded account works.

Example: Flash or 1-Step at $100K

A trader wants a $100K account and compares Flash with 1-Step.

Flash: $0.99 now, and $467.22 more only if they pass, due within 14 days of the pass e-mail, so $468.21 in total. One 2% target, no daily limit in the evaluation, a 5% overall limit, no minimum days and no second attempt.
1-Step: $439 paid in full before trading, with the 20% already included. One 10% target, limits of 3% in a day and 6% overall (static), and 3 minimum trading days.
Once funded: a funded Flash needs 7 qualifying days in each payout cycle and has a consistency check; a funded 1-Step needs 3 and has none. Both need 3% net profit in each cycle.

Neither is the better choice in general. Flash puts less money at risk before the result is known and allows no reset. 1-Step costs less in total at this size but is paid before trading starts. The right one depends on the target and limits the trader can work within.

Before you decide

Which account is best for a beginner? We do not rank accounts by experience or by likelihood of passing. Look at the loss limits in the table and ask which ones you can trade within on a bad day. Is EverFunded right for me? can help.
Can I start with Flash and move to a 2-Step later? Yes, as a separate purchase at the 2-Step price. A Flash bought from 24 October 2026 does not earn a credit toward a 2-Step.
Do add-ons make the rules easier? No. Add-ons change only the reward share, the wait before payout requests or swap fees. Looser loss limits and higher leverage are not sold.
Can I hold different account types at the same time? Yes, within these limits: up to 4 active 2-Step, 1-Step and Instant accounts and one active Flash, whether in evaluation or funded, and every account must be traded by you. If the account sizes you have bought add up to more than $400,000, the start of a funded account is reviewed by our Risk team; this is a review, not a ban.
Passing is not guaranteed on any account, and the fee is the money at risk.
If a price or condition at checkout differs from this table, stop before paying. Take a screenshot and ask us through the Messenger or at [email protected]. The objectives published for a product when you buy it are the ones that apply to that account (Terms §5.2, §5.5).

Next step

Read the page for the account you are leaning towards: How the 2-Step Challenge works, How the 1-Step Challenge works, How Flash works: start for $0.99, pay the rest only if you pass or How Instant works: a funded account from day one. Ready to buy? How to buy an EverFunded account, step by step walks through checkout step by step.

All trading at EverFunded is simulated. The fee you pay is the money at risk. Rewards are discretionary and never guaranteed.