Funded-Account Fees: Reconcile Costs and Your Cash Result

A profit share, an evaluation fee, trading costs and a third-party service charge are different entries. “Management fee” is not one universal fee model. To work out what reaches you, identify the precise programme, what its reported profit already includes and which charges you pay separately.

Start with the account and contract

A quoted account size is not automatically a cash deposit owned or invested by the trader. For example, FTMO describes its CFD accounts as simulated. Keep simulated results, contractual Rewards and cash actually received separate. Do not label a Reward divided by a nominal account size as a personal investment return.

Record the product, phase, region, purchase/reset date, contract version and currency. A fee can recur before qualification and stop afterwards, or be conditional on a later event. A challenge payment does not by itself buy an unrestricted withdrawal right.

Build a ledger instead of one catch-all percentage

• Participation: purchase, renewal, reset or activation, where the actual offer provides for it.
• Trading records: execution prices, commissions and swap/financing entries; identify what is already included in reported profit.
• Reward calculation: eligible profit base, trader share, caps, adjustments and approval conditions.
• Outside payments: software/service charges, transfer charges and currency conversion actually incurred.
• Refund: exact eligible fee, required event, request procedure and payment received. An expected refund is not cash already returned.

Spread can already be reflected in entry and exit prices; commissions or swaps may appear as separate fields or within the statement total. Read the report definition before subtracting them again. Spread, slippage and commission are not interchangeable names for one charge.

Programme examples checked on 15 October 2026

• FTMO’s refund rule distinguishes products: 2-Step fee refund is linked to the first Reward request; 1-Step and Instant fees are not covered by that refund rule.
• FundedNext Stellar 2-Step is a paid, one-time-fee product, not a universally free account. Its refund documentation distinguishes products and purchase/reset dates.
• Topstep is futures-only. The Trading Combine subscription and Express Funded Account fees concern different phases; the XFA has no monthly subscription, with activation dependent on the selected route.
• The 5ers says it charges no recurring monthly fees and describes a remaining Bootcamp payment after passing.

Use the current offer for actual prices and the exact account policy for conditions. These examples establish no market average, universal refund or provider-quality ranking.

A worked cash ledger without double deductions

Fictional example only, all amounts in EUR. No firm tariff, customer result or expected return. Suppose trading profit before separately itemised commission and swap is €1,000. Commission is €40 and swap is €10, so the assumed eligible base is €950. If the assumed trader share is 80%, the Reward calculation is €950 × 0.80 = €760.

1. Subtract an external software fee of €20 and transfer fee of €5: €760 − €20 − €5 = €735.
2. If a €100 participation fee was actually paid in this same ledger period, the period’s cash result is €735 − €100 = €635.
3. If a qualifying €100 refund is later actually received, the combined ledger becomes €735. It is not a second trading profit.

If the starting statement already reports €950 after commission and swap, start there; do not subtract €40 and €10 again. These assumptions determine which charges fall before or after the split. A real contract may define the base differently.

Currency, repeat attempts and time periods

Do not subtract a euro fee directly from dollar or real-denominated income. Record the actual conversion amount or the exchange rate, date and conversion cost used. A pip calculation also needs instrument, contract size, lot quantity and account currency; it is not a universal fee estimate.

Include each paid retry and renewal. Do not turn one profitable scenario into twelve identical monthly payments, a payback date or a claim that larger nominal accounts are easier or cheaper overall. A no-payout period can still incur costs; the contract determines which remain due.

Keep third-party tools and tax separate

A JPTC offer has its own commercial terms; it does not set another programme’s profit share. Assess the EA Hub by exact version and permitted use. The separate hosted JPTC Algo is not offered for prop evaluations, and customers do not install/run it or need a VPS for that hosted service. No tool is shown here to reduce fees or guarantee compliance, a pass or a payout.

Company broker-statement figures are not client fee tracking or an independent audit. The ledger above is before any jurisdiction-specific tax assessment; it establishes no tax rate, classification or deduction right. Reconcile contract, statement and received cash before drawing a conclusion.

JPTC Algo: company-published screenshots

Illustrative company screenshots, not evidence of challenge outcomes. Refer to the statement results page for the reported period.

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