How Do Payouts Work at Funded Guru?

The short answer: you request a payout, trading on that account is suspended while it's processed, and your balance is updated once it's done. The formula differs slightly between Instant Funding and 2-Step accounts.

When can I request my first payout?

On both programs, your first payout is available 14 days after your first trade on the funded account. After that, request your payout anytime – payouts are processed bi-weekly and hit your account instantly once processed.

VIPs skip the 14-day wait entirely. Request from day one.

All trades must be closed first

You cannot request a payout with open positions. All trades must be closed before a payout request can be submitted. This applies to both Instant Funding and 2-Step accounts.

Trading is suspended during processing

From the moment you submit a payout request, trading on that account is suspended until the payout is fully processed. Once it's done, you can resume trading.

The payout formula – Instant Funding

• Gross = Balance − Capital − Buffer
• Net = Gross × Payout Split %

The 2% buffer is deducted from eligible profits before the split is applied. It stays in the account at all times to protect against breaching the drawdown floor during the payout process.

Example: $100,000 account. Balance is $112,000. Capital = $100,000. Buffer = $2,000. Gross = $10,000. At 90% split, net payout = $9,000.

The payout formula – 2-Step Challenge

• Gross = Balance − Capital
• Net = Gross × Payout Split %

No buffer on 2-Step accounts.

Example: $100,000 account. Balance is $112,000. Capital = $100,000. Gross = $12,000. At 90% split, net payout = $10,800.

What happens to the account balance after a payout?

The gross amount is deducted from the balance:

New Balance = Old Balance − Gross

Using the 2-Step example: $112,000 − $12,000 = $100,000. The account resets to capital level.

What profit split do I get?

90% is the standard split on both programs. Higher splits are available through promo codes, add-ons, and VIP status — up to 100% for standard traders, and beyond 100% for VIP tiers (120% at Tier 2, 150% at Tier 3).

Do I get my Challenge fee back?

On the 2-Step Challenge, yes — your entry fee comes back to you with your first funded payout. On Instant Funding, no — there's no evaluation milestone to clear, so there's nothing tied to a fee return.