How much can you really earn with SwiftTrader?
With SwiftTrader, you keep 90% of your profits. Once you pass the challenge, you can request your first payout from 3% profit – on a $100,000 account, that’s at least $2,700. If you pass the challenge, your fee is always covered.
Sounds good, but the numbers on a website are one thing. What actually lands in your account is another. So let's do the math properly, from the start – calculator in hand, feet firmly on the ground.
How do you get to your first payout?
All you need is to pass one challenge phase and then make at least 3% on your account – and with SwiftTrader, 90% of that is yours. Here's how it works:
- Pass the challenge. Make 6% of your account size. You have a minimum of 3 trading days and a maximum of 60 days.
- Make at least another 3% on your new account. That's the minimum profit you need before you can request a payout.
- Request your payout. You get 90% of the profit you've made. We approve payouts within seconds and send the money within 3–5 hours. You can keep trading in the meantime.
Three steps on paper, but in practice it all comes down to one skill: keeping your losses in check. You can't lose more than 2% in a single day, your total loss can't go beyond 3%, and you can't have more than 3% at risk in open trades. These rules aren't there to catch you out. They're exactly the habits that separate traders with payouts from those starting over every other week.
Choose your SwiftTrader challenge
How much do you earn on each account size?
Your first payout starts at $135 on a $5,000 account and at $5,400 on a $200,000 account. The rules are the same in percentage terms for every account size – only the fee and the amounts change. You'll find a price comparison of all programs in How much is prop trading?
The "Your first payout" column shows the lowest possible first payout – if you withdraw as soon as you hit 3%. Make more, and you get more.
To put it in perspective: your first payout from the smallest account buys a nice dinner for two. On a $100,000 account, it's an amount you'll definitely notice in your household budget. And that's just the minimum.
How much does each 1% of profit bring you?
Each 1% of profit on your account brings you 0.9% of the account size. On a $100,000 account, that's $900.
Let's take a trader. His name is Jake and he's trading on a $100,000 account. He passed the challenge in three weeks, and the following month he made 4%. No record chasing, just a few well-chosen trades and discipline. That's $4,000 in profit on the account, $3,600 of which lands in his pocket – and he stopped thinking about the $499 fee a long time ago.
When does the fee pay for itself?
You cover the fee with just 0.5–1% of profit, depending on your account size – well before you reach your first payout (3%).
Honestly, this is the nicest table in the article. Once you get to your first payout, the fee is already covered with room to spare. The $100,000 account comes out best – the fee is only 0.5% of the account size. It's no coincidence that it's the most popular choice among our traders.
Is it harder to succeed on a bigger account?
No. Whether you have $5,000 or $200,000, the target is always 6%, the daily loss limit is 2% and the overall limit is 3%.
There is one difference though, and it plays out in your head. Watching a $4,000 loss flash on your screen is a completely different experience from $200 – even though in both cases it's the same 2%. So when choosing, don't ask which account would make you the richest. Ask yourself which numbers you can stay calm with, and how much you're willing to pay for an attempt.
What Fintokei traders say?
What if you don't pass the challenge?
You lose the fee. You can try again as many times as you want, but each attempt means a new fee.
We won't sugarcoat it: every calculation in this article only applies if you pass the challenge and make a profit on your account. Not everyone manages that, and rarely on the first try. One oversized trade at the wrong moment is enough to end an attempt.
But a failed attempt doesn't have to mean money wasted. If you go back through your losing trades and figure out exactly where things went wrong, you know what to work on.
And even better? Try the SwiftTrader challenge for free – on a Free Trial account, which you can open up to three times.
If you're wondering whether prop firms actually pay out and how to spot a trustworthy one, read Is prop trading legit? And to see how fast you can get your money at different firms, check out Fastest payout prop firms in 2026.
How do you get started with SwiftTrader?
For free. Download the Fintokei app, open a Free Trial, and take your time getting a feel for trading under SwiftTrader rules. No pressure, no fee. And when you feel it's time to go for real:
Choose your SwiftTrader challenge
Frequently asked questions
How much can I earn on a $100,000 SwiftTrader account?
Each 1% of profit brings you $900. You can request your first payout from 3% profit, so at least $2,700.
What percentage of the profit do I keep?
90%. If you make $1,000 on your account, you get $900.
When can I request my first payout?
First, you pass the challenge (6% profit, in at least 3 trading days). Then you make at least 3% on your account and you can request a payout.
How fast will I get my money?
We approve payouts within seconds and send the money within 3–5 hours.
How long does it take for the SwiftTrader fee to pay for itself?
Depending on your account size, you cover it with roughly 0.5–1% profit. That's less than what you need for your first payout. If you get to a payout, your fee is always covered.
Is it harder to pass the challenge on a bigger account?
No. The rules are the same in percentage terms for all account sizes. Only the fee and the size of the reward change.
Part of the support team, focused on solving your issue before you even type “payout.” Outside of work, you’ll probably find me in a park with a book or sitting in a cinema, quietly analyzing the plot like it’s a price chart. Favorite platform: MetaTrader. Favorite challenge: ProTrader.
