Quick Answer — Sway Funded 90/10 Split Add-On
- • Upgrades profit split from 80% to 90% on the funded account — must buy before starting
- • Available on Rapid and Regular Challenges only — not on the Instant Account
- • Cost is included in the first payout fee credit alongside the entry fee
- • On a $10K account earning 10% per cycle: extra $100 per payout vs default 80%
- • Add-on cost is typically recovered within 1–2 funded payout cycles
Research-based breakdown: I haven't run Sway Funded accounts personally — my funded trading is in futures. Everything here comes from their official help center, Terms of Service, pricing pages, and community data. I've cross-referenced all figures and flagged anything unverified.
For the full add-ons comparison, read the Sway Funded account types overview. For the full firm breakdown, see my complete Sway Funded review. For current add-on pricing, check Sway Funded's website or their help center.
Sway Funded's default profit split is 80%. The 90/10 Split add-on upgrades that to 90%. The question is whether the cost of the add-on is justified given the extra 10% you'll earn on every funded account payout going forward.
Short answer: yes, for most traders who plan to stay funded. The math works out quickly. Let me show you exactly how.
What the 90/10 Split Add-On Does
The add-on changes one thing: your profit share on the SF Trader funded account goes from 80% to 90%.
It applies to all payouts on that funded account for as long as you hold it. There's no time limit or per-cycle activation.
The add-on must be purchased before you start the challenge. You can't add it after you've already begun.
Dollar Impact at Each Account Size
The value of the upgrade depends entirely on how much profit you generate per payout cycle. Here's the math at 10% profit per cycle (the minimum for the funded account's standard payout cycle):
Account Size10% Profit ($)80% Split Payout90% Split PayoutDifference per Cycle$1,000$100$80$90+$10$5,000$500$400$450+$50$10,000$1,000$800$900+$100$25,000$2,500$2,000$2,250+$250$50,000$5,000$4,000$4,500+$500$100,000$10,000$8,000$9,000+$1,000$200,000$20,000$16,000$18,000+$2,000
These numbers scale linearly. If you run a $10K account and earn 5% per cycle instead of 10%, the difference drops to $50 per cycle. At 20% per cycle, it's $200.
When Does the Add-On Pay Back?
The add-on cost gets included in the first payout fee credit. So the actual calculation for break-even is:
Break-even = Add-on cost ÷ Extra earnings per cycle
Since Sway Funded doesn't publish exact add-on prices in a single table (they appear at checkout based on account size and type), the math changes per account. But the structure is consistent: the add-on is a flat fee, the extra earnings per cycle are a percentage of your profit.
At $10K, if the add-on costs $30 and you earn an extra $100 per cycle:
- The add-on is credited toward your first payout along with the entry fee
- From cycle 2 onward, you pocket an extra $100 every time you complete a cycle
A $10K trader completing 3 funded cycles in 3 months earns $300 more over the quarter — likely far more than the add-on cost.
At $100K, the calculus is even clearer. An extra $1,000 per cycle means a $50–$100 add-on pays back in a fraction of the first cycle.
Does the 90/10 Split Apply During the Challenge?
No. During the evaluation phase, there's no profit split — you're trading a virtual account. The 90/10 upgrade only applies to the SF Trader funded account after you pass.
The point of buying it before the challenge starts is that it must be attached to the challenge before activation. It flows through to the funded account once you pass.
The Honest Case Against Buying It
There's a scenario where it doesn't make sense: if you're going to fail the challenge.
If you pay an extra $30–$100 for the 90/10 Split add-on and then fail the challenge, you don't get that money back as cash. It's included in the fee credit — but only if you pass. A failed challenge means the add-on cost is lost along with the entry fee.
For traders who are uncertain about their ability to pass — especially on a first attempt at a new prop firm — keeping the upfront cost low is a reasonable strategy. Pass first, then buy the 90/10 upgrade on your next account or consider whether you can add it retroactively (confirm with support).
For confident traders who expect to pass: buy it. The upside is perpetual.
Comparison: 80% vs 90% Over 12 Payout Cycles
On a $25K account earning $2,500 per cycle (10%):
Cycles80% Split Total90% Split TotalCumulative Difference1$2,000$2,250+$2503$6,000$6,750+$7506$12,000$13,500+$1,50012$24,000$27,000+$3,000
Over 12 payout cycles on a $25K account, the 90% split earns $3,000 more than the 80% split. If the add-on cost was $100, the return on that $100 add-on over a year of consistent funded trading is $3,000.
The bottom line:
The 90/10 Split add-on has the clearest positive ROI of any Sway Funded add-on for traders who expect to stay funded. The cost is relatively small, it's included in the first payout credit, and the extra 10% compounds across every cycle you complete. The only reason not to buy it: you're unsure you'll pass the challenge, and you want to minimize upfront cost on a potentially unsuccessful attempt.
Frequently Asked Questions
What does the Sway Funded 90/10 Split add-on do?
It upgrades your profit split on the funded account from 80% to 90%. The upgrade applies to all payouts on that funded account. It must be purchased before starting the challenge.
Is the Sway Funded 90/10 Split add-on worth buying?
For traders who plan to stay funded and complete multiple payout cycles, yes. The extra 10% per payout typically recovers the add-on cost within one or two cycles. For traders who are uncertain about passing the evaluation, skipping it reduces upfront risk.
Does the 90/10 Split apply during the evaluation phase?
No. The 90% split only applies to the SF Trader funded account after passing the evaluation. During the challenge, there is no profit split — you're trading a virtual account.
When do you buy the 90/10 Split add-on at Sway Funded?
Before starting the challenge. The add-on must be attached to the challenge before you activate it. You cannot add it after trading has begun.
Is the 90/10 Split add-on cost refunded if you fail the challenge?
No. If you fail the evaluation, the add-on cost is not returned. The fee credit (which includes add-on costs) only applies on a successful challenge where you receive a funded account.
How much more do you earn per cycle with the 90/10 Split vs 80% default?
On a $10,000 funded account earning 10% per cycle ($1,000 profit), the difference is $100 per cycle ($900 at 90% vs $800 at 80%). On a $25,000 account at the same 10% cycle, the difference is $250 per cycle.
Can you get a 90% split on the Sway Funded Instant Account?
No. The 90/10 Split add-on is only available on Rapid and Regular Challenge accounts. The Instant Account has a capped tiered system with a maximum 75% split and no add-on options.
Can the 90/10 Split add-on be combined with other add-ons?
Yes. The 90/10 Split can be combined with other add-ons including Fixed Drawdown and Challenge Refresh. All add-on costs are included together in the first payout fee credit.
What is the default profit split at Sway Funded?
80% for funded accounts on Rapid and Regular Challenges. The 90/10 Split add-on upgrades this to 90%. The Instant Account uses a tiered system (55%, 65%, 75%) and does not have a 90% option.
How long does it take to recover the 90/10 Split add-on cost?
It depends on the add-on cost (not publicly listed per size) and your payout cycle frequency. At $10K with $100 extra per cycle, a $30–$50 add-on cost recovers within one cycle. The add-on is also included in the first payout fee credit, so on a successful pass it reduces your first reward rather than being a separate cost.
