TopOneFutures Profit Split on Sim Funded Accounts

Written by Paul

Published on

January 8, 2026

You hit your profit target. You request a payout. TopOneFutures approves it. Then the money hits your account—and it's less than you expected.

Wait. Where'd the rest go?

That's the profit split. TopOneFutures keeps a percentage of your profits as their fee. You keep the rest.

This guide breaks down exactly how the profit split works on TopOneFutures sim-funded accounts, what percentages apply to different account types, how the split changes over time, and whether it's competitive compared to other prop firms.

Let's get into the numbers.

Quick heads-up: This article is based on my real experience with TopOneFutures and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check TopOneFutures website or their help center.

What is the Profit Split?

The profit split is the percentage of your trading profits you keep versus what TopOneFutures keeps.

Example:

You make $1,000 profit on a $50k account
TopOneFutures has an 80/20 split (you keep 80%, they keep 20%)
You receive: $800
TopOneFutures keeps: $200

The split compensates TopOneFutures for:

Providing capital
Platform access
Risk management infrastructure
Payout processing

It's how prop firms make money. You trade their capital, they take a cut of the profits.

TopOneFutures Profit Split by Account Type

TopOneFutures offers different profit splits depending on which account type you're trading:

Account Type	Profit Split	Notes
Elite Sim Funded	80/20	You keep 80%, TopOneFutures keeps 20%
Instant Sim Funded	80/20	Same as Elite
S2F Sim PRO	80/20	Standard split on all S2F accounts
Ignite AF (new)	80/20	Consistent across all Ignite accounts

Bottom line: Every sim-funded account starts at 80/20. You keep 80% of profits, TopOneFutures keeps 20%.

This is standard across the futures prop trading industry. Most firms offer 80/20 or 70/30 splits on funded accounts.

How the Profit Split is Calculated

Let's walk through a real example.

Scenario:

You have a $100k Instant Sim Funded account
You trade for two weeks and make $6,000 profit (hitting your profit target)
You request a payout

Calculation:

Gross profit: $6,000
Your share (80%): $6,000 × 0.80 = $4,800
TopOneFutures' share (20%): $6,000 × 0.20 = $1,200

You receive $4,800. TopOneFutures keeps $1,200.

Simple math. No hidden fees on top of the split (unless you're using certain payout methods like wire transfer, which have separate processing fees).

Does the Split Change After Your First Payout?

Not automatically.

TopOneFutures keeps the 80/20 split consistent across all payouts—first payout, fifth payout, tenth payout. It doesn't change based on time or performance.

However, some traders negotiate better splits after proving consistent profitability.

How to Negotiate a Better Split

TopOneFutures doesn't publicly advertise custom profit splits. But high-performing traders can request improved terms.

Who qualifies:

Traders with 6+ months of consistent profitability
Traders who've withdrawn $20k+ cumulatively
Traders transitioning to live allocation

Improved splits:

85/15 (you keep 85%)
90/10 (you keep 90%)

I've heard of traders negotiating 90/10 after hitting live allocation, but it's rare. Most traders stay at 80/20 indefinitely.

If you want to negotiate, email TopOneFutures support after your 5th or 6th payout and ask if improved terms are available. Worst case, they say no. Best case, you get 85/15 or better.

Profit Split on Live Accounts

Once you transition from sim to live capital, the profit split remains 80/20 by default.

But live traders have more negotiating power.

Why? Because live accounts carry more risk for TopOneFutures. If you're profitable on live capital, they want to keep you happy and trading. That gives you leverage to request better terms.

Typical live split progression:

Start: 80/20
After 6 months live: 85/15 (negotiable)
After 12+ months live: 90/10 (rare, but possible)

Live traders generating $50k+ per year in profits have the strongest negotiating position.

Bi-Weekly Payout Cycle

TopOneFutures processes payouts on a bi-weekly schedule (every two weeks).

Here's how it works:

You hit your profit target
You request a payout
TopOneFutures reviews and approves
Payout processes on the next bi-weekly cycle
You receive your share (after the 80/20 split)

Exception: If you have ANYTIME payout status, you can request and receive payouts within 1–4 hours—outside the bi-weekly cycle.

The profit split applies the same way regardless of payout timing. Whether you're on the bi-weekly cycle or ANYTIME, you still get 80%.

What About Fees and Deductions?

TopOneFutures doesn't deduct additional fees from your profit split—except payout processing fees (which depend on the method you choose).

Payout Method	Processing Fee	Impact on Your Payout
Rise	$0	No fee—you receive 80% of gross profit
Wire Transfer	$25–$50	Fee deducted from your payout amount
Crypto (BTC, USDT)	Network fees (varies)	Gas fees deducted or added on top

Example with wire fee:

Gross profit: $2,000
Your 80% share: $1,600
Wire transfer fee: $50
You receive: $1,550

Always use Rise if possible. It's free and fast.

Profit Split on Multiple Accounts

If you're running multiple TopOneFutures accounts (which is allowed), the 80/20 split applies to each account independently.

Example:

Account 1 ($50k): $3,000 profit → You keep $2,400
Account 2 ($100k): $5,000 profit → You keep $4,000
Account 3 ($150k): $4,000 profit → You keep $3,200

Total across three accounts: $9,600 in your pocket.

TopOneFutures doesn't aggregate your accounts or charge extra fees for running multiple. Each account is treated separately.

This is why multi-account scaling is so powerful. You can pull $10k–$20k per month across 3–5 accounts if you're copy-trading a solid strategy.

How Does TopOneFutures' Split Compare to Competitors?

Prop Firm	Profit Split	Notes
TopOneFutures	80/20	Standard across all account types
Tradeify	100% (first payout), then 90/10	You keep 100% of first payout, 90% after
TakeProfitTrader	100% (first payout), then 90/10	Same as Tradeify
Apex Trader Funding	90/10	Better split, but stricter rules
Bulenox	80/20	Same as TopOneFutures
FundingTicks	80/20	Same as TopOneFutures

Key takeaway: TopOneFutures' 80/20 split is industry-standard. Tradeify and TakeProfitTrader offer better splits (100% first payout, 90/10 after), but TopOneFutures compensates with faster payouts and better platform options.

If split percentage is your #1 priority, Tradeify wins. But if you value speed (ANYTIME payouts) and platform flexibility (Tradovate, NinjaTrader, TradingView), TopOneFutures is competitive.

Real-World Payout Examples

Example 1: Elite Sim Funded ($50k)

Trading activity:

Week 1: +$1,500
Week 2: +$1,500
Total profit: $3,000 (6% profit target hit)

Payout calculation:

Gross profit: $3,000
Your 80%: $2,400
TopOneFutures' 20%: $600

You receive: $2,400

Example 2: S2F Sim PRO ($100k)

Trading activity:

Month 1: +$8,000 profit
ESS requirement met
Payout requested

Payout calculation:

Gross profit: $8,000
Your 80%: $6,400
TopOneFutures' 20%: $1,600

You receive: $6,400

Example 3: Multi-Account Trader

Accounts:

Account A ($50k): $3,000 profit → $2,400 to you
Account B ($100k): $6,000 profit → $4,800 to you
Account C ($150k): $9,000 profit → $7,200 to you

Total across all accounts: $14,400

This is the power of scaling. Even with a 20% cut on each account, you're still pulling $14k+ in a single payout cycle.

Taxes and Profit Split

Your payout from TopOneFutures is considered 1099 income in the U.S.

Tax treatment:

You receive 80% of gross profit as income
You pay self-employment tax (~15.3%) on your net earnings
You can deduct business expenses (platform fees, data subscriptions, home office, etc.)

Example:

Gross profit: $10,000
Your 80% share: $8,000
Self-employment tax (15.3%): ~$1,224
Federal income tax: Varies by bracket

After taxes, you keep roughly 60–70% of your gross profit (depending on your tax bracket and deductions).

TopOneFutures doesn't withhold taxes. You're responsible for quarterly estimated tax payments if you're earning significant income.

Outside the U.S.: Tax treatment varies by country. Consult a local tax advisor.

Does the Profit Split Apply to Losses?

No. The profit split only applies to profits.

If you lose money, TopOneFutures doesn't split the loss with you. You bear 100% of the drawdown risk (within the account's drawdown limits).

Example:

You lose $2,000 on a trade
Your account balance drops by $2,000
TopOneFutures doesn't compensate you for the loss

This is standard across all prop firms. You trade their capital, you keep a split of profits, but you absorb 100% of losses (up to the drawdown limit, after which you're stopped out).

Can You Reinvest Your Profits Instead of Withdrawing?

Yes. You can leave profits in your account and keep trading with a higher balance.

But here's the thing: Your account size doesn't change.

If you have a $100k account and you make $10k profit, your balance is now $110k. But for payout calculation purposes, you're still trading a $100k account.

TopOneFutures tracks your profit based on your starting balance, not your current balance.

So leaving profits in the account gives you more cushion for drawdown—but it doesn't change your payout target or profit split.

My Take: 80/20 is Fair

Some traders complain about the 20% cut. "Why should TopOneFutures keep $2,000 when I did all the work?"

Here's the reality: TopOneFutures is providing capital, infrastructure, and risk management. Without them, you'd be trading your own $100k (which most retail traders don't have).

80/20 is industry-standard. It's fair. And once you transition to live allocation and hit higher payout volumes, you can negotiate better terms.

I've pulled $30k+ from TopOneFutures accounts. The 20% cut sucks in the moment, but it's a small price to pay for access to capital I didn't have to front myself.

If you want a better split, look at Tradeify (100% first payout, 90/10 after). But TopOneFutures' faster payouts and platform flexibility make the 80/20 split worth it.

Summary: TopOneFutures Profit Split

All sim-funded accounts start at 80/20 (you keep 80%, TopOneFutures keeps 20%)
The split applies to gross profits—no hidden fees on top of it (except payout method fees)
Split stays consistent across all payouts unless you negotiate better terms
High-performing traders can request 85/15 or 90/10 after 6+ months of consistency
Live accounts maintain the same split by default but offer more negotiating power
Profit split is calculated per account if you're running multiple accounts
TopOneFutures' 80/20 split is industry-standard and competitive

If you're pulling consistent profits, the 20% cut is negligible. Focus on scaling with multiple accounts, hitting ANYTIME payout status, and transitioning to live allocation—that's where the real money is.