Funding Pips sells several evaluation models with different loss limits — a 5% daily limit on one, 3% on another, maximum drawdowns from 5% to 12% — so the right lot size depends on which account you bought, not just on your balance. This calculator gives you the lot size for any stop and risk level; the tables below tell you which risk level fits each Funding Pips program.
How this calculator is set up for Funding Pips
The defaults assume a $100,000 account, 1% risk per trade and a 20-pip stop at $10 per pip per lot (correct for EUR/USD, GBP/USD and other USD-quoted majors). Change the balance to match your account and the risk to match your program using the guidance below. For gold, indices, oil or JPY pairs, use the symbol-specific calculators at the bottom of the page — they carry the right pip or point value.
Funding Pips programs and their loss limits
Published figures as of 2026. Funding Pips changes its lineup often — the 10% Phase 1 target on 2-Step Standard was retired in July 2026, for example — so confirm the rules on the account you actually hold.
| Program | Profit targets | Daily loss | Maximum loss | Drawdown type |
|---|---|---|---|---|
| 2-Step Standard | 8% then 5% | 5% | 10% | Balance-based |
| 2-Step Pro | 6% then 6% | 3% | 6% | Static |
| Zero | — | 5% | 5% | Trailing on closed balance |
| Flex (1- and 2-Step) | Program-specific | 5% | 12% | Program-specific |
The daily limit resets at the start of Funding Pips's trading day and is measured on equity, so open floating losses count. On the trailing models the floor ratchets up as you bank profit; on the static Pro model it stays where it started.
The lot size formula with Funding Pips numbers
Lot size = (Account balance × Risk %) ÷ (Stop loss in pips × Pip value per lot)Example 1 — 2-Step Standard, $100K: 1% risk, 20-pip stop on EUR/USD.
- Risk amount: $100,000 × 0.01 = $1,000
- Loss per lot: 20 × $10 = $200
- Lot size: $1,000 ÷ $200 = 5.00 lots
Example 2 — 2-Step Pro, $100K: the 3% daily limit argues for 0.5% risk. 30-pip stop on GBP/USD.
- Risk amount: $500
- Loss per lot: 30 × $10 = $300
- Lot size: $500 ÷ $300 = 1.67 lots
Example 3 — Zero, $50K: 5% maximum loss and no daily limit distinct from it, so treat the whole account as having 5% of room. 0.5% risk, 25-pip stop.
- Risk amount: $250
- Loss per lot: 25 × $10 = $250
- Lot size: 1.00 lot
Matching risk per trade to your program
The useful number is how many consecutive stop-outs you can take before a breach. Divide the limit by your per-trade risk:
| Risk per trade | 3% daily (Pro) | 5% daily (Standard, Zero) | 6% max (Pro) | 10% max (Standard) |
|---|---|---|---|---|
| 1.0% | 3 | 5 | 6 | 10 |
| 0.5% | 6 | 10 | 12 | 20 |
| 0.25% | 12 | 20 | 24 | 40 |
On 2-Step Pro, 1% risk gives you three losses in a day and six in total — thin for any strategy. 0.5% is the realistic ceiling there. On Standard, 1% is workable but many traders drop to 0.5% after two losses in a session to protect the day.
Common sizing mistakes on Funding Pips accounts
- Using Standard sizing on a Pro or Zero account. The lot size that is fine at a 10% maximum is twice too large at 5–6%. Check which model you hold before you trade.
- Forgetting the trailing floor. On Zero, every closed profit lifts the floor. A $2,000 profit followed by a $2,000 loss is a breach, not a round trip.
- Sizing on the technical stop instead of the real stop. Spread and slippage add pips. A 20-pip chart stop is a 22-pip real stop on GBP/USD during news; size on 22.
- Same lots on every symbol. 5 lots of EUR/USD and 5 lots of XAU/USD are not the same risk — gold's dollar-per-pip is broker-dependent and its daily range is far wider.
- Holding through the daily reset with a floating loss. The loss counts against whichever day it is open in. A trade that is down 2% at the reset starts the new day already 2% into the limit.
Track your Funding Pips evaluation in Fips
Fips's free trading journal records each trade in R, keeps a running daily P&L, and shows you which setups produced the losses that ate your buffer. Connect an MT5 or cTrader account and trades import automatically. Before you buy another evaluation, backtest the strategy in Fips and read its worst losing streak — if it has strung six losses together in the past, a 1% risk model will not survive the 6% maximum on a Pro account, and you can find that out for free.
Frequently asked questions
What lot size should I use on a $100K Funding Pips account?
At 1% risk and a 20-pip stop on a USD-quoted major, 5 lots. At 0.5% risk, 2.5 lots. At a 40-pip stop, half of each. The lot size is a function of your stop and your risk, not a fixed number per account.
Is 1% risk per trade safe on Funding Pips?
On 2-Step Standard it is a common choice. On 2-Step Pro, with a 3% daily and 6% maximum, 1% leaves you three losses in a day; 0.5% is the safer default.
Does Funding Pips count floating losses toward the daily limit?
Yes. The daily limit is measured on equity, so open positions count in real time.
Can I use this calculator for gold or indices?
Use the dedicated calculators linked below. They carry the correct pip value for XAU/USD, US30, NAS100 and oil; the $10 default on this page is only right for USD-quoted forex majors.
Fips is not affiliated with, endorsed by or sponsored by Funding Pips. The rule figures on this page are the firm's published terms as of 2026 and can change without notice; verify them on the firm's own website before trading.