FXIFY rules 2026: daily loss, max loss, consistency, news
The rules of every FXIFY program we track (6), taken from the firm's official pages. Last checked on Sep 26, 2026.
FXIFY programs at a glance
Percentages refer to the initial account balance. "—" means the value could not be verified.
One Phase
- Profit target
- 10%
- Daily loss
- 3%from the balance at resetresets 5:00 PM EST
- Max loss
- 6%trailing
- Min. days
- 5 days
- Time limit
- Unlimited
- Profit split
- 80% – 90%
- Consistency
- Eval: NoneFunded: None
- News / weekend
- News: allowedWeekend: allowed
Verified Sep 26, 2026
Firm notes
Daily limit: 3% below the previous day's 5 PM EST balance, breached on equity. Max loss trails the closed-balance high and locks at the starting balance at +6% or on the first payout. 100% fee refund with the first payout.
Official sources
Two Phase (Standard)
- Profit target
- 10% / 5%
- Daily loss
- 4%from the balance at resetresets 5:00 PM EST
- Max loss
- 10%trailing
- Min. days
- 5 daysper phase
- Time limit
- Unlimited
- Profit split
- 80% – 90%
- Consistency
- Eval: NoneFunded: None
- News / weekend
- News: allowedWeekend: allowed
Verified Sep 26, 2026
Firm notes
Max loss trails the high-water mark and locks at the starting balance at +10% or on payout. Two Phase was static with a 5% daily limit in Sept 2024; trailing Standard existed by Mar 2025.
Official sources
Two Phase (Classic)
- Profit target
- 5% / 10%
- Daily loss
- 4%from the balance at resetresets 5:00 PM EST
- Max loss
- 10%static
- Min. days
- 4 days
- Time limit
- Unlimited
- Profit split
- 80% – 100%
- Consistency
- Eval: NoneFunded: 25%
- News / weekend
- News: allowedWeekend: allowed
Verified Sep 26, 2026
Firm notes
Targets appear as 5% then 10% in FXIFY's official pricing data. That order is unusual, so confirm it on the checkout page before buying. Up to 100% split with add-ons.
Official sources
Two Phase (Pro)
- Profit target
- 4% / 8%
- Daily loss
- 4%from the balance at resetresets 5:00 PM EST
- Max loss
- 8%static
- Min. days
- 3 daysprofitable
- Time limit
- Unlimited
- Profit split
- 80%
- Consistency
- Eval: other ruleFunded: other rule
- News / weekend
- News: allowedWeekend: allowed
Verified Sep 26, 2026
Firm notes
No best-day percentage; instead a $4,000 maximum gain per day. Profitable day = at least 0.5%.
Official sources
Instant Funding (Standard)
- Profit target
- None
- Daily loss
- 8%from the balance at resetresets 5:00 PM EST
- Max loss
- 8%trailing
- Min. days
- —
- Time limit
- Unlimited
- Profit split
- up to 90%
- Consistency
- Funded: None
- News / weekend
- News: not allowedWeekend: not allowed
Verified Sep 26, 2026
Firm notes
Max loss trails the high-water mark and locks at the initial balance at +8% or after a withdrawal. First payout 14 days after the first trade, then bi-weekly. An Instant Funding Lite variant also exists (3% daily, 4% trailing, 20% consistency).
Official sources
Lightning Challenge
- Profit target
- 5%
- Daily loss
- 3%from the balance at reset
- Max loss
- 4%trailing
- Min. days
- 3 days
- Time limit
- 5 trading days
- Profit split
- up to 90%
- Consistency
- Eval: 30%Funded: 30%
- News / weekend
- News: not allowedWeekend: allowed
Verified Sep 26, 2026
Firm notes
Max loss trails the closed-balance high (4% of initial) and locks at the starting balance at +4%. Stop loss mandatory on every trade; EAs not allowed. FXIFY also sells a Three Phase program (5%/5%/5%, 5% daily, 5% static).
Official sources
How FXIFY measures the daily loss
The daily limit is where most challenges are lost. What counts, from which balance, and when it resets:
- One Phase: counted from the balance recorded at the daily reset, resets at 5:00 PM EST.
- Two Phase (Standard): counted from the balance recorded at the daily reset, resets at 5:00 PM EST.
- Two Phase (Classic): counted from the balance recorded at the daily reset, resets at 5:00 PM EST.
- Two Phase (Pro): counted from the balance recorded at the daily reset, resets at 5:00 PM EST.
- Instant Funding (Standard): counted from the balance recorded at the daily reset, resets at 5:00 PM EST.
- Lightning Challenge: counted from the balance recorded at the daily reset.
Size your FXIFY trades before you place them
The FXIFY calculator turns your balance, risk per trade and stop loss into a lot size, so a single loss stays inside the daily limit. It is free and works without an account.
Related guides
FXIFY rules: frequently asked questions
One Phase: 3% (from the balance at reset, resets 5:00 PM EST). Two Phase (Standard): 4% (from the balance at reset, resets 5:00 PM EST). Two Phase (Classic): 4% (from the balance at reset, resets 5:00 PM EST). Two Phase (Pro): 4% (from the balance at reset, resets 5:00 PM EST). Instant Funding (Standard): 8% (from the balance at reset, resets 5:00 PM EST). Lightning Challenge: 3% (from the balance at reset).
One Phase: 6% (trailing). Two Phase (Standard): 10% (trailing). Two Phase (Classic): 10% (static). Two Phase (Pro): 8% (static). Instant Funding (Standard): 8% (trailing). Lightning Challenge: 4% (trailing).
One Phase: counted from the balance recorded at the daily reset, resets at 5:00 PM EST. Two Phase (Standard): counted from the balance recorded at the daily reset, resets at 5:00 PM EST. Two Phase (Classic): counted from the balance recorded at the daily reset, resets at 5:00 PM EST. Two Phase (Pro): counted from the balance recorded at the daily reset, resets at 5:00 PM EST. Instant Funding (Standard): counted from the balance recorded at the daily reset, resets at 5:00 PM EST. Lightning Challenge: counted from the balance recorded at the daily reset.
One Phase: None (Eval), None (Funded). Two Phase (Standard): None (Eval), None (Funded). Two Phase (Classic): None (Eval), 25% (Funded). Two Phase (Pro): other rule (Eval), other rule (Funded). Instant Funding (Standard): None (Funded). Lightning Challenge: 30% (Eval), 30% (Funded).
One Phase: allowed. Two Phase (Standard): allowed. Two Phase (Classic): allowed. Two Phase (Pro): allowed. Instant Funding (Standard): not allowed. Lightning Challenge: not allowed.
One Phase: allowed. Two Phase (Standard): allowed. Two Phase (Classic): allowed. Two Phase (Pro): allowed. Instant Funding (Standard): not allowed. Lightning Challenge: allowed.
One Phase: 5 days. Two Phase (Standard): 5 days (per phase). Two Phase (Classic): 4 days. Two Phase (Pro): 3 days (profitable). Lightning Challenge: 3 days.
One Phase: 80% – 90%. Two Phase (Standard): 80% – 90%. Two Phase (Classic): 80% – 100%. Two Phase (Pro): 80%. Instant Funding (Standard): up to 90%. Lightning Challenge: up to 90%.
Rules at other prop firms
Rules change often. Always check the current rules on the firm's own website before you buy a challenge. Fips is not affiliated with, sponsored by or endorsed by any of these firms, and nothing on this page is financial advice.
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