Instant Funding Two-Phase: prices, rules and payouts (2026)
Instant Funding's Two-Phase is a 2-step challenge you can take in 6 sizes, from 5K to 200K. At 100K it's $539. You'll aim for 8% / 5% profit while keeping daily losses under 5% and total losses under 10%.
Instant Funding Two-Phase against other 2-Step 100K challenges
Needle = Instant Funding. Tick = the middle of 45 similar challenges.
Two-Phase prices by size
| Account | Price | Target | Daily loss | Max loss | Split |
|---|---|---|---|---|---|
| $5,000 | $48 | 8% / 5% | 5% | 10% | 80% |
| $10,000 | $89 | 8% / 5% | 5% | 10% | 80% |
| $25,000 | $163 | 8% / 5% | 5% | 10% | 80% |
| $50,000 | $296 | 8% / 5% | 5% | 10% | 80% |
| $100,000 | $539 | 8% / 5% | 5% | 10% | 80% |
| $200,000 | $1,078 | 8% / 5% | 5% | 10% | 80% |
Regular prices without promo codes, checked on 14 November 2026. Firms update prices a lot, so please double-check on their site before you buy.
Rules worth knowing
The drawdown is static: your loss limit stays tied to your starting balance and never creeps up with profits, which gives you more breathing room. There's a consistency rule (40%), so no single day can make up too much of your total profit. There's no time limit, so take your time.
Other 100K challenges to consider
Here are other 2-step challenges at 100K, cheapest first. For comparison, Two-Phase costs $539.
| Firm | Price | Target | Max loss |
|---|---|---|---|
| AquaFunded | $279.20 Two Step Pro | 10% / 5% | 10% |
| FundedElite | $299 Lite 2 Step | 10% / 5% | 8% |
| OneFunded | $349 Value | 8% P1 / 6% P2 | 8% |
| Atmos Funded | $379 2-Step Plus | 6% / 6% | 6% |
| The5ers | $405 High Stakes New | 10% / 5% | 8% |
| Maven Trading | $440 2-Step Challenge | 8% / 5% | 8% |
What we think
6 firms are cheaper at this size, so it's worth comparing the rules first. It has 3.1 out of 5 on Trustpilot, so read a few recent reviews before you buy.
Questions traders ask us
How much is Instant Funding Two-Phase at 100K?
It's $539. Depending on size, you'll pay anywhere from $48 (5K) to $1,078 (200K).
What target and limits come with Two-Phase?
You'll need 8% / 5% to pass. The daily loss limit is 5% and the overall limit is 10%, with a static drawdown.
How often does Two-Phase pay out?
Payouts come On request, and you keep 80%.