The short version
| Program | Daily loss | Overall loss | How the floor moves |
|---|---|---|---|
| 2-Phase | 5% | 10% | Fixed at 90% of the starting balance |
| 1-Phase | 4% | 6% | Trails your highest balance, locks at the starting balance |
| 3-Phase | 5% | 5% | Fixed at 95% of the starting balance |
| Instant | 4% | 6% | Not stated in CFT’s FAQ |
| Break $25K, $50K | None listed | 4% | Trails your highest balance; open and closed losses count |
| Break $100K | None listed | 3% | Trails your highest balance; open and closed losses count |
Your limits in dollars
Your limits in dollars
Pick a program and an account size. Based on CFT’s published rules and prices, read 29 Sep 2026.
- Daily loss limit, day 1
- $4,000
- 4% of your balance at 00:05 UTC, checked on equity
- Equity floor
- $94,000
- Trails your highest balance. Locks at $100,000 once your balance reaches $106,000.
- Profit target
- $10,000
- One phase, then funded
- Challenge price
- $619
- Same price on Bybit, Match-Trader and MT5
Day 1 figures. The daily limit is taken again from your balance at each 00:05 UTC reset.
On a Break account, or at another firm? Use our drawdown calculator: it handles fixed and trailing floors of any size.
§1 Daily loss limit
The daily limit is 5% on 2-Phase and 3-Phase, and 4% on 1-Phase and Instant. CFT takes your balance at 00:05 UTC as the day’s reference and checks breaches on equity, so a losing trade that is still open counts against you.
Example · 2-Phase · $100,000 account · day 1
- Balance at 00:05 UTC
- $100,000
- Daily limit (5%)
- $5,000
- Equity must stay above, until the next reset
- $95,000
§2 Trailing drawdown on 1-Phase
On 1-Phase, the overall limit is a floor that starts 6% under your starting balance and rises with your highest balance. CFT measures it on balance, so it moves when you close a trade in profit. It stops for good once it reaches your starting balance. The breach itself is checked on equity: if equity dips under the floor at any moment, the account is breached.
On $100,000 the floor starts at $94,000. It reaches $100,000 when your balance first hits $106,000, then stays there. CFT’s FAQ gives the $107,000 case: the floor is then $100,000.
§3 Fixed maximum loss
On 2-Phase the floor never moves: it sits 10% under the starting balance, so $90,000 on a $100,000 account, however much you make. The 3-Phase evaluation uses 5%. The 2-Phase can be bought with add-ons that raise the daily limit to 6% (for 15% more) or the maximum loss to 12% (for 25% more).
§4 Break trailing loss limit
CFT’s FAQ gives Break accounts one trailing limit and lists no daily limit for them. Total open and closed losses cannot exceed 4% of your highest balance on $25,000 and $50,000 accounts, or 3% on $100,000. The limit applies in the evaluation and once you are funded.
Three ways traders breach without noticing
- Watching closed trades onlyBreaches are checked on equity. An open loss can end the account before you close it.
- Using your local midnightThe daily reference is taken at 00:05 UTC. In New York that is 8:05 pm the evening before, or 7:05 pm in winter.
- Forgetting that the floor movesOn 1-Phase and Break, a new high raises the floor. A good week can leave you less room than you think.
Source: Crypto Fund Trader FAQ, sections Evaluation process, Break and 3-Phase, read on 29 September 2026.
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