OFP Funding payout rules: 80% split, a 14-day cycle, and why survival — not a target — is the whole game
OFP Funding Classic (Instant) pays an 80% profit split on a 14-day cycle and has no profit target and no minimum trading days. With nothing to pass, only loss geometry ends the account: a 3% daily limit re-anchored each morning and a static 6% overall floor — both single-touch and permanent. The first-payout day is not published. Run your own book against the full Classic rule set in the free calculator at run your own book against OFP Funding — free.
OFP Funding's Classic (Instant) plan pays an 80% profit split on a 14-day cycle — and it has no profit target and no minimum trading days. That inversion is the whole story: there is nothing to pass, so the only thing that ever ends the account is loss geometry — a 3% daily limit re-anchored to each morning's balance, and a static 6% overall floor. Both are single-touch and permanent. Below: the terms, the per-size numbers, how the two limits interact, and the points OFP's own documents leave open.
The payout terms
| Field | Value |
|---|---|
| Profit split | 80% to the trader (base tier) |
| Payout cycle | every 14 days (biweekly) |
| First payout available after | Not published |
| Profit target | None — instant funding |
| Minimum trading days | 0 |
| Consistency requirement | Discretionary — see below |
Two honest qualifications belong next to that table. First, the 80% split is the base tier: OFP prices a 100% split as a paid upgrade at every account size, and it also sells a wider 5%/10% daily-and-overall risk pair alongside the 3%/6% pair modelled here — so a reader comparing quotes should confirm which configuration they are buying. Second, OFP's product record carries no fixed first-payout day count for the Classic plan, so we record that field as not published rather than quoting a number the source does not state. What the documentation does state plainly is the cadence once you qualify: withdrawals are available on a rolling 14-day cycle.
The numbers, by account size
Every Classic size shares the same shape — no target, a 3% daily loss limit, a static 6% overall drawdown, an 80% split and a 14-day cycle — and the two loss limits scale in lockstep with the account. The one-time fees below are for the modelled 3%/6% risk pair at the 80% base split; the 100% split and the 5%/10% pair are priced higher.
| Account | One-time fee | Daily loss limit (3%) | Static max drawdown (6%) | Profit split | Payout cycle |
|---|---|---|---|---|---|
| 5k | $35 | $150 | $300 | 80% | 14 days |
| 10k | $55 | $300 | $600 | 80% | 14 days |
| 25k | $90 | $750 | $1,500 | 80% | 14 days |
| 50k | $175 | $1,500 | $3,000 | 80% | 14 days |
| 100k | $335 | $3,000 | $6,000 | 80% | 14 days |
Each dollar limit is exactly the stated percentage of the account size — 3% for the daily line, 6% for the overall floor — and OFP's own per-size product data agrees at every row. Fees are the modelled 3%/6% pair at the 80% base split.
What actually ends an OFP Classic account
On a normal challenge the decisive question is can I reach the target before I breach? OFP Classic deletes the target, so that question has no meaning here. Nothing rewards you for a good week and nothing punishes a slow one; the account simply persists until a loss limit closes it. There are exactly two of them, and both share the same unforgiving property — a single breach ends the account permanently. No lockout that lets you resume tomorrow, no reset to flat, no second chance inside the account.
The daily limit. Each trading day you may lose up to 3% of that morning's balance. OFP states the formula directly: the daily loss line is the previous day's closing equity × 3%, and "if your equity drops below this limit at any point during the day, the challenge fails immediately." Two consequences follow. It is measured on equity, so an open position's floating loss can breach it — you do not have to close a trade to be closed. And because it re-anchors every morning, a winning day raises tomorrow's line and a losing day lowers it: the limit walks with your balance rather than sitting at a fixed level.
The overall floor. Underneath the daily limit sits a static 6% drawdown fixed at your starting balance — $47,000 on a $50,000 account. Unlike the daily limit, it "does not reset daily," and unlike a trailing-drawdown firm's floor, it does not chase your equity highs. It is a fixed line; a single touch, including from floating losses, closes the account for good.
How they interact. The daily limit is the tighter line on any single day — a $50,000 account can lose $1,500 in a day (3%) before the daily breach fires, well before cumulative losses of $3,000 (6%) would reach the overall floor. So the overall floor is not what stops one bad session; the daily limit is. The floor caps your total rope at 6%, while the daily limit paces how fast you are allowed to spend it. To ever reach the overall floor you must string together losing days, each stopped near its own daily line, until the cumulative 6% is gone.
Worked example — 50k account (illustrative)
- You start at $50,000. Today's daily line is 3% below, at $48,500; the overall floor is 6% below, at $47,000. The daily line is the one you can touch first.
- You have a good day and close at $51,500. Tomorrow's daily line re-anchors to 3% below $51,500 — about $49,955 — while the overall floor stays fixed at $47,000. Your room to the permanent floor has grown from $3,000 to $4,500.
- A rough session: you can bleed only to roughly $49,955 before the daily line closes you — not to $47,000. The daily limit, not the overall floor, caps a single day's damage.
- Both breaches are permanent. A single touch of either line — including from unrealised loss on an open trade — ends the account. There is no lockout and no reset; the profit you banked yesterday does not buy back the account today.
Question: when you bank profit on OFP Classic, does the drawdown floor rise to follow it, the way a trailing firm's does?
Answer: no — it does not chase your highs. The overall 6% floor is fixed at $47,000 (94% of a $50,000 start) and stays there until you take a payout, so profit walks you away from it, the opposite of a trailing-drawdown firm (dashed), where a new high drags the floor up behind you. Do not read that as forgiving: the account is still ended by the 3% daily line that re-anchors under you each morning, and by the fact that either line, once touched — even by a floating loss, even for an instant — closes the account permanently. Floor is sourced (6% of the account size); the balance path and the trailing-comparison line are illustrative. Horizon shown is before your first payout, the window OFP's own documents describe the floor as anchored to your starting balance.
What the documentation does not settle
OFP Funding's Classic plan is verified in our corpus, but two independent blind reads of OFP's own pages disagreed on five fields. The two that change the survival math come first.
Static or trailing? One read calls the overall drawdown static/fixed, another calls it trailing. They actually agree on the mechanic and differ only on the label: the floor does not move continuously with your equity highs — OFP describes it anchored to "your highest balance at the start of the period or after your last Reward [payout]." So it re-anchors upward only at a payout event, not with every high. We model it as static at the initial balance for the pre-first-payout horizon — the window the account occupies before any Reward — and flag the payout-triggered re-anchor as a documented gap our engine's schema cannot yet represent, not a data error.
Equity or closed balance? OFP's Help Center says the drawdown tests equity — "balance + open trades… even briefly" — so floating losses can breach it. A clause in OFP's Terms instead refers to "OFP Account balance," which read literally would exclude floating profit and loss. These conflict. We take the equity-inclusive reading, because a survival tool that assumed only closed losses count would under-count real breaches — the unsafe direction — and OFP's own worked example uses the equity wording.
Consistency. No numeric consistency threshold is published for the Classic plan, so we do not model one — but nor do we claim there is no rule. OFP's own trading-rules prose states that if "most of your gains come from one single day or trade while the rest of your trading is unprofitable… payouts may be withheld," a discretionary payout condition with no stated percentage. Classic's product record also carries an unexplained internal maxScore:20 field with no page text defining it. Treat consistency as a discretionary payout risk you cannot precisely size from the documentation, not an absent one.
Minimum days, and the daily reset clock. Two smaller gaps. A sibling "Instant Plus" table shows a 5-day minimum, but that describes a different tier; Classic's own record reads zero minimum trading days, which is the value we carry. And the daily-loss snapshot is taken at "midnight GMT+2," which — depending on daylight-saving time — is either 22:00 or 21:00 UTC; we carry the standard-time reading (22:00 UTC), matching how this corpus already treats the same clock ambiguity for other firms.
See how long you survive — before you pay for the account
Because OFP Classic has no target, "will it work" is entirely a survival question. Enter win rate, average R and risk size — or import a trade CSV — and the free simulator applies OFP Funding's full published Classic rule set together: the 3% daily limit re-anchored each day, the static 6% floor, and floating-P&L breaches, so you see your real odds of reaching the 14-day payout cycle rather than one limit in isolation.
Run OFP Funding in the simulator — freeWhat is OFP Funding's profit split and how often does it pay out?
On the Classic (Instant) plan, the base profit split is 80% to the trader, and payouts are available on a 14-day (biweekly) cycle. A 100% split is a separately-priced paid upgrade. OFP does not publish a fixed minimum number of days before the first payout for this plan, so we record that field as not published rather than inventing a figure.
Does OFP Funding's Classic plan have a profit target or minimum trading days?
No. In OFP's own server-rendered product record the Classic (Instant) plan carries no profit target and a zero minimum-trading-days requirement — it is instant funding, with nothing to pass. Note that OFP's sibling Instant tiers are not all zero-evaluation: the Instant Lite tier carries a real 5% profit target and a 5-day minimum, and the Instant Plus tier carries a 5-day minimum, despite sharing the Instant name.
What actually ends an OFP Funding Classic account?
With no profit target, only loss limits end the account, and each is a single-breach permanent closure: a 3% daily loss measured from the previous day's closing equity with floating profit and loss included, and a static 6% overall drawdown fixed at your starting balance. There is no lockout and no reset — one touch closes the account for good.
Is OFP Funding's maximum drawdown trailing or static?
The labeling is contested between OFP's own documents, but they agree on the mechanic: the floor does not trail your intraday or daily equity highs the way a trailing-drawdown firm's does. OFP's Help Center describes it re-anchoring upward only at a payout (Reward) event. PropSurvival models it as static at the initial balance for the pre-first-payout horizon and flags the payout re-anchor as a documented gap rather than asserting a clean label.
Does unrealized (floating) profit and loss count toward OFP's drawdown?
Per OFP's Help Center, yes: if your equity — balance plus open trades — falls below the threshold, the account is closed immediately, even briefly. A clause in OFP's Terms instead refers to OFP Account balance, which read literally would exclude floating profit and loss. PropSurvival takes the equity-inclusive reading as the safe one and flags the conflict rather than resolving it silently.
- OFP Funding — Instant Funding pricing & server-rendered product data: ofpfunding.com/pricing
- OFP Funding Help Center — "What is the Daily Drawdown and how is it calculated?": help.ofpfunding.com
- OFP Funding Help Center — "What is the Maximum Drawdown and how can I avoid hitting it?": help.ofpfunding.com
- OFP Funding Help Center — "What are the trading rules every OFP trader must follow?": help.ofpfunding.com
- OFP Funding — Terms & Conditions: ofpfunding.com/terms-and-conditions
Rules change without notice; the firm's own documentation is always the final authority. This page is independent research, not investment or trading advice, and PropSurvival is not affiliated with, endorsed by, or sponsored by OFP Funding.