Paper, Challenge, and Funded Accounts Compared

You have three kinds of accounts on Funded with Flow: a free paper account for practice, a paid challenge account where you prove your skills, and a funded account where you earn real payouts. Here is how they differ.

Free Paper Trading

Every trader gets a free paper account by default, and no card is needed. It is a virtual practice account with no challenge rules, so it never fails and never liquidates. You can trade simulated stocks, futures, and multi leg options as much as you like while you learn the platform.

Your paper account includes a 7 day real time market data trial. After the trial, live data continues automatically when you have an active paid challenge or a standalone market data subscription. Start here from the Learn page or your Accounts page.

Challenge Accounts

A challenge, also called an evaluation, is a paid monthly plan where you trade to hit a profit target while staying inside the account rules. Pass, and you become funded. Real time market data is included on every paid tier.

The plans are Novice, Starter, Intermediate, and Committed, plus No Drawdown variants and an Instant Sim Funded option that skips the evaluation. The account size, profit target, loss limits, trading days, and other rules vary by plan, so check the exact live numbers on the Pricing page before you choose. Each plan card and your account details show the rules that apply to you.

Funded Accounts

A funded account is what you earn after passing an evaluation, and it is where payouts come from. Your profit split is 100 percent. Eligibility for each payout depends on the rules attached to your specific account, which typically include a minimum number of trading days, a minimum payout amount, identity verification, and an active subscription. You can review your terms and request a payout on the Payouts page.

Which One Should You Use

• New here or just exploring: stay on the free paper account.
• Ready to prove yourself and earn: start a challenge from your Accounts page.
• Already passed an evaluation: manage everything and cash out from the Payouts page.

Manage your subscription anytime on the Billing page. For account specific questions, email [email protected].