FundedNext Account Types: All 7 Models Compared for CFD & Futures (2026)

Tested firsthand: I've run FundedNext accounts on both the CFD and Futures sides, passed evaluations across multiple models, and withdrawn real money. What you're reading comes from live trading with their capital, not marketing copy or secondhand reviews.

This is the accounts pillar page covering all 7 FundedNext models. Each model has its own deep-dive linked below. For the full picture, read my complete FundedNext review. For the absolute latest, check FundedNext's website or their help center.

FundedNext offers 7 distinct account models as of April 2026: four on the CFD/Forex side (Stellar 2-Step, Stellar 1-Step, Stellar Lite, Stellar Instant) and three on the Futures side (Bolt Challenge, Rapid Challenge, Legacy Challenge). That's more variety than almost any other prop firm on the market right now.

I've traded multiple FundedNext models across both programs. Passed evals, failed evals, withdrew payouts, and learned which accounts actually match my trading approach versus which ones looked good on paper but didn't fit. The sheer number of options is a strength and a trap. A strength because there's genuinely something for every trading style. A trap because picking the wrong model wastes your entry fee and your time.

This page breaks down every model. I cover the rules, the pricing, who each one is built for, and where the hidden friction lives. Each model also has a dedicated deep-dive article linked throughout if you want the full breakdown on a specific account type.

How Many Account Types Does FundedNext Offer?

FundedNext runs two separate trading programs under one brand. The CFD side covers forex, indices, commodities, and crypto. The Futures side covers CME-listed contracts like ES, NQ, and crude oil. Each side has its own account models, rule sets, platforms, and payout structures.

CFD program (4 models):

• Stellar 2-Step
• Stellar 1-Step
• Stellar Lite
• Stellar Instant

Futures program (3 models):

• Bolt Challenge
• Rapid Challenge
• Legacy Challenge

The two programs share a brand, a dashboard, and a support team. But the rules don't overlap. Drawdown works differently. Holding rules are different. Even the platforms are separate. MT4/MT5 and cTrader for CFD. Tradovate and NinjaTrader for Futures.

What Is the FundedNext Stellar 2-Step?

The Stellar 2-Step is FundedNext's flagship CFD evaluation. It uses a standard two-phase structure: hit 8% in Phase 1, then 5% in Phase 2, with a minimum of 5 trading days per phase. Once funded, there's no profit target. You just trade and withdraw.

As of April 2026, the Stellar 2-Step is available in sizes from $6,000 to $200,000. Example pricing: $15K costs $119, $50K costs $299, $100K costs $549.

What makes this model stand out from the rest of the FundedNext lineup is the 15% challenge reward. When you pass both phases, FundedNext calculates 15% of the profit target and adds it to your first funded withdrawal. On a $50K account (8% Phase 1 target = $4,000), that's an extra $600 on top of your regular payout. No other FundedNext model offers this during evaluation.

The drawdown is static at 10% of initial balance. Daily loss limit sits at 5%. Both are balance-based, meaning they don't trail. You know your floor from day one.

Profit split starts at 80% and jumps to 90% if you qualify for FundedNext Pro (the scale-up program). Payouts happen every 14 days after a 21-day initial period.

I've found the Stellar 2-Step to be the most balanced option for traders who want a fair evaluation without extreme time pressure. The 5-day minimum is manageable, the targets aren't aggressive, and the static drawdown gives you room to take real setups without watching a trailing floor creep up behind you.

For the complete rules, pricing, and walkthrough, read my Stellar 2-Step deep-dive.

What Is the FundedNext Stellar 1-Step?

The Stellar 1-Step strips the evaluation down to a single phase. One shot. Hit 10% and you're funded. Minimum 2 trading days.

That speed comes with tighter risk parameters. The daily loss limit drops to 3% (vs 5% on the 2-Step), and the overall max drawdown shrinks to 6% (vs 10%). Both are static, balance-based. So you're working with a narrower margin for error.

As of April 2026, sizing matches the 2-Step: $6K to $200K. Pricing runs slightly higher than the 2-Step equivalents.

The profit split starts at 80%, same as the 2-Step. FundedNext added a 15% challenge reward to the 1-Step as well, but it doesn't pay out until your third funded withdrawal. That delay matters if you're comparing the two models head to head.

Payouts are faster on the 1-Step. Your first withdrawal is available immediately once you receive the funded account, and subsequent payouts come every 5 business days. That's the most frequent payout cycle in the FundedNext CFD lineup.

The 1-Step suits traders who are confident in their consistency and don't want to grind through two phases. But the 3% daily limit is tight. If you trade volatile sessions or hold through news, that limit can clip you fast. I've seen traders who breeze through 2-Step evaluations blow the 1-Step on day one because they didn't adjust for the tighter daily cap.

Full breakdown in my Stellar 1-Step deep-dive.

What Is the FundedNext Stellar Lite?

Stellar Lite is FundedNext's budget entry point for CFD trading. The cheapest tier starts at $32.99 for a $5,000 account. It still uses a two-phase evaluation (8% Phase 1, 4% Phase 2), but with some notable differences from the standard 2-Step.

As of April 2026, Stellar Lite sizes range from $5,000 to $200,000.

The daily loss limit is 4% (compared to 5% on the 2-Step). Max drawdown sits at 8% (compared to 10%). Both are static. Minimum 5 trading days per phase, same as the 2-Step.

The biggest tradeoff: no challenge reward. Unlike the Stellar 2-Step and 1-Step, you don't get the 15% bonus from your evaluation profit. The profit split is still 80% once funded, scaling to 90% with FundedNext Pro.

Stellar Lite also has its own add-on structure. You can remove the minimum trading days (+20% fee), get bi-weekly payouts from day one (+15% fee), or lock in a permanent 95% profit share (+30% fee). These add-ons are unique to Lite.

Payout schedule matches the 2-Step: 21 days before first withdrawal, then every 14 days.

This model works for traders who want to test the FundedNext system without a heavy financial commitment. The $32.99 entry fee for a $5K account is among the cheapest in the CFD prop firm space. But the tighter drawdown (8% vs 10%) and missing challenge reward mean it's genuinely a budget product, not just a cheaper version of the same thing.

Full breakdown in my Stellar Lite deep-dive.

What Is the FundedNext Stellar Instant?

The Stellar Instant skips evaluation entirely. You pay, you get a funded account, you start trading for real payouts. No phases. No profit target. No minimum trading days.

As of April 2026, Stellar Instant is available from $2,000 to $20,000. Pricing: $2K costs $59, $5K costs $149, $10K costs $299, $20K costs $599. Swap-free accounts cost 10% more.

The drawdown is a 6% trailing limit. No daily loss limit at all. The trailing drawdown starts at your initial balance minus 6% and follows your highest recorded balance upward. Once it reaches your starting balance, it locks permanently and stops trailing.

For example, on a $10,000 account: your initial floor is $9,400. If you grow the account to $10,600, the floor rises to $10,000. At that point, it locks. You can never breach below $10,000 again, but you also can't lose any of your starting capital.

The profit split starts at 70% for Tiers 1 and 2, then increases to 80% from Tier 3 onward. Scaling works differently too. Each time you hit 10% cumulative growth, the account adds your initial balance amount. A $10K account becomes $20K, then $30K, and so on up to $2 million.

No challenge reward. No evaluation phases. No consistency rule. Weekend holding is allowed. No news trading profit reduction in the evaluation (because there is no evaluation).

The catch: Stellar Instant is unavailable to US traders. It's also not available on MT4 or MT5 for larger sizes.

I think of Stellar Instant as a completely different product from the rest of the FundedNext CFD lineup. It's closer to an instant-funded model from firms like FTMO or The5ers than it is to the Stellar evaluation accounts. The trailing drawdown changes everything about how you manage risk.

Full breakdown in my Stellar Instant deep-dive.

What Is the FundedNext Bolt Challenge?

The Bolt Challenge is FundedNext's cheapest Futures entry. As of April 2026, it's only available at the $50,000 size, priced between $69.99 and $99.99.

Bolt is a one-phase evaluation. It's the only FundedNext Futures model that enforces a daily loss limit ($1,000 on the $50K account). It also applies the 40% consistency rule during both the challenge and funded phases. That consistency rule means your best single day can't exceed 40% of your profit target. If it does, the target automatically increases.

The daily loss limit on Bolt is a trailing EOD limit. It resets based on your highest end-of-day balance, not your starting balance. Hitting the daily limit triggers a soft breach: trading pauses for the day and resumes the next session.

What makes Bolt unique is the daily reward structure after you pass. Bolt FundedNext accounts can earn daily rewards with up to a 125x return on the challenge fee. That's up to $12,500 based on the $99.99 entry price.

The max loss limit during the challenge is $2,000 (trailing EOD). After passing, it stays at $2,000 for the funded account.

Bolt doesn't have the same contract limits as Rapid or Legacy. With just the $50K size available, it's a narrow product. But the entry price makes it the lowest barrier for Futures traders who want to test FundedNext.

Full breakdown in my Bolt Challenge deep-dive.

What Is the FundedNext Rapid Challenge?

The Rapid Challenge offers the most flexibility during the evaluation phase of any FundedNext Futures model. It has no consistency rule during the challenge. No 40% cap on single-day profits. Just hit the profit target and you're through.

As of April 2026, Rapid is available in $25K, $50K, and $100K sizes. Pricing: $25K costs around $90-100, $50K costs $199.99, $100K costs $279.

Profit targets are straightforward: $1,500 ($25K), $3,000 ($50K), $5,000 ($100K). Max loss limits: $1,000 ($25K), $2,000 ($50K), $2,500 ($100K). All trailing EOD.

There's no daily loss limit during the Rapid Challenge or the Rapid funded account. That alone sets it apart from Bolt.

The tradeoff: once you're funded, the 40% consistency rule kicks in. Your best day can't exceed 40% of the profit target. So the evaluation is loose, but the funded phase tightens up.

Profit split is 80% across all sizes. Minimum withdrawal starts at $250 for $25K/$50K accounts, $500 for $100K. For the first 4 withdrawals, payouts are capped ($800/$1,500/$2,500 depending on size). After your 5th withdrawal, caps disappear and you can withdraw 100% of profit at 80%.

Contract limits on Rapid are tighter than Legacy. A $50K Rapid Challenge allows 3 E-minis or 15 micros. Same size on Legacy allows 3 E-minis or 30 micros.

The Rapid Challenge is built for traders who can produce concentrated gains during evaluation but can adapt to consistency requirements once funded. If you tend to have a few big days followed by smaller ones, Rapid's evaluation phase won't punish that pattern. Just know that approach won't fly once you're trading the funded account.

Full breakdown in my Rapid Challenge deep-dive.

What Is the FundedNext Legacy Challenge?

The Legacy Challenge is FundedNext's most traditional Futures evaluation. It applies the 40% consistency rule during the challenge phase (not during funded trading), has a daily loss limit, and gives access to the Live Trading Program for traders who qualify.

As of April 2026, Legacy is available at $25K, $50K, and $100K. Pricing: $25K costs $79.99, $50K costs $149.99-159.99, $100K costs $249.99.

Profit targets: $1,250 ($25K), $3,000 ($50K, increased from $2,500 after March 16, 2026), $6,000 ($100K). Max loss limits: $1,000 ($25K), $2,000 ($50K, reduced from $2,500 after January 5, 2026), $3,000 ($100K).

The consistency requirement during evaluation means you can't slam through the target in one or two monster days. Your best day is capped at 40% of the profit target. On the $50K Legacy, that means no single day can exceed $1,200.

Once funded, that consistency rule drops off. Legacy FundedNext accounts have no consistency requirement. You just need to meet minimum Benchmark Days (5 days before first withdrawal with $200 minimum profit per day on the $50K) and generate enough profit between withdrawals.

Legacy FundedNext accounts also carry a 15% bonus on top of the standard 80% reward share for qualifying withdrawals.

The big differentiator: Legacy is the only FundedNext Futures model eligible for the Live Trading Program. Traders who accumulate $100,000 in Total Active Profits across all accounts can transition to live capital. Your simulated profits convert at 80%, with 50% available as an immediate cash withdrawal, 25% deposited into a live trading account (capped at $50K), and the rest held in reserve.

That live trading path doesn't exist on Bolt or Rapid. If your long-term goal is real capital and you're willing to grind through a consistency-gated evaluation, Legacy is the only Futures model that gets you there.

Full breakdown in my Legacy Challenge deep-dive.

Which FundedNext Account Type Should You Choose?

Picking the right account depends on three things: what you trade (CFD or Futures), how much risk you're comfortable with during evaluation, and what your payout expectations look like.

You want the safest evaluation with room for error

Go with Stellar 2-Step. The 10% static max drawdown and 5% daily limit give you the widest margin across all FundedNext models. Two phases means it takes longer, but each phase has realistic targets. The 15% challenge reward is a nice bonus.

You're confident and want to get funded fast

Stellar 1-Step on the CFD side. One phase, 2-day minimum, funded immediately on completion. Or Rapid Challenge on the Futures side, where you don't have to worry about consistency during evaluation.

You're testing the waters on a tight budget

Stellar Lite starts at $32.99. Bolt Challenge starts at $69.99 for Futures. Both are genuine low-cost entries, though Lite gives up the challenge reward and Bolt is locked to a single $50K size.

You don't want an evaluation at all

Stellar Instant is the only option. No phases, no targets, immediate funded access. You pay more per dollar of buying power, the trailing drawdown requires careful risk management, and the starting split is lower at 70%. But you skip the evaluation grind entirely.

You want a path to live capital

Legacy Challenge on the Futures side. It's the only FundedNext model connected to the Live Trading Program. The evaluation is harder (40% consistency rule), but the funded account has no consistency requirement and opens the door to real money.

You want maximum payout frequency

Stellar 1-Step pays out every 5 business days after the first withdrawal. Stellar Instant lets you request payouts anytime once tier requirements are met. On Futures, Bolt offers daily reward eligibility.

How Do All 7 FundedNext Account Types Compare?

This is the master comparison. Every model, side by side, on the metrics that matter.

A few things jump out from that table. The CFD models all use static drawdown except Stellar Instant. The Futures models all use trailing EOD drawdown. The consistency rule is scattered unevenly: it's absent on CFD, present during evaluation on Legacy and Bolt, present during funded on Rapid and Bolt, and absent from Legacy funded accounts. If you don't map out which phase the consistency rule applies to for each model, you're going to get surprised.

What Are the Key Differences Between FundedNext CFD and Futures Accounts?

Beyond the individual models, the two programs differ in fundamental ways that affect how you trade.

Drawdown type: CFD accounts (except Stellar Instant) use static, balance-based drawdown. Your floor never moves. Futures accounts use trailing EOD drawdown that creeps up as you profit. That trailing mechanic on Futures means you can't let a profitable account run into open drawdown the way you might on a static-drawdown CFD account.

Overnight and weekend holding: CFD challenge accounts allow both. Funded CFD accounts allow overnight but not weekend holding. Stellar Instant allows everything. All Futures accounts prohibit overnight holding. Every position must be flat before 3:10 PM CT.

News trading: CFD funded accounts reduce news trading profits by 60% during high-impact events (5 minutes before and after). Futures accounts have zero news restrictions.

Platforms: CFD runs on MT4, MT5, cTrader, and Match-Trader. Futures runs on Tradovate and NinjaTrader. No overlap. US traders on CFD can only use Match-Trader or cTrader.

Scale-up vs Live Trading: CFD accounts grow through FundedNext Pro (25% per qualifying cycle, up to $4M). Stellar Instant scales through tiers to $2M. The only Futures path to real capital is the Legacy-exclusive Live Trading Program.

These aren't subtle differences. They shape everything from your position sizing to your session timing to your long-term career trajectory at FundedNext.

Frequently Asked Questions

How Many Account Types Does FundedNext Offer in 2026?

FundedNext offers 7 account types as of April 2026. The CFD program has 4 models: Stellar 2-Step, Stellar 1-Step, Stellar Lite, and Stellar Instant. The Futures program has 3 models: Bolt Challenge, Rapid Challenge, and Legacy Challenge. Each model has its own evaluation structure, drawdown rules, and payout terms.

What Is the Cheapest FundedNext Account Type?

The cheapest FundedNext account is the Stellar Lite at $32.99 for a $5,000 CFD account. On the Futures side, the cheapest option is the Bolt Challenge starting at $69.99 for a $50,000 account. Stellar Lite sacrifices the 15% challenge reward and has tighter drawdown limits (8% vs 10%) compared to the Stellar 2-Step.

Which FundedNext Account Has the Highest Profit Split?

FundedNext's CFD accounts reach 90% profit split through the FundedNext Pro scale-up program (available on Stellar 2-Step, 1-Step, and Lite). The Stellar Lite also offers a permanent 95% profit share as a paid add-on (+30% of the account fee). Without add-ons or scale-up, the highest base split is 80% on most models, while Stellar Instant starts at 70%.

Does FundedNext Have a Consistency Rule on All Account Types?

No. FundedNext's consistency rule (the 40% rule) only applies to specific Futures models. The Bolt Challenge enforces it during both the challenge and funded phases. The Legacy Challenge enforces it during evaluation only. The Rapid Challenge enforces it during funded trading only. None of the four CFD models have a consistency rule.

Can You Trade Futures and CFD on the Same FundedNext Account?

No. FundedNext's CFD and Futures programs are completely separate. CFD accounts trade on MT4, MT5, cTrader, or Match-Trader. Futures accounts trade on Tradovate or NinjaTrader. You can hold accounts in both programs simultaneously, but each account is locked to its program. The rules, platforms, drawdown types, and payout structures don't overlap.

What Is the Maximum Account Size at FundedNext?

FundedNext's maximum starting account size is $200,000 on CFD (Stellar 2-Step, 1-Step, and Lite) and $100,000 on Futures (Rapid and Legacy). The maximum combined allocation across funded CFD accounts is $300,000 ($600,000 with the Double Up add-on). Through the FundedNext Pro scale-up, individual CFD accounts can grow to $4 million. Stellar Instant can scale to $2 million through its tier system.

Which FundedNext Account Type Is Best for Beginners?

FundedNext's Stellar 2-Step is the most forgiving option for beginners. It has the widest drawdown buffer at 10% static, a 5% daily loss limit, and realistic profit targets (8% Phase 1, 5% Phase 2). The two-phase structure means you don't need to nail everything in one shot. For budget-conscious beginners, Stellar Lite starts at $32.99 but comes with tighter risk limits.

Does FundedNext Offer an Instant Funded Account?

Yes. FundedNext's Stellar Instant model skips evaluation entirely. You pay the fee ($59 to $599 depending on size), receive a funded account immediately, and start trading for real payouts. The tradeoff is a 6% trailing drawdown (instead of static), a lower starting profit split (70%), and smaller maximum account sizes ($2K to $20K). Stellar Instant is not available to US traders.

What Platforms Does FundedNext Support Across Account Types?

FundedNext CFD accounts (Stellar 2-Step, 1-Step, Lite, Instant) support MT4, MT5, cTrader, and Match-Trader. FundedNext Futures accounts (Bolt, Rapid, Legacy) support Tradovate and NinjaTrader. US traders on CFD are restricted to Match-Trader or cTrader only. Accounts sized $100K and $200K on CFD are not available on cTrader or Match-Trader (except for US traders on Match-Trader).

Which FundedNext Futures Account Qualifies for Live Trading?

Only the FundedNext Legacy Challenge provides a path to the Live Trading Program. Traders who accumulate $100,000 in Total Active Profits across all FundedNext accounts become eligible. The Live Trading Program converts simulated profits to real capital, with a 50% immediate cash settlement, 25% deposited into a live account (capped at $50,000), and the remainder held in reserve. FundedNext's Bolt and Rapid Futures models do not qualify for live trading.

The bottom line: FundedNext gives you more account variety than almost any competitor, spanning both CFD and Futures. If you're a CFD forex or indices trader, the Stellar 2-Step is the safest starting point, Stellar 1-Step is the fastest, Stellar Lite is the cheapest, and Stellar Instant removes the evaluation entirely. If you trade Futures, Bolt is the cheapest entry, Rapid gives you the most freedom during evaluation, and Legacy is the only path to live capital. The right choice depends on your trading style, your budget, and whether you care about trailing versus static drawdown. Don't pick based on price alone. Pick based on which rule set you can actually trade within without blowing the account.