NEOMAAA Funded 1-Step vs 2-Step: Which Evaluation Wins? (2026)

Currently testing: I signed up for NEOMAAA Funded and started trading their accounts alongside my Lucid Trading and TakeProfitTrader setups. No payouts yet, but the onboarding was smooth and the trading conditions feel professional. What you're reading comes from active account usage, not marketing material.

If you want to compare all seven NEOMAAA Funded account types side by side, including Origin vs Prime pricing, profit targets, and which one fits your trading style, read my complete NEOMAAA Funded account types breakdown. For the absolute latest, check NEOMAAA Funded's website or their help center.

NEOMAAA Funded gives you two evaluation paths to a funded account: 1-Step and 2-Step. Both are available in the Origin and Prime product lines. Each path has different profit targets, drawdown rules, and pricing.

The question every trader asks: which one is better for me?

I've traded both formats on NEOMAAA Funded. The answer depends entirely on your trading style, risk tolerance, and how much you want to spend per attempt. Neither is universally better. But one is almost certainly a better fit for your specific situation.

Here's the full side-by-side breakdown.

The Complete Comparison: 1-Step vs 2-Step

Let's start with everything on the table. These are $100K MT5 base prices:

The numbers reveal interesting trade-offs. Let me break down what they actually mean for your trading.

Profit Target Analysis: 10% Single vs Split Phases

1-Step: Hit 10% in one shot. You start trading, and you need to grow the account by $10,000 (on $100K) before violating any drawdown limits. There's no checkpoint. You either make it or you don't.

2-Step Origin: Hit 6%, then 6%. Phase 1 requires $6,000 in profit. After passing, you get a fresh Phase 2 account where you need another $6,000. The combined target is 12%, which is higher than the 1-Step's 10%.

2-Step Prime: Hit 8%, then 5%. Phase 1 is more demanding at $8,000, but Phase 2 is lighter at $5,000. The combined total is 13%, the highest across all four options.

The math seems to favor 1-Step. Why would you choose to earn 12-13% total when you could earn 10%?

Because each phase resets your drawdown. That's the critical detail.

When you pass Phase 1 of a 2-Step, your Phase 2 account starts with a fresh drawdown buffer. You're not carrying over any drawdown erosion from Phase 1. If you made $6,000 in Phase 1 but your trailing drawdown moved up by $4,000 during the process, Phase 2 gives you a clean slate.

The 1-Step doesn't offer that reset. If you're at $7,000 in profit but your trailing drawdown has followed you up, you have less room to maneuver on your way to $10,000.

Drawdown Comparison: The Hidden Advantage of 2-Step

The drawdown differences are where the 2-Step gains real mechanical advantages:

The target-to-drawdown ratio tells you how aggressive you need to be. Lower is better for the trader.

The 2-Step Origin Phase 1 has a 0.75 ratio: you need to earn 6% with 8% of room. That's very manageable. Compare that to the 1-Step Origin's 1.43 ratio, where you need to earn 10% with only 7% of buffer.

The 1-Step Prime is the most demanding at a 2.0 ratio. You need to earn 10% with only 5% trailing drawdown. That means you're essentially trying to earn twice your available drawdown buffer. One significant loss can make the target mathematically difficult to reach.

The 2-Step Prime Phase 2 has the most favorable ratio at 0.63. You need just 5% with 8% of room. That's a comfortable cushion.

Pricing Analysis: Cost Per Attempt

The sticker price is just the starting point. What matters is the cost per attempt when you factor in resets.

NEOMAAA Funded offers a 15% discount on reset fees. So your second and third attempts cost less than the first.

The 2-Step Origin is the cheapest path at $485 initial and ~$412 per reset. Over three attempts, you're spending $1,309 total. The most expensive is the 1-Step Prime at $1,728 for three attempts.

But raw cost isn't the whole picture. You need to factor in pass rates.

Success Rate Considerations

Nobody publishes verified pass rates, but we can reason about them based on the mechanics.

1-Step evaluations require a larger single-phase profit target (10%). The probability of achieving a 10% gain before hitting a 5-7% drawdown is lower than achieving a 6% gain before hitting an 8% drawdown.

2-Step evaluations have two failure points. You need to pass Phase 1, then pass Phase 2. Even if each phase has a higher individual pass rate than the 1-Step, the combined probability is the product of both. If Phase 1 pass rate is 40% and Phase 2 pass rate is 50%, the combined pass rate is 20%.

Here's the tension: each individual 2-Step phase is easier than the 1-Step. But you have to pass both. And if you fail Phase 2, you restart from Phase 1.

My rough estimate based on the mechanics:

• 1-Step Origin: Perhaps 15-20% pass rate (10% target vs 7% drawdown is tight)
• 2-Step Origin: Perhaps 12-18% combined pass rate (each phase individually ~35-45%)
• 1-Step Prime: Perhaps 10-15% pass rate (10% target vs 5% drawdown is very tight)
• 2-Step Prime: Perhaps 15-20% combined pass rate (Phase 2 at 5% target is very manageable)

These aren't official numbers. They're my estimates based on the mathematical relationship between targets and drawdown limits. The actual pass rates depend heavily on the trader's skill, strategy, and risk management.

Time Pressure Analysis

All four evaluation types have no time limit on the $100K accounts. This is a significant advantage that NEOMAAA Funded offers across the board.

No time limit means you can:

• Take days off when the market isn't presenting setups
• Reduce position size during choppy conditions
• Wait for high-probability trades instead of forcing entries
• Recover from losses without the clock working against you

There are also no minimum trading days during evaluation. You could technically pass in a single trading day if you hit the profit target. On the funded side, 5 effective trading days are required before your first payout, but that doesn't affect the evaluation process.

The absence of time pressure changes the calculus between 1-Step and 2-Step significantly. With no deadline, the 2-Step's requirement to pass two phases is less burdensome. You can take three months on Phase 1 and another three months on Phase 2 without penalty. The patience factor favors the 2-Step.

Who Should Choose 1-Step?

The 1-Step evaluation makes sense for specific trader profiles:

Aggressive short-term traders. If your strategy produces 10%+ returns in a matter of weeks (momentum trading, breakout systems), the single-phase format lets you get funded faster. No need to reset for Phase 2 after passing Phase 1.

Traders who hate starting over. With 2-Step, failing Phase 2 sends you back to Phase 1. Psychologically, that can be brutal. If you passed Phase 1 in six weeks and then fail Phase 2, you've lost that Phase 1 progress. The 1-Step eliminates that risk because there's only one gate.

High win-rate, high R-multiple traders. If you typically win big when you win (3:1 or better risk-reward), you can reach 10% with fewer trades. The higher target is less of an obstacle when individual winners are large.

Budget-conscious traders who want to minimize total phases. Fewer phases = fewer chances to fail. If your pass rate per phase is the same regardless, fewer phases means a higher overall completion rate.

Who Should Choose 2-Step?

The 2-Step makes sense for a different set of traders:

Conservative, consistent traders. If you make 1-2% per month steadily, hitting 6% is much more realistic than hitting 10% in a single run. The split target matches a steady-growth approach.

Traders who need drawdown room. The 2-Step gives you 8% trailing drawdown vs 7% (Origin) or 5% (Prime) on the 1-Step. That extra buffer is the difference between surviving a bad week and blowing the account.

Swing traders. The wider drawdown on 2-Step accounts absorbs overnight gaps better. If you hold positions overnight (which is allowed on both Origin and Prime), the extra 1-3% of drawdown room matters.

Price-sensitive traders. The 2-Step Origin is $111 cheaper than the 1-Step Origin ($485 vs $596). Over multiple attempts, that adds up. If it takes you 4 attempts to pass, you've saved $444 on the 2-Step path.

Traders with inconsistent performance. If you have great months and terrible months, the 2-Step's split targets are more forgiving. Making 6% in a good month is easier than making 10%.

Origin vs Prime: The Other Decision

Within each evaluation type, you also need to choose between Origin and Prime. This affects your funded experience more than the evaluation itself.

Origin is cheaper and has a longer payout cycle (30 days). Prime costs more but pays out every 14 days. If cash flow matters to you, Prime's bi-weekly payouts are worth the premium.

The drawdown differences between Origin and Prime depend on whether you go 1-Step or 2-Step. The 1-Step Prime has the tightest drawdown in the lineup (5% trailing, 3% daily). The 2-Step Prime has the most generous daily drawdown (5%) with a solid 8% trailing.

Cost-Per-Funded-Account Math

Let's calculate what it actually costs to get funded assuming different pass rates. This is the number that matters for your ROI:

Note: Pass rates are estimated based on mechanical analysis of target-to-drawdown ratios. Individual results vary widely based on strategy, experience, and discipline.

The 2-Step Prime comes out surprisingly well in this analysis. Despite the higher combined target (13%), the generous drawdown (8% trailing, 5% daily) and lower per-phase targets make each phase more passable. The cost-per-funded-account math works in its favor.

The 1-Step Prime is the most expensive path when you factor in its low estimated pass rate. That 5% trailing / 3% daily drawdown makes the 10% target extremely difficult to reach.

The W35 Promo Impact

NEOMAAA Funded's current promo code W35 gives you 35% off plus BOGO (buy one, get one). That dramatically changes the math:

With W35 applied to the 2-Step Origin:

• Base: $485
• After 35% off: ~$315
• BOGO: You get two accounts for $315

That's $157.50 per $100K evaluation attempt. At that price, even with a 15% pass rate, your average cost to get funded drops to roughly $1,050. That's exceptional value.

The promo makes every account type more attractive, but it has the biggest impact on accounts where you might need multiple attempts. If you expect to need 5+ tries to pass, the discount and BOGO compound into significant savings.

My Personal Choice and Why

I went with the 2-Step Origin for my primary NEOMAAA Funded challenge. Here's my reasoning:

1. Cheapest base price ($485) means lower cost per attempt
2. 8% trailing drawdown gives me room for overnight holds and drawdown recovery
3. 6% target per phase matches my consistent 2-3% monthly return profile
4. No time limit lets me wait for high-probability setups without pressure
5. 30-day payout is slower than Prime, but I'm not dependent on this account for cash flow since I also trade TakeProfitTrader and Lucid Trading

If I were choosing today purely for the fastest cash flow and I had confidence in my short-term trading, I'd consider the 2-Step Prime for its 14-day payout cycle and 5% daily drawdown buffer. But the 2-Step Origin's combination of low price and wide drawdown fits my current multi-firm portfolio approach.

The Decision Framework

Use this framework to choose:

Choose 1-Step Origin if: You're a confident trader who can hit 10% in a few weeks, you want the simplest path with one phase, and you're comfortable with 7% trailing drawdown. Good balance of difficulty and cost.

Choose 2-Step Origin if: You're budget-conscious, prefer steady growth over home runs, swing trade or hold overnight, and want the widest drawdown at the lowest price. Best value for most traders.

Choose 1-Step Prime if: You're an experienced day trader with tight risk management, you value 14-day payouts over drawdown room, and you're confident you can hit 10% without needing 5%+ of trailing buffer. Hardest evaluation but fastest funded payouts.

Choose 2-Step Prime if: You want fast payouts once funded, you're a capable trader who can handle 8% then 5% targets, and you appreciate the 5% daily drawdown buffer. Best drawdown-to-target ratio in Phase 2.

The Bottom Line

The 2-Step Origin is the best value for most traders entering NEOMAAA Funded. It has the lowest price, widest drawdown, and most manageable per-phase targets. The trade-off is a higher combined target (12% vs 10%) and a slower 30-day payout cycle once funded.

If faster payouts matter more than cost, the 2-Step Prime offers bi-weekly withdrawals with strong drawdown limits. And if you just want one clean shot at getting funded with no Phase 2 risk, the 1-Step Origin balances difficulty and price.

The 1-Step Prime is the hardest path. Only choose it if you're confident in your ability to generate 10% returns with just 5% of trailing room and 3% daily drawdown.

Whichever you choose, the W35 promo code turns every option into a significantly better deal. Use it.

Frequently Asked Questions

What's the main difference between NEOMAAA Funded 1-Step and 2-Step?

The 1-Step evaluation has a single phase with a 10% profit target. The 2-Step splits the evaluation into two phases with lower individual targets (6%/6% for Origin, 8%/5% for Prime). The 2-Step has a higher combined target but offers wider drawdown limits and a fresh drawdown buffer when Phase 2 starts.

Which NEOMAAA Funded evaluation is cheapest?

The 2-Step Origin is the cheapest at $485 for a $100K account. The 1-Step Origin costs $596, the 2-Step Prime costs $560, and the 1-Step Prime is the most expensive at $640. With the W35 promo code (35% off + BOGO), the 2-Step Origin drops to roughly $315 for two accounts.

Is there a time limit on NEOMAAA Funded evaluations?

No. All four evaluation types (1-Step Origin, 2-Step Origin, 1-Step Prime, 2-Step Prime) have no time limit on the $100K accounts. You can take as long as you need to reach the profit target. There are also no minimum trading days during the evaluation phase.

What happens if I fail Phase 2 of the 2-Step evaluation?

If you fail Phase 2, you restart from Phase 1. Your Phase 1 progress does not carry over. You need to pay a reset fee (15% discount from the original price) and pass both phases again. This is the main risk of the 2-Step format versus the single-phase 1-Step.

Which evaluation type has the most favorable drawdown?

The 2-Step evaluations offer 8% trailing drawdown on both Origin and Prime. This is the widest across the lineup. The 1-Step Origin has 7% and the 1-Step Prime has only 5%. For daily drawdown, the 2-Step Prime leads with 5%, while the 1-Step Prime is tightest at 3%.

Does the profit split differ between 1-Step and 2-Step accounts?

No. The profit split range is 70-90% across all four evaluation types. The split you receive depends on your performance and scaling tier, not on whether you passed through a 1-Step or 2-Step evaluation. Once funded, the accounts function identically within their product line (Origin or Prime).

Can I switch from a 1-Step to a 2-Step evaluation?

You can't convert an active 1-Step evaluation into a 2-Step or vice versa. If you've started a 1-Step and want to try the 2-Step format, you'd need to purchase a separate 2-Step account. You can run both simultaneously under the same profile.

What's the reset fee for failed evaluations?

NEOMAAA Funded offers a 15% discount on reset fees. For a 2-Step Origin ($485 base), the reset fee is approximately $412. For a 1-Step Origin ($596 base), it's roughly $507. This discount applies to every retry, making multiple attempts more affordable.

Which evaluation is best for swing traders?

The 2-Step Origin or 2-Step Prime are best for swing traders due to their 8% trailing drawdown. The wider drawdown absorbs overnight and weekend gaps better than the 1-Step's 5-7%. The 2-Step Prime also offers 5% daily drawdown, providing extra room for gap absorption on any single day.

How does the W35 promo code affect the evaluation pricing?

The W35 code gives 35% off the evaluation price plus a BOGO (buy one, get one free). Applied to the 2-Step Origin ($485), you pay roughly $315 and receive two evaluation accounts. That's approximately $157.50 per $100K evaluation attempt, making it one of the most affordable funded account evaluations in the prop trading industry.