TradeDay Profit Split Explained: 80% to 95% Breakdown

You passed your TradeDay evaluation and now you're making money on a funded account. You earned $3,000 in profit this month. So how much actually hits your bank account when you request a payout?

Most traders assume the profit split is simple: "80% means I keep $2,400 and TradeDay keeps $600." But that's not how TradeDay's system works. The split isn't flat — it's tiered based on your cumulative earnings across all your funded accounts combined. And the first $10,000 you earn has a special bonus structure that most traders don't even know about.

Quick heads-up: This article is based on my real experience with TradeDay and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check TradeDay´s website or their faq page.

I thought I understood the profit split until I got my third payout and realized the percentage had changed. Nobody explained that the 80% was just the starting tier, not a permanent rate. Once I hit certain thresholds, my split improved to 90% and eventually 95%.

This is your complete breakdown of TradeDay's profit split structure. How the tiers work, what you actually keep at each level, how cumulative earnings are tracked, and how to maximize your take-home by understanding the system.

The Tiered Profit Split System

TradeDay doesn't use a flat percentage. Your profit split improves as you earn more money across all your funded accounts combined over your entire trading history with them.

The Five Tiers

Here's the complete structure:

Tier 1 - First $10,000 Earned (Cumulative):

• You keep: 100% (yes, one hundred percent)
• TradeDay keeps: 0%
• This is their "trader incentive" tier added in 2024

Tier 2 - $10,001 to $25,000 Earned:

• You keep: 80%
• TradeDay keeps: 20%

Tier 3 - $25,001 to $50,000 Earned:

• You keep: 90%
• TradeDay keeps: 10%

Tier 4 - $50,001 to $100,000 Earned:

• You keep: 92.5%
• TradeDay keeps: 7.5%

Tier 5 - $100,001+ Earned:

• You keep: 95%
• TradeDay keeps: 5%

These thresholds are based on your total cumulative profit earned on all funded accounts since you started with TradeDay, not per-account or per-month.

How Cumulative Tracking Works

TradeDay tracks your lifetime earnings across everything:

Example timeline:

• Month 1: Earn $4,000 on Account A → Cumulative: $4,000 (Tier 1, keep 100%)
• Month 2: Earn $3,500 on Account A → Cumulative: $7,500 (still Tier 1, keep 100%)
• Month 3: Earn $5,000 on Account A → Cumulative: $12,500 (crossed into Tier 2 mid-month)
• Month 4: Pass second evaluation, earn $2,000 on Account B → Cumulative: $14,500 (Tier 2)

Your dashboard shows your cumulative total and current tier at all times.

Real Examples: What You Actually Keep

Let's run through realistic scenarios with actual dollar amounts.

Example 1: First Month Funded (Tier 1)

You passed your evaluation and you're trading your first funded account.

Month 1 trading:

• Make $3,200 profit
• Your cumulative: $3,200 (well within Tier 1's $10K limit)

Payout calculation:

• Tier 1 rate: 100%
• You receive: $3,200 × 1.00 = $3,200
• TradeDay keeps: $0

You keep every dollar of your first $10K. This is huge — most prop firms start taking their cut from dollar one.

Example 2: Third Month Funded, Crossing Tiers

You've been funded for a while and you're approaching the Tier 1 limit.

Previous earnings: $9,200 cumulativeThis month: Make $2,800 profit

Payout calculation:You earned $2,800, but $800 of it pushes you over the $10K Tier 1 limit. So it splits:

• First $800 at Tier 1 (100%): $800 × 1.00 = $800
• Remaining $2,000 at Tier 2 (80%): $2,000 × 0.80 = $1,600
• You receive: $2,400
• TradeDay keeps: $400
• Your new cumulative: $12,000

The tier transition happens automatically. TradeDay's system calculates it for you — you don't need to do the math manually.

Example 3: Established Trader in Tier 3

You've been trading for 6 months across two funded accounts.

Cumulative so far: $32,000This month: Make $4,500 total across both accounts

Payout calculation:

• You're solidly in Tier 3 (the $25K-50K range)
• Tier 3 rate: 90%
• You receive: $4,500 × 0.90 = $4,050
• TradeDay keeps: $450
• Your new cumulative: $36,500

At this level, you're keeping 90% of everything you make. The 80% tier is behind you.

Example 4: Crossing Into Tier 5 (95%)

You've been crushing it for months.

Cumulative so far: $97,000This month: Make $8,000 across three funded accounts

Payout calculation:You earned $8,000, but $3,000 of it is in Tier 4 and $5,000 crosses into Tier 5:

• First $3,000 at Tier 4 (92.5%): $3,000 × 0.925 = $2,775
• Remaining $5,000 at Tier 5 (95%): $5,000 × 0.95 = $4,750
• You receive: $7,525
• TradeDay keeps: $475
• Your new cumulative: $105,000

Now you're at 95% forever. Every future payout gives you 95% and TradeDay keeps only 5%.

The Power of the First $10K at 100%

This is TradeDay's biggest competitive advantage over other prop firms.

Why It Matters

Most prop firms take their cut from day one. TradeDay gives you a free $10,000 where you keep everything.

Comparison:

• TradeDay: First $10K earned = you keep $10,000
• Most competitors: First $10K earned = you keep $8,000-9,000 (they take 10-20% immediately)

That's an extra $1,000-2,000 in your pocket just for earning your first $10K with TradeDay instead of competitors.

How Long It Takes to Hit $10K

Scenario A - Conservative Trader:

• $1,500/month average per funded account
• Timeline: ~7 months to hit $10K
• You keep: Full $10,000

Scenario B - Aggressive Trader:

• $3,000/month average per funded account
• Timeline: ~3 months to hit $10K
• You keep: Full $10,000

Scenario C - Multiple Accounts:

• Two funded accounts making $1,500/month each = $3,000/month combined
• Timeline: ~3 months to hit $10K
• You keep: Full $10,000

The faster you earn, the faster you get through the 100% tier and start building toward the higher splits at 90% and 95%.

How Multiple Accounts Affect Your Split

If you have multiple funded accounts, earnings combine toward your cumulative total.

Example: Two Funded Accounts

Month 4 of trading:

• Account A: Earn $1,800 this month
• Account B: Earn $2,200 this month
• Combined: $4,000 earned this month

Cumulative before this month: $18,000New cumulative: $22,000

Payout calculation:

• You're in Tier 2 (the $10K-25K range)
• Split: 80%
• You receive: $4,000 × 0.80 = $3,200
• TradeDay keeps: $800

The accounts are tracked separately for trading purposes (separate drawdown limits, separate position limits) but combined for profit split calculation.

Strategic Implication

Having multiple accounts doesn't change your profit split percentage. Whether you earn $4,000 on one account or $2,000 each on two accounts, you're at the same tier and the same percentage.

But multiple accounts help you scale faster, which means you climb through the tiers faster and reach 95% sooner.

Comparison to Other Prop Firms

Here's how TradeDay's split stacks up against competitors.

Key takeaway: TradeDay's 100% first-tier is unique. Most competitors start at 80-90% from day one.

Apex has a path to 100%, but their evaluation fees are higher and their rules are stricter. TradeDay's combination of reasonable fees + 100% first tier + path to 95% is very competitive.

Common Misconceptions About the Split

Here are the misunderstandings I see constantly.

Misconception #1: "80% Means I Always Keep 80%"

Wrong. 80% is just Tier 2. You start at 100% for your first $10K, then drop to 80%, then climb to 90% and eventually 95%.

The 80% tier is temporary. If you keep trading and earning, you move past it.

Misconception #2: "Each Account Has Its Own Split Tier"

Wrong. The split tier is based on YOUR cumulative lifetime earnings across all accounts combined.

You don't have one account at 80% and another at 90%. All your accounts are at whatever tier your cumulative total puts you in.

Misconception #3: "The Split Resets Every Year"

Wrong. Your cumulative earnings never reset. Once you've earned $50,000 total and you're at 92.5%, you stay there forever. It doesn't reset to 80% on January 1st.

The only way your cumulative total goes down is if TradeDay changes their policy (unlikely) or you close all accounts and start completely fresh years later (your history might reset, but this is unclear).

Misconception #4: "I Can Negotiate a Better Split"

Wrong. The split tiers are fixed for all traders. You can't email support and ask for 85% instead of 80%.

The only way to improve your split is to earn more and move up the tiers naturally.

Misconception #5: "Evaluation Progress Counts Toward Cumulative"

Wrong. Your cumulative earnings only start tracking once you're funded. Profit you made during evaluation doesn't count.

Example:

• You passed eval with $2,700 profit
• You get funded and start at $0 cumulative
• Your first funded trade that makes $500 = your cumulative is now $500, not $3,200

Strategic Implications of the Tiered System

Understanding the split tiers affects how you approach funded trading.

Strategy #1: Push to Get Out of Tier 2 Quickly

The 80% tier ($10K-25K cumulative) is the worst one. You want to get through it fast.

How to accelerate:

• Trade aggressively early (within your risk limits)
• Add second funded account as soon as you pass another evaluation
• Don't take long breaks during Tier 2

Once you hit $25K cumulative and jump to 90%, you're keeping $900 instead of $800 per $1,000 earned. That's a 12.5% raise on your effective income.

Strategy #2: The First $10K Is Your Runway

The 100% first tier is your chance to build capital without giving TradeDay a cut.

Use it wisely:

• Withdraw regularly during this phase (lock in that 100%)
• Don't blow your funded account trying to speed-run
• Build consistent income habits that carry into later tiers

If you earn $10K over 6 months with zero blown accounts, you've built sustainable income. If you burn through 3 funded accounts trying to hit $10K in 3 weeks, you've wasted money.

Strategy #3: Multiple Accounts Compound Your Progress

Two accounts earning $1,500/month each = $3,000/month combined.

Timeline to 95% (Tier 5):

• One account: ~33 months at $3,000/month to reach $100K cumulative
• Two accounts: ~17 months at $6,000/month combined to reach $100K cumulative

More accounts = faster tier progression = higher effective income sooner.

But don't add accounts faster than you can manage them. Two well-managed accounts beat three accounts you're overtrading.

For details on running multiple accounts, see the multiple accounts policy.

How the Split Is Applied to Payouts

Let's walk through exactly what happens when you request a withdrawal.

Payout Request Process

Step 1: You request a payout from your TradeDay dashboard

• You have $4,000 buffer (profit above your starting balance)
• You request to withdraw $3,500 (keeping $500 as cushion)

Step 2: TradeDay calculates your split

• Checks your cumulative earnings
• Determines which tier(s) apply
• Calculates your net payout after split

Step 3: Payment is sent to Riseworks

• You receive your percentage (80-95% depending on tier)
• TradeDay keeps their percentage

Step 4: Money hits your bank/wallet

• 3-5 business days for wire transfers
• 1-3 days for crypto

For complete payout details, see the payout policy guide.

Example Payout Flow

Your status:

• Cumulative earnings: $28,000 (Tier 3 = 90% split)
• Current buffer: $5,200
• You request: $4,000 withdrawal

Calculation:

• $4,000 × 0.90 = $3,600 to you
• $4,000 × 0.10 = $400 to TradeDay
• Your Riseworks account receives: $3,600
• Your new cumulative: $32,000
• Your remaining buffer: $1,200

The split happens automatically. You don't need to calculate anything — just request the withdrawal and you'll receive the correct amount based on your tier.

Maximizing Your Take-Home

Here are tactics to optimize your profit split.

Tactic #1: Withdraw Frequently Once You Hit 90%+

Once you're at Tier 3 or higher (90%+ split), withdraw regularly.

Why: You're keeping 90-95% of everything. Lock it in. Don't leave $10K sitting in your funded account "just because" — one bad trading week could blow the account and you lose that profit.

Recommended: Withdraw every 7-14 days once you're at 90%+ tier.

Tactic #2: Don't Rush Through Tier 1

The first $10K you keep 100%. Take your time and trade well.

Bad approach: "I want to speed-run to 95% so I'm going to trade super aggressively"

• Result: You blow accounts, reset multiple times, never actually build the $10K

Good approach: "I'm going to trade conservatively and build sustainable profit"

• Result: You steadily earn the $10K over 6-9 months, keeping every dollar

Tactic #3: Track Your Tier Progress

Set milestone reminders:

• $5,000 cumulative (halfway through Tier 1)
• $10,000 cumulative (entering Tier 2)
• $25,000 cumulative (entering Tier 3 at 90%)
• $50,000 cumulative (entering Tier 4 at 92.5%)
• $100,000 cumulative (entering Tier 5 at 95%)

Celebrate each milestone. You're not just earning money — you're permanently improving your profit split for all future earnings.

Tactic #4: Consider Account Velocity vs Split Tier

Sometimes it makes sense to add more accounts even though you're giving up some profit to the split.

Example math:

• One account earning $3,000/month at 90% split = $2,700 take-home
• Two accounts earning $5,000/month combined at 80% split = $4,000 take-home

Even though the split is worse (80% vs 90%), you're making more total money ($4,000 vs $2,700).

Don't obsess over reaching 95% if adding accounts at 80% split generates more absolute income.

Frequently Asked Questions

Does the split apply during evaluation?

No. During evaluation, you're not earning real money yet. The profit split only applies once you're funded and requesting payouts.

If I have two funded accounts, do they each have separate cumulative totals?

No. All your funded accounts feed into one cumulative total tracked by TradeDay. It's YOUR cumulative, not per-account.

What if I close a funded account? Does that reduce my cumulative?

No. Your cumulative lifetime earnings stay at whatever level they reached. Closing an account doesn't erase the profits you already earned and withdrew from that account.

Can I see my exact cumulative total in my dashboard?

Yes. TradeDay's dashboard shows your cumulative earnings and current tier. Check it anytime.

What happens if TradeDay changes the split structure?

They could theoretically change it, but it would likely only apply to new traders or new earnings going forward. Your past earnings would stay at whatever tier they were earned under.

Do other costs (subscription fees, reset fees) count against my profit?

No. The split applies to your trading profit only. Subscription fees are separate. If you paid $150/month for eval subscription and you earned $10K, you keep the full $10K (at 100% tier) — the $150 doesn't reduce it.

Is there a minimum withdrawal amount that affects the split?

No. The split percentage applies regardless of withdrawal size. Whether you withdraw $100 or $10,000, the same percentage applies based on your tier.

If I blow my funded account, does my cumulative total reset?

No. Your cumulative stays at whatever you earned before the account blew. If you had $18K cumulative, blew an account, then got funded again, you're still at $18K cumulative (Tier 2, 80% split) when you start earning on the new account.

Bottom Line: The Split Gets Better as You Earn

TradeDay's profit split isn't a gotcha or a trap. It's actually one of their better features compared to competitors.

You start at 100% for your first $10,000 earned. Then you drop to 80% for a while. But as you keep trading and proving consistency, you climb to 90%, then 92.5%, then 95%.

If you're a serious trader planning to be with TradeDay long-term, you'll eventually reach 95% and stay there. At that level, TradeDay is only taking 5% — which is very reasonable considering they're providing the capital, handling the regulatory compliance, and processing your payouts.

The key is understanding that the 80% tier is temporary. Don't get discouraged when you see that 20% cut. Keep earning, hit $25K cumulative, jump to 90%, and your effective income immediately improves.

For complete details on TradeDay's evaluation rules, platform options, and everything else, check the full TradeDay review.

Trade consistently. Build your cumulative. Reach 95%. Get paid.

Your Next Steps

‍👉 Start Trading at TradeDay Today

‍👉 Read My Full TradeDay Review

‍👉 Check out TradeDay´s Payout Rules

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