Tradeify Profit Split Structure 2026: 100% vs 90/10 vs 80/20 Explained

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Quick heads-up: This article is based on my real experience with Tradeify 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 Tradeify´s website or their help center.

The first time I requested a $2,000 payout from my Tradeify funded account, I expected to see $2,000 hit my Rise wallet. Instead, I saw $1,800. My immediate reaction: "Where's my $200?" Then I remembered: 90/10 profit split. Tradeify keeps 10%, I get 90%. Simple math, but seeing it in action hits different than reading about it in the terms of service.

This guide breaks down Tradeify's complete profit split structure: how the 90/10 split actually works, what you receive on different account types, calculation examples across all account sizes, how commission fees impact your net payout, comparison to other prop firms, and strategies to maximize your actual take-home earnings.

Current Tradeify Profit Split: 90/10 Standard

As of January 2026, Tradeify uses a straightforward 90/10 profit split across all sim-funded and Elite Live accounts.

What this means:

• You (trader): Keep 90% of all profits you withdraw
• Tradeify: Keeps 10% of all profits you withdraw
• No tiered structure: The split is flat 90/10 from your first payout onward

From Tradeify's official policy:"All payouts from Sim Funded accounts will be split 90/10 with the Trader. There is no grace payout amount, and this split starts from your first payout request with Tradeify."

The "$15,000 at 100%" Myth (OUTDATED)

Important clarification: Some older articles and videos claim Tradeify offers "100% of first $15,000, then 90% thereafter." This is no longer true as of 2025-2026.

What actually exists now:

• Flat 90/10 split from day one
• No special 100% allocation for early profits
• No tiered profit sharing based on cumulative earnings

Why the confusion? Tradeify previously offered this structure for specific account types (legacy plans), but it's been replaced with the universal 90/10 split for all current accounts.

How the 90/10 Split Works in Practice

Basic Calculation

Formula:Your Net Payout = Gross Profit × 0.90

Example 1: $2,000 payout request

• Gross profit: $2,000
• Tradeify's 10%: $200
• Your 90%: $1,800
• You receive: $1,800

Example 2: $5,000 payout request

• Gross profit: $5,000
• Tradeify's 10%: $500
• Your 90%: $4,500
• You receive: $4,500

What "Profit" Actually Means

Critically important: The split applies to PROFITS, not account balance.

Profit = Current Account Balance - Starting Balance

Example:

• You have a 100K Select Flex account
• Starting balance: $100,000
• Current balance: $107,500
• Gross profit: $7,500
• Withdrawable after 90/10: $6,750

The $100,000 starting balance is NOT yours to withdraw—it's Tradeify's simulated capital. You can only withdraw profits ABOVE that starting balance.

Profit Split Across Different Account Types

Sim-Funded Accounts (Growth, Select, Lightning)

All sim-funded accounts: 90/10 split, no exceptions.

Key point: The split is consistent regardless of account size or type (as long as it's sim-funded).

Elite Live Accounts

Elite Live has the SAME 90/10 split:

From Tradeify's Elite Live policy:"Profit split on trading profits withdrawn shall be split as 90% to the Trader and 10% to the Company."

Example Elite Live payout:

• Elite Live 150K account starts with $150,000 trading capital
• You grow it to $165,000
• Profit available to withdraw: $15,000
• Your 90%: $13,500
• Tradeify's 10%: $1,500

Critical difference from sim: Elite Live uses REAL capital, but the profit split remains 90/10.

Net Payout Calculation Examples

Scenario 1: Small Frequent Payouts (Select Daily)

Account: 100K Select DailyStrategy: Daily $500 withdrawals

Week 1 earnings:

• Mon: +$600 profit → Request $500 → Receive $450
• Wed: +$550 profit → Request $500 → Receive $450
• Fri: +$650 profit → Request $500 → Receive $450
• Weekly net to you: $1,350 (from $1,500 gross requested)

Monthly projection: $5,400 net from $6,000 gross.

Scenario 2: Milestone Payouts (Select Flex)

Account: 150K Select FlexStrategy: Accumulate 15 winning days, request max payout

Performance:

• Total profits: $12,000
• Max payout: 50% of profits = $6,000 (within $5,000 cap, so capped at $5,000)
• Your 90%: $4,500
• Net to you: $4,500 per payout cycle

6 payout cycles per year: $27,000 annual income from one account.

Scenario 3: Scaling Multiple Accounts

Setup: Three 100K funded accounts, all past 6th payout

Monthly performance per account:

• Account A: $4,000 profit → $3,600 to you
• Account B: $3,500 profit → $3,150 to you
• Account C: $5,000 profit → $4,500 to you
• Total monthly net: $11,250 from $12,500 gross

Annual from 3 accounts: $135,000 net income (before taxes).

How Commissions Affect Net Profit

Important: The 90/10 split applies to NET profit (after commissions are deducted).

Calculation order:

1. Gross trading profit
2. Minus commissions = Net profit
3. Apply 90/10 split to net profit
4. Your payout

Example:

• Gross trading profit: $5,000
• Commissions paid: $300 (60 round trips × $5/RT)
• Net profit: $4,700
• Your 90%: $4,230
• You receive: $4,230 (not $4,500)

Why this matters: Heavy traders with high commission costs see a bigger gap between gross profits and net payouts.

My average: Commissions eat 3-4% of my gross profits. Combined with the 10% split, I net roughly 86-87% of my gross trading gains.

Tradeify's 90/10 vs Industry Comparison

Tradeify's positioning: Competitive 90/10 from day one, but lacks the 100% scaling that some competitors offer after milestones.

My take: I'd rather have immediate 90% than wait months for a 100% upgrade. The certainty matters more than the potential 10% improvement.

Strategic Considerations for Maximizing Net Income

Strategy #1: Reduce Commission Overhead

Lower commissions = higher net profit = bigger payouts after 90/10 split.

How to optimize:

• Trade mini contracts instead of micros in multiples (1 ES vs 10 MES)
• Reduce trade frequency (quality over quantity)
• Use limit orders to minimize slippage costs

Impact: Cutting commissions from 5% to 3% of gross profit increases your net payout by 2% (significant at scale).

Strategy #2: Optimize Payout Timing

Request larger, less frequent payouts to maximize the consistency rule efficiency:

• Fewer payout cycles = fewer consistency rule resets
• Accumulate larger profits before withdrawing
• Each payout request locks in the 90/10 split on that amount

Example:

• Weekly $1,000 payouts × 4 = $3,600 net monthly
• One $4,000 monthly payout = $3,600 net monthly
• Same net outcome, fewer processing cycles

Strategy #3: Scale Across Multiple Accounts

The 90/10 split applies PER ACCOUNT:

Single 100K account making $5,000/month:

• Your net: $4,500/month

Five 100K accounts each making $1,000/month:

• Your net: 5 × $900 = $4,500/month
• Same total, but diversified risk across accounts

Benefit: If one account fails, you don't lose all income.

Strategy #4: Tax Efficiency (U.S. Traders)

Tradeify payouts are 1099-NEC independent contractor income:

• You're responsible for self-employment tax (15.3%)
• No automatic withholding
• Quarterly estimated tax payments required

Net effect on take-home:

• $10,000 gross profit → $9,000 after 90/10 split → ~$7,600 after federal/state/SE taxes (varies by bracket)

Strategy: Set aside 25-30% of each payout immediately for taxes. Don't spend the full 90%.

Real-World Income Projections

Conservative Trader Profile

Setup:

• One 100K Select Flex account
• Average $2,000 profit per payout cycle
• 6 payout cycles per year

Annual gross: $12,000After 90/10: $10,800After taxes (~25%): $8,100 net annual income

This is supplemental income, not full-time trader level.

Aggressive Scaling Profile

Setup:

• Three 150K Elite Live accounts
• Average $8,000 profit per account per month
• 12 months active trading

Annual gross: 3 accounts × $8,000 × 12 = $288,000After 90/10: $259,200After taxes (~30%): $181,440 net annual income

This is professional trader income range.

My Actual Performance (1 Year Data)

Setup:

• Three sim-funded accounts (50K, 100K, 100K)
• Mix of Select Daily and Select Flex
• 11 months active (1 month account reset)

Gross trading profit: $47,200After 90/10 split: $42,480After commissions included: $41,100 (commissions already deducted before split)After taxes (28%): $29,592 net income

Effective rate: 62.7% of gross trading profit becomes take-home pay (after split, commissions, taxes).

FAQ

Does Tradeify ever offer 100% profit splits?

‍No. Current structure is flat 90/10 for all account types. Some competitors scale to 100% after milestones, but Tradeify does not.

Can I negotiate a better split if I'm a high-volume trader?

‍No. The 90/10 split is standardized across all traders. Volume doesn't change the split.

If I make $50,000 in profits, do I get to keep $45,000 (90%)?

‍Only if you withdraw all $50,000 at once. But payout caps limit withdrawals ($3,000-$5,000 for early payouts, $25,000 after 6th payout). So you'd withdraw in chunks, each getting the 90/10 split applied.

Does the split apply to Elite Live bonus payouts?

‍Yes. Elite Live bonus structure also uses 90/10 on milestone bonuses.

What if I withdraw less than my full available profit?

‍You only pay the 10% on what you withdraw. If you have $10,000 profit available but withdraw $5,000, you pay 10% on the $5,000 ($4,500 to you). The remaining $5,000 profit stays in your account for future withdrawal.

Can I "donate" my 10% back to Tradeify to get 100% on future payouts?

‍No. The split is mandatory and cannot be waived or modified.

How does the split work if I have multiple accounts?

‍Each account is independent. Each payout from each account gets the 90/10 split applied separately.

Do affiliate commissions use the same split?

‍No. Affiliate income is separate from trading income. You keep the full affiliate commission percentage (10-15% of referral evaluations).

Conclusion

Tradeify's 90/10 profit split is straightforward, transparent, and competitive within the futures prop trading industry. You're not getting exploited—90% is the industry standard for sim-funded accounts, and Tradeify delivers it consistently from your first payout through Elite Live accounts.

The real optimization isn't changing the split (you can't)—it's maximizing gross profits, minimizing commission overhead, managing taxes efficiently, and scaling across multiple accounts to build meaningful income.

I've withdrawn over $42,000 from Tradeify accounts in the past year. The 10% they keep ($4,200) is a fair price for the infrastructure, capital, platform access, and fast payout processing they provide. Without Tradeify's capital, I'd be trading a $5,000 personal account instead of $300,000 in funded capital. That 10% is worth it.

Focus on trading profitably. The 90/10 split will take care of itself.

Your Next Steps

‍👉 Start Trading at Tradeify Today

‍👉 Read My Full Tradeify Review

‍👉 Check out Tradeify´s Select Plans

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