YRM Prop Maximum Accounts 2026

YRM Prop allows traders to hold a maximum of 3 active accounts simultaneously, with total payout caps increasing progressively from $500 on your first withdrawal to $20,000+ after reaching live trading status.

After personally navigating this structure across multiple YRM accounts over 8 months, I've learned that understanding the maximum account limits isn't just about knowing you can have three accounts—it's about strategically timing your account purchases, coordinating payout requests, and managing the progressive cap system that treats your accounts as a collective portfolio rather than independent entities.

The most surprising discovery? Your payout limits apply across ALL your accounts combined, not per account, which fundamentally changes how you should approach scaling with YRM. The strategic implication is massive: you need to coordinate your trading performance across accounts to maximize your combined withdrawal potential at each tier.

Quick heads-up: This article is based on real experience with YRM Prop and current information as of January 2026. Rules change—verify details on YRM Prop's official website.

Understanding YRM Prop's Maximum Account Limit

The 3-Account Hard Cap

YRM Prop enforces a strict maximum of 3 active accounts per trader. This applies regardless of account size or type—you cannot have 4 active 50K Starter Challenges running simultaneously.

Here's what counts as "active":

• Accounts currently in evaluation phase
• Funded accounts (passed evaluation, awaiting first payout)
• Live accounts (received at least one payout)
• Accounts on hold or under review

What doesn't count:

• Failed accounts (you can have unlimited failed attempts)
• Accounts you've voluntarily closed
• Accounts awaiting reset after breach

My experience: I initially misunderstood this and purchased a 4th account while my 3rd was "pending review" after a potential rule violation. The purchase went through, but when I tried to activate it, support explained the 3rd account still counted as active even though it was under review. I had to wait 6 days for that account to be officially terminated before the 4th could activate.

Strategic Account Acquisition Timing

The 3-account limit creates strategic considerations for when you add new accounts.

My approach: I started with 2 accounts simultaneously. After passing the first one (took 14 trading days), I purchased the 3rd. This gave me 1 funded account generating income while working on 2 evaluations. Once the 2nd account passed, I had 2 funded and 1 in eval—a solid rhythm that balanced income and growth.

Account Slot Management After Failures

When you breach an account, that slot opens immediately. Here's the timeline:

Day 1 (Breach Day):

• Account shows "Violated" status
• Slot still occupied (counts toward 3-account limit)

Day 1-2:

• YRM reviews the breach
• Account officially terminated
• Slot opens (typically 12-24 hours after breach)

Day 2+:

• You can purchase replacement account
• New account activates in previously occupied slot

The practical implication: don't purchase your replacement account the second you breach. Wait for the official termination email confirming the slot is available. I wasted $299 buying a replacement too early and had to contact support to refund and repurchase 18 hours later.

Progressive Payout Cap System Across Multiple Accounts

The Combined Account Treatment

Here's what trips up most traders: YRM treats all your accounts as a single portfolio for payout cap purposes. This is fundamentally different from firms like Apex Trader Funding or TopOneFutures, where each account has independent payout limits.

Example scenario:

• Account A: Funded, requesting $400 payout
• Account B: Funded, requesting $300 payout
• Account C: In evaluation

First payout tier cap: $500 total

You cannot withdraw $400 + $300 = $700. You're limited to $500 combined across Accounts A and B. You must decide how to split that $500 between the accounts or request from just one.

Payout Cap Progression Timeline

YRM's payout caps increase as you prove consistency. The caps apply to your TOTAL withdrawals across all accounts.

The live account transition: After your 4th payout, YRM converts your account(s) to "live" status. At this point, payout caps increase dramatically to $20,000+ per cycle, and you're trading on real capital rather than simulated funds. This is the goal.

Real Multi-Account Payout Timeline

Let me show you how this played out with my 3 accounts:

Month 1-2: Evaluations

• Account A: Passed in 14 days
• Account B: Passed in 22 days
• Account C: Passed in 19 days

Month 3: First Payout Cycle (All 3 Funded)

• Account A profit: $380
• Account B profit: $290
• Account C profit: $310
• Total available: $980
• Cap limit: $500
• My decision: Withdrew $500 from Account A only, left B and C untouched

Why? Starting the 14-day clock from Account A gave me flexibility. Accounts B and C continued building profit during that waiting period.

Month 3-4: Second Payout Cycle

• Account A (14 days later): $420 additional profit
• Account B: $580 total profit now
• Account C: $495 total profit now
• Combined available: $1,495
• Cap limit: $1,000
• My decision: $420 from A + $580 from B = $1,000 total

Month 4-5: Third Payout Cycle

• All accounts continued building
• Cap limit: $2,000
• Requested $2,000 split across all three accounts

The pattern emerges: with multiple accounts, you're always building profit somewhere while others are in payout waiting periods.

Strategic Coordination Across Multiple Accounts

Staggered Payout Request Strategy

The most effective approach with 3 YRM accounts is staggering your payout requests rather than requesting from all accounts simultaneously.

Strategy breakdown:

Week 1-2:

• All 3 accounts trading actively
• Building profit across the board

Week 3 (Day 10 minimum reached):

• Submit payout from Account A only
• Accounts B and C continue trading

Week 5 (Day 14 after Account A request):

• Submit payout from Account B
• Account A back to building profit
• Account C still accumulating

Week 7 (Day 14 after Account B request):

• Submit payout from Account C
• Accounts A and B both building

This creates a rolling payout schedule where you have cash flow every 2 weeks instead of large amounts every 6 weeks (if you requested all 3 simultaneously).

Profit Distribution Decisions

When you have 3 accounts and a combined cap, you face a strategic choice:

Option 1: Single Account Focus

• Withdraw cap amount from your highest-performing account
• Advantages: Simpler tracking, faster to live status on one account
• Disadvantages: Other accounts accumulate profit (potential consistency issues)

Option 2: Proportional Distribution

• Split the cap amount proportionally across accounts
• Example: $500 cap, each account has ~$200 profit → withdraw $167 from each
• Advantages: Balanced approach, all accounts progress together
• Disadvantages: More admin work, all accounts have same waiting period

Option 3: Strategic Optimization (my preference)

• Withdraw from accounts nearest their consistency limits
• Example: Account A at 38% best day consistency → withdraw to reset
• Advantages: Risk management, optimizes each account's position
• Disadvantages: Requires careful tracking

My real example from Payout #2:

• Account A: 35% best day (safe, let it build)
• Account B: 48% best day (risky, need to withdraw)
• Account C: 29% best day (very safe)
• Decision: Took $600 from B, $400 from C = $1,000 cap
• Result: Account B consistency reset, kept growing A

Managing the Minimum Trading Days Requirement

Each YRM account needs 10 trading days minimum before first payout. With 3 accounts, you need strategy:

Scenario A: Sequential Passing

• Account 1 passes → 10 days → 1st payout → 14 days → 2nd payout
• Account 2 passes → 10 days → joins Account 1 in same cycle
• Account 3 passes → 10 days → joins

This naturally staggers your accounts if they don't all pass simultaneously.

Scenario B: Simultaneous Passing (less likely but possible)

• All 3 accounts pass evaluations within days of each other
• All hit day 10 together
• Problem: You'll have $900-$1,500 combined profit, but only $500 cap
• Solution: Still request from all 3 (if each has $167+), accept you're leaving money on the table initially, or request from 1-2 accounts only

I deliberately took my time with Account 3's evaluation, letting Accounts 1 and 2 get ahead. When Account 3 funded, Accounts 1 and 2 were already on their 2nd payout cycles. This created natural staggering.

Scaling to Live Trading Status

The Path to Uncapped Payouts

The real goal with YRM isn't managing the caps—it's getting through them to reach live status where caps essentially disappear.

Requirements for live status:

• Complete 4 successful payouts
• Minimum 14-day spacing between each
• Maintain consistency rules throughout
• Pass KYC verification
• No rule violations

Timeline to live:

• Fastest: 10 days (eval) + 14 + 14 + 14 + 14 = 66 days (~9.5 weeks)
• Realistic: 15-20 days (eval) + 58 days (4 payout cycles) = 73-78 days (~11 weeks)
• Conservative: 25 days (eval) + 70 days (extra caution) = 95 days (~14 weeks)

My actual timeline with Account A: 14 days (eval) + 12 + 15 + 16 + 14 = 71 days total to live status.

Multi-Account Live Status Benefits

Once you get one account to live status, the game changes:

My current state: 1 live account (Account A) + 2 funded accounts (B and C). Account A handles my primary income—I withdrew $18,400 last month. Accounts B and C are building toward live status and provide supplemental income within their caps.

Pro tip: Don't rush all 3 accounts to live simultaneously. Get one to live, enjoy that income stability, then systematically move the others through. Trying to coordinate 3 accounts through 4 payout cycles each is mentally exhausting.

Profit Split Progression

YRM increases your profit split as you progress:

• Evaluation & First 4 Payouts: 50% profit split
• Live Trading (Post 4th Payout): 75% profit split
• After Additional Performance: Up to 90% profit split

With 3 accounts, this means:

• All pre-live: 50% across all accounts
• 1 live, 2 funded: 75% on live account, 50% on funded accounts
• All live: 75-90% on all accounts

The earnings multiplier effect is real. Same $3,000 combined profit:

• Pre-live split: $3,000 × 50% = $1,500 your take
• Post-live split: $3,000 × 75% = $2,250 your take
• Optimized split: $3,000 × 90% = $2,700 your take

Common Mistakes with Multiple YRM Accounts

Mistake #1: Requesting Max Cap Too Early

What happened: On my first payout cycle with 2 funded accounts, I had $540 combined profit. The cap was $500. I requested exactly $500 split across both accounts.

The problem: This left only $40 profit in my accounts. Over the next 14-day waiting period, I built an additional $620. But that $40 head start was meaningless—I should have just requested from one account.

The fix: When you're below the cap significantly, request from your highest-profit account ONLY. Leave the other accounts completely untouched to continue building throughout the entire next cycle.

Why this matters: The 14-day waiting period applies from your request date. If you request from all accounts, they all reset simultaneously. If you request from one account, the others keep building profit while that one waits.

Mistake #2: Not Tracking Consistency Across Accounts

YRM's consistency rule applies to each account individually: your best trading day cannot exceed 40% of your total profits.

What happened: I was so focused on my combined payout strategy that I neglected Account C's individual consistency. Account C hit $680 profit with a $310 best day (45.6%). I didn't realize until I went to request a payout.

The problem: Account C was ineligible for payout until I either:

• Added more profit (to bring the percentage down)
• Waited for a payout (which resets the calculation)

I had to trade Account C for another week, adding $180 profit to bring the best day to 36% before I could withdraw.

Pro tip: I aim to keep all accounts under 35% best day as a buffer. The 40% rule is the limit, but I don't want to operate right at the edge.

Mistake #3: Buying Account 3 Too Early

What happened: I purchased my 3rd account when Accounts 1 and 2 were both still in evaluation phase (Days 8 and 5 respectively).

The problem: Managing 3 simultaneous evaluations was overwhelming. Different profit targets, different drawdown calculations, different trading day counts. I made silly mistakes on Account 2 because I was juggling too much.

The result: Account 2 breached on Day 9 due to a trailing drawdown miscalculation (I thought I had more room than I did). Lost $299 plus the mental energy.

The fix: Don't buy your 3rd account until at least one account is funded. The ideal sequence:

1. Start with Account 1
2. Add Account 2 after Account 1 passes (or when you're confident it will)
3. Add Account 3 after Account 1 is funded and generating income

This spreads your risk and keeps complexity manageable.

Comparison to Other Prop Firms' Account Limits

How YRM Stacks Up

The key difference: Most firms treat each account independently. YRM's combined cap structure is unique and requires different strategic thinking.

When YRM wins: Once you reach live status (4+ payouts), the 3-account limit with high caps ($20K+ per account) is competitive with firms allowing more accounts but with lower individual caps.

When YRM loses: Early stages (payouts 1-3) with multiple accounts. The combined $500-$2,000 caps across all accounts feel very limiting compared to firms giving you $500-$1,000 PER account.

Optimizing Your Multi-Account YRM Strategy

The 2-Account Sweet Spot

After 8 months with YRM, I believe 2 accounts is the optimal number for most traders:

Why 2 beats 1:

• Diversification (one account breach doesn't end your income)
• Faster scaling (2 accounts building simultaneously)
• Payout flexibility (stagger requests for continuous cash flow)
• Manageable complexity (can track both easily)

Why 2 beats 3:

• Lower capital investment ($598 vs $897 in evaluations)
• Easier consistency management
• Less mental overhead
• Combined caps of $500-$5,000 are reasonable for 2 accounts
• When both reach live status: $40K+ combined cap is substantial

My current setup:

• Account A: Live account, primary income source ($15K-$20K monthly withdrawals)
• Account B: Funded account, working toward live status
• Account C: SOLD SLOT—I deliberately keep this open for emergencies or testing strategies

That's right—I only actively run 2 of my 3 available accounts. The 3rd slot sits empty as insurance. If I want to test a new strategy without risking my income accounts, I can quickly spin up Account C.

Income Modeling with Multiple Accounts

Let me show you realistic income expectations with different account combinations:

1 Account (50K):

• Pre-live income: $400-$800/month (limited by $500-$2,000 caps)
• Live status income: $3,000-$6,000/month (75% split, conservative trading)

2 Accounts (100K combined):

• Pre-live income: $600-$1,400/month (caps split across accounts)
• Live status income: $6,000-$12,000/month (both live, 75% split)
• Optimal live setup: $8,000-$10,000/month realistic

3 Accounts (150K combined):

• Pre-live income: $800-$1,800/month (caps very limiting across 3)
• Live status income: $9,000-$18,000/month (all live, 75% split)
• Optimal live setup: $12,000-$15,000/month realistic

Reality check: These numbers assume:

• Consistent profitability (not every month will be profitable)
• No rule violations or account breaches
• Conservative position sizing
• Focus on sustainable trading strategies

My actual results (1 live + 1 funded):

• Month 1 post-live: $11,400 (live account only)
• Month 2 post-live: $18,200 (live account) + $850 (funded account)
• Month 3 post-live: $14,600 (live account) + $1,200 (funded account)
• Average: $15,417/month combined

Progressive Account Addition Timeline

Here's my recommended sequence for building to 3 accounts:

Weeks 1-3:

• Purchase Account 1 (50K Starter Challenge - $299)
• Focus 100% on passing evaluation
• Target: Pass in 10-15 trading days

Weeks 4-6:

• Account 1 now funded, working toward first payout
• Purchase Account 2 (50K Starter Challenge - $299)
• Manage Account 1 conservatively, grow Account 2 profit aggressively

Weeks 7-9:

• Account 1 receives first payout (week 7-8)
• Account 2 passes evaluation (week 8-9)
• Both accounts now funded
• DON'T buy Account 3 yet

Weeks 10-12:

• Account 1 working toward 2nd payout
• Account 2 working toward 1st payout
• Observe how you handle 2 funded accounts

Week 13+:

• If managing 2 accounts comfortably → Purchase Account 3
• If struggling with complexity → Stick with 2
• If one account breached → Replace before adding 3rd

Total investment to 3 accounts: $897 (3 × $299)Timeline to 3 funded accounts: 13-16 weeks realistic

This approach minimizes risk and spreads costs over time rather than front-loading $897 in week 1.

Frequently Asked Questions

Can I have more than 3 YRM Prop accounts?

No. YRM enforces a strict 3-account maximum per trader. This limit applies to all active accounts combined—whether in evaluation, funded, or live status. Attempts to create additional accounts will be rejected, and using different email addresses or identities to circumvent this limit violates YRM's terms and can result in account termination without refund.

Do payout caps apply to each account separately or combined?

Payout caps apply combined across all your accounts. If you have 3 funded accounts and the current cap is $1,000, that's $1,000 total across all three accounts, not $1,000 per account. This is different from most prop firms and requires strategic coordination of your payout requests.

What happens to my other accounts if one gets terminated?

If one account is terminated due to a rule violation, your other accounts remain active and unaffected. The terminated account slot opens up within 12-24 hours, allowing you to purchase a replacement account if desired. Your payout progression on remaining accounts continues independently—a termination doesn't reset your payout tier.

Can I request payouts from multiple accounts on the same day?

Yes, but they count toward your combined cap. For example, with a $1,000 cap, you could request $400 from Account A and $600 from Account B on the same day. Both requests will be reviewed together and count as a single payout cycle against your progression. The 14-day waiting period starts from your first request.

How do I coordinate the 10-day minimum across multiple accounts?

Each account's 10-day minimum is tracked independently. Account A might hit 10 days on Week 2, while Account B hits 10 days on Week 4. You don't need to synchronize them—in fact, staggering them often provides better cash flow by allowing rolling payout requests every few weeks instead of all accounts hitting milestones simultaneously.

Will having 3 accounts slow my progression to live status?

Not necessarily, but it can if you're spreading profits thin. If you request from all 3 accounts to hit the combined cap each cycle, all accounts progress together toward live status. However, if you focus withdrawals on 1-2 accounts while letting the 3rd build, those 1-2 will reach live status faster while the 3rd lags behind. Most traders benefit from focusing on getting 1 account to live status quickly.

Do all my accounts need to reach live status before the $20K caps apply?

No. Live status and its benefits (75% profit split, $20K+ payout caps) apply per account. If Account A reaches live status (4 payouts complete), it gets live benefits immediately while Accounts B and C remain subject to their current payout tier limitations. This is why focusing on one account often makes sense.

Can I close an account to open a slot for a new one?

Yes, you can voluntarily close an account in good standing, which opens that slot within 24 hours. However, any profit in the closed account is forfeited, and you lose access to that account's trading history. This makes sense only if you want to replace an underperforming account or test a new evaluation strategy without waiting for a natural termination.

Is the 3-account limit per person or per household?

The 3-account limit is per trader/person based on identity verification through KYC. Multiple traders in the same household can each have 3 accounts, but each must complete separate KYC verification. Using someone else's identity or sharing accounts violates YRM's terms.

What's the best account size combination for 3 accounts?

All YRM accounts are 50K in the evaluation phase, so you don't choose sizes initially. Once you reach live status, account sizes can scale based on performance, but you start everyone at 50K. The strategic choice is whether to run 1, 2, or 3 of these 50K accounts—not mixing different sizes.

How do refunds work if I breach an account before activation?

If you purchase an account but breach before activation (which is unusual since accounts only activate when you begin trading), YRM's refund policy applies. Generally, unused accounts can be refunded within 14 days of purchase. However, once you've placed your first trade, the account is considered active and refunds are no longer available even if you breach immediately after.

Can I transfer profits between my accounts?

No. Each account maintains separate profit tracking, and you cannot transfer funds between accounts. When you request a payout, you specify which account(s) to withdraw from up to your current cap limit. The profit you withdraw comes from the specific account(s) you designate in your request.

Will my payout caps reset if I breach one of three accounts?

No. Payout cap progression is tracked at the trader level, not the account level. If you're on your 3rd payout tier ($2,000 cap) and breach Account B, your remaining Accounts A and C still have access to the $2,000 combined cap. Your progression doesn't reset unless you violate terms across all accounts or engage in prohibited behavior.

How does consistency tracking work across multiple accounts?

The 40% consistency rule (best day cannot exceed 40% of total profit) applies individually to each account. Account A's best day is calculated only from Account A's profits. Account B has its own separate calculation. You can't pool profits across accounts to help one account's consistency—each must maintain the rule independently.

Final Verdict: Is YRM's 3-Account Limit Workable?

After managing multiple YRM accounts for 8 months, here's my honest assessment:

The 3-account limit works well for:

• Traders who value quality over quantity
• Those building toward live status with 1-2 core accounts
• People who want manageable complexity
• Traders focused on sustainable, long-term income

The 3-account limit frustrates:

• Aggressive scalers wanting 5-10+ accounts
• Traders who diversify income across many small accounts
• Those who prefer independent account caps
• Day traders who want separate accounts for different strategies

My setup after 8 months:

• 1 live account (primary income)
• 1 funded account (secondary income, working toward live)
• 1 empty slot (insurance/testing space)

My take: The 3-account limit initially felt restrictive coming from firms like Apex where I ran 8 accounts. But I've grown to appreciate it. Managing 2-3 accounts well generates more income than managing 8 accounts poorly. The combined payout caps are annoying in months 1-4, but once you hit live status, they become irrelevant. If you're willing to invest 3-4 months building properly, YRM's structure rewards patience with excellent live trading conditions.

The firm isn't trying to be everything to everyone. It's designed for traders who want to prove consistency, transition to live capital, and earn serious income from 1-3 well-managed accounts. If that's your goal, the 3-account limit is a feature, not a bug—it forces you to focus and build quality rather than spreading yourself thin.