Instant Funding Two-Phase: prices and rules (2026)
Two-Phase from Instant Funding is a 2-step challenge with 6 account sizes from 5K to 200K. The 100K account costs $539, with a 8% / 5% profit target, 5% daily loss limit and 10% maximum loss.
Two-Phase: prices by account size
| Account | Price | Target | Daily loss | Max loss | Split |
|---|---|---|---|---|---|
| $5,000 | $48 | 8% / 5% | 5% | 10% | 80% |
| $10,000 | $89 | 8% / 5% | 5% | 10% | 80% |
| $25,000 | $163 | 8% / 5% | 5% | 10% | 80% |
| $50,000 | $296 | 8% / 5% | 5% | 10% | 80% |
| $100,000 | $539 | 8% / 5% | 5% | 10% | 80% |
| $200,000 | $1,078 | 8% / 5% | 5% | 10% | 80% |
List prices without discount codes, checked on 13 November 2026. Firms change prices often, so confirm on their website before you buy.
Key rules
The drawdown is static: the loss limit is set from the starting balance and doesn't climb with your profits, which gives you more room. There is a consistency rule (40%): no single day may make up too much of your total profit. There is no time limit.
Alternatives at 100K
2-step challenges at 100K from other firms we cover, cheapest first. For reference, Two-Phase costs $539.
| Firm | Price | Target | Max loss |
|---|---|---|---|
| Blue Guardian | $239 2 Step Nano | 8% / 5% | 10% |
| AquaFunded | $279.20 Two Step Pro | 10% / 5% | 10% |
| FundedElite | $299 Lite 2 Step | 10% / 5% | 8% |
| OneFunded | $349 Value | 8% P1 / 6% P2 | 8% |
| Atmos Funded | $379 2-Step Plus | 6% / 6% | 6% |
| The5ers | $405 High Stakes New | 10% / 5% | 8% |
Our verdict
There are 6 cheaper alternatives at the same size, so compare the rules before you decide. Its Trustpilot rating is 3.1 out of 5, so read recent reviews before you buy.
Frequently asked questions
How much is Instant Funding Two-Phase at 100K?
$539. Depending on account size, the price runs from $48 (5K) to $1,078 (200K).
What target and limits does Two-Phase have?
The profit target is 8% / 5%. The maximum daily loss is 5% and the maximum overall loss is 10%, with static drawdown.
How often does Two-Phase pay out?
Payout frequency: On request. Profit split: 80%.