Prop trading has become one of the fastest ways for skilled traders to access large capital without risking their own money. In 2026, many proprietary trading firms now offer accounts that scale to $1 million or more. But not every firm provides this level of funding, and the rules, profit splits, and scaling conditions can differ a lot.
In this guide, you’ll learn which prop firm offers $1 million dollars, how these accounts work, and how to choose the best firm for your trading goals.
Which Prop Firm Offers $1 Million Dollars?
Several top proprietary trading firms offer $1 million accounts either directly or through scaling programs. The most popular and trusted ones include:
- FTMO: Offers traders up to $400,000 initially, with scaling up to $2 million through its growth plan.
- The5ers: Allows traders to start small and scale up to $4 million, making it one of the highest funding firms globally.
- FundedNext: Offers funding up to $300,000, with scaling options reaching $4 million.
- FundingPips: Provides accounts that can scale to $2 million depending on performance.
- Lux Trading Firm: Offers $1 million evaluation accounts directly for experienced traders.
BestProp4U: Provides multi-step evaluation accounts that reach $1 million funding.
When asking which prop firm offers $1 million dollars, the answer is that several firms do — either through direct funding or scaling programs based on performance.
What Is a $1 Million Prop Firm Account?
A $1 million prop firm account means you trade with the firm’s capital instead of your own. You don’t own the money, but you earn a profit split, usually between 70% and 90% of the profits you make.
These accounts are usually unlocked after passing an evaluation challenge, which tests your:
- Risk management skills
- Consistency
- Ability to respect drawdown limits
- Trading discipline
Once funded, traders can withdraw profits regularly while the firm absorbs the trading risk.
How Do Traders Get $1 Million Accounts?
Most prop firms use scaling plans, meaning traders start with smaller accounts like $50,000 or $100,000. As they hit profit targets and follow rules, their account size increases.
Some firms, like Lux Trading Firm, offer direct $1 million evaluations, while others like FTMO and The5ers allow traders to scale over time to seven-figure capital.
Common evaluation rules include:
- Profit targets: 6%–10%
- Daily drawdown limits: 3%–5%
- Maximum drawdown: 6%–10%
- Minimum trading days
Best Prop Firms Offering $1 Million Funding in 2026
Here are the most trusted firms traders use to reach $1 million accounts:
- FTMO: Industry leader with strong reputation, fast payouts, and excellent risk tools.
- The5ers: Best for long-term traders who want gradual scaling to very large capital.
- FundedNext: Flexible programs with competitive pricing and fast withdrawals.
- FundingPips: Affordable evaluations and strong scaling potential.
- Lux Trading Firm: One-step challenges with direct $1 million access.
These firms offer access to forex, indices, commodities, crypto, and stocks, making them ideal for both short-term and swing traders.
Advantages of Trading With a $1 Million Prop Firm
Trading with a million-dollar prop firm account offers major benefits:
- Zero personal capital risk
- Higher profit potential
- Access to institutional trading conditions
- Lower spreads and commissions
- Professional risk management systems
This setup allows traders to focus fully on performance instead of worrying about blowing their own savings.
Risks and Challenges of Million-Dollar Prop Firm Accounts
While attractive, these accounts also come with challenges:
- Strict drawdown limits
- News trading restrictions
- Lower profit splits compared to small firms
- Account termination if rules are broken
That’s why consistency and discipline matter more than aggressive trading when aiming for large funding.
How to Choose the Best $1 Million Prop Firm
When deciding which prop firm offers $1 million dollars and is right for you, look at:
- Profit split structure
- Scaling conditions
- Payout frequency
- Trading instruments available
- Company reputation and reviews
Always read the rules carefully before joining any proprietary trading firm.
Final Thoughts
So, which prop firm offers $1 million dollars? Firms like FTMO, The5ers, FundedNext, FundingPips, Lux Trading Firm, and BestProp4U all give traders access to million-dollar accounts through direct funding or scaling plans.
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Frequently Asked Questions (FAQs)
Can beginners get a $1 million prop firm account?
Not directly. Beginners usually start with smaller funded accounts and scale up by showing consistent performance and good risk management.
Do traders own the $1 million account capital?
No. The prop firm owns the capital. Traders earn a percentage of the profits based on the profit split agreement.
How long does it take to reach a $1 million prop firm account?
It depends on the firm. Some traders reach it in a few months through scaling programs, while others take longer depending on performance.
