Cheapest $100K Prop Firm Challenges (2026) Compared
The cheapest $100K prop firm challenges compared by fee, max loss and cost per dollar of drawdown: The5ers, Atlas Funded, FTMO and others.
Reviewed by Hà Ngọc Lộc· Senior SEO Editor
On 2026-10-01 the cheapest $100K evaluation we found was The5ers' Summer Plan 2-Step at $149. It is a limited-time offer with a 10% maximum loss and a 3% daily loss. Next came BrightFunded 2-Step Bright (€357.75 during its 25% promotion, €477 list) and Atlas Funded 2 Step ($443). Atlas Free Access costs $0 upfront, but you pay $554 after passing. A low fee is only good value if the rules fit you, so compare the cost per dollar of maximum loss as well.
$100K Challenges Ranked by Fee (checked 2026-10-01)
| Plan | Fee | Max loss | Daily loss | Cost per $1 of max loss |
|---|---|---|---|---|
| The5ers Summer 2-Step 10/5 | $149 (limited time) | 10% | 3% | 1.5¢ |
| The5ers Summer 2-Step 8/5 | $179 | 10% | 3% | 1.8¢ |
| BrightFunded 2-Step Bright | €357.75 promo / €477 list | 8% static | 4% | 4.5¢ (promo) |
| Atlas Funded 2 Step | $443 | 10% | 5% | 4.4¢ |
| Atlas Funded 1 Step | $478 | 7% | 4% | 6.8¢ |
| FunderPro Classic | $539 list (Oct 2026) | 10% static | 5% | 5.4¢ |
| FTMO 2-Step* | €540 list | 10% static | 5% | 5.4¢ |
| FundedNext Stellar 2-Step* | ~$550 | 10% static | 5% | 5.5¢ |
| Atlas Free Access | $0 upfront, $554 after passing | 7% trailing | 5% trailing | Pay only if you pass |
*Not affiliate partners (FTMO, FundedNext). FunderPro fee and limits checked on funderpro.com on 2026-10-02.
Cheap Isn't Always Cheaper
- Tight daily loss (3% at The5ers Summer) means a single bad day ends the account sooner.
- Trailing drawdown (Atlas Access, 1-Step plans) shrinks your room as you profit.
- Refund timing differs: Atlas refunds on the 3rd or 4th payout, FunderPro on the 1st reward, and BrightFunded only with a paid add-on.
- Expected cost = fee ÷ pass chance. A $149 plan you pass 1 time in 4 costs about $600 per funded account.
Related: Cheapest prop firms · $1 and free prop firm challenges · Prop firm challenge cost calculator · Best pay-after-you-pass prop firms
Official sources: FunderPro Help Center (support.funderpro.com) · The5ers official site (the5ers.com) · Atlas Funded Help Center (help.atlasfunded.com) · BrightFunded Help Center (help.brightfunded.com).
Cheapest $100K Prop Firm Challenges: Your Questions Answered
What is the cheapest $100K prop firm challenge?
On 2026-10-01, The5ers' Summer Plan 2-Step at $149 (limited time). Among regular prices, Atlas Funded 2 Step at $443.
Is a cheap prop firm challenge worth it?
Only if the rules suit your strategy. Compare the daily loss, drawdown type and refund terms, not just the fee.
Can I get a $100K account for free?
Atlas Free Access costs $0 to start. You pay $554 for $100K only after you pass.
Sources checked 2026-10-01: the5ers.com Summer Plan page; brightfunded.com plan table; help.atlasfunded.com 2 Step, 1 Step and Free Access articles; FunderPro from our dated pricing guide (2026-07-26); FTMO/FundedNext from a third-party comparison dated 2026-09-22.
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Sources & verification
- Last checked
- Written by
- HNL Growth Team
- Reviewed by
- Hà Ngọc Lộc
- Length
- 2 min read · 478 words
Rules, prices and payout terms on this page were checked against the official websites, help-centre articles and published terms of the firms mentioned, on the date above. Prop firms and brokers change conditions often — confirm the current version on the official site before you buy or deposit. Read our editorial methodology and affiliate disclosure.
Official sources & documentation verified
- FunderPro Help Center(support.funderpro.com)
- The5ers official site(the5ers.com)
- Atlas Funded Help Center(help.atlasfunded.com)
- BrightFunded Help Center(help.brightfunded.com)
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