Funded Guru
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Funded Guru: Simulated Prop Firm With 2-Step Challenge, Instant Funding, TradeLocker & 90% Standard Payouts
Funded Guru is a simulated prop trading firm offering two main routes: a structured 2-Step Challenge and an Instant Funding model. Traders can access simulated accounts, trade forex and CFD-style markets, use TradeLocker-based trading access, and request payouts once the program-specific rules are met.
Buy One Challenge, Get One Free
Every challenge purchased comes with a free matching challenge after the first payout. Same account size, same account type — added as an extra account once the first payout is completed.
An extra 5% checkout discount is also available. Offer valid until May 31.
Firm Overview
Funded Guru provides access to simulated trading programs for traders who want to prove their edge without risking personal capital. The main options are the 2-Step Challenge, where traders pass two phases before receiving a simulated funded account, and Instant Funding, where traders skip the evaluation phase but must respect stricter payout and drawdown rules.
2-Step Challenge
Classic two-phase evaluation model. Traders must reach the Phase 1 and Phase 2 targets while keeping daily and overall loss below the rules. No consistency rule applies on the 2-Step path.
Instant Funding
Direct funded-style route with no challenge phase. Traders can start trading immediately, but must respect trailing drawdown, reward-cycle requirements and the Instant Funding consistency rule.
Programs & Core Rules
The two models are very different. The 2-Step Challenge is more evaluation-focused and uses a static overall drawdown. Instant Funding gives immediate access, but uses a trailing drawdown that locks once the account reaches 6% profit from the starting balance.
| Program | Targets | Min Days | Daily Loss | Max Drawdown | Consistency |
|---|---|---|---|---|---|
| 2-Step Challenge | 8% Phase 1, 5% Phase 2 | 4 days per phase | 5% | 10% static overall loss | None in Phase 1, Phase 2 or funded stage |
| Instant Funding | No evaluation target | 5 profitable days per reward cycle | Program risk rules apply | 6% trailing, locks at initial balance after 6% profit | 20% best-day cap at payout request |
Payout Structure
Funded Guru uses a standard 90% payout split on both main programs. Higher splits may be available through promo codes, add-ons or VIP status. VIP tiers can increase the split beyond the standard level.
| Program | First Payout | After First Payout | Profit Split | Formula / Notes |
|---|---|---|---|---|
| 2-Step Challenge | 14 days after first trade on funded account | Bi-weekly processing | 90% standard | Gross = Balance minus Capital. No buffer. Challenge fee may be returned with first funded payout. |
| Instant Funding | 14 days after first trade, unless VIP benefit applies | Bi-weekly processing | 90% standard | Gross = Balance minus Capital minus 2% buffer. The buffer remains in account to protect drawdown floor. |
Markets, Leverage & Trading Access
Funded Guru offers five main instrument groups: Forex, Crypto, Metals, Indices and Energies. Forex leverage differs by program, while other instrument categories have their own leverage, commission and volatility characteristics.
| Asset Class | Examples | Leverage Notes | Commission Notes | Risk Notes |
|---|---|---|---|---|
| Forex | Major, minor and exotic pairs | 1:100 on 2-Step, 1:50 on Instant | $4 per lot per side | Spreads widen around sessions and high-impact news. |
| Crypto | BTC, ETH and altcoins | 1:5 | $3 per lot | Trades 24/7 and can move sharply at any time. |
| Metals | Gold, Silver | 1:30 | $4 per lot | Sensitive to Fed, CPI, NFP and geopolitical events. |
| Indices | US500, US30, US100, GER40, UK100 | 1:20 | $0 commission | High gap risk around macro events and earnings. |
| Energies | WTI, Brent, Natural Gas | 1:10 energies / 1:30 commodities | $0 commission | Very sensitive to inventory reports, OPEC and geopolitical events. |
News, Swing Trading & Automated Trading
Funded Guru allows overnight and weekend holding across programs, but traders remain responsible for swap fees, gap risk and drawdown interaction. News trading is restricted around major scheduled high-impact events.
Swing / Weekend
Overnight and weekend trading are allowed across all programs and phases, but swap fees and gap risk still count into account equity and drawdown.
News Trading
No opening or closing trades within 4 minutes before or after major scheduled high-impact news. Holding through the event is allowed but risk remains with the trader.
EA / Automation
EAs and automation are allowed if they follow normal rules. Martingale, grid trading, latency arbitrage, tick scalping and platform-exploit logic are prohibited.
Best For
- Forex and CFD traders who want TradeLocker-based access
- Traders who want both 2-Step and Instant Funding choices
- Traders who prefer 90% standard payout split
- Traders who want weekend and overnight holding allowed
- EA users who trade with clean, non-martingale logic
- Traders who want no consistency rule on the 2-Step path
Not Best For
- Futures traders who need NinjaTrader, Tradovate or Rithmic
- Traders from restricted jurisdictions listed by the firm
- Traders who want to scalp high-impact news releases inside the restricted window
- Traders using martingale, grid, latency arbitrage or tick-scalping systems
- Instant Funding traders who dislike consistency and buffer rules
Payout Notes
- Standard payout split is 90% on both 2-Step and Instant Funding.
- Higher payout splits may be available through promo codes, add-ons or VIP status.
- VIP Tier 2 can reach 120%, and VIP Tier 3 can reach 150% according to Funded Guru’s payout article.
- First payout is available 14 days after the first trade on the funded account.
- After the first payout, payouts are processed bi-weekly.
- VIP users may skip the 14-day wait and request from day one.
- All open trades must be closed before a payout request can be submitted.
- Trading is suspended on that account while the payout request is processed.
- Instant Funding deducts a 2% buffer from eligible profits before applying the split.
- 2-Step accounts do not use the Instant Funding buffer.
- 2-Step Challenge fee may be returned with the first funded payout.
Rules Notes
- Main programs: 2-Step Challenge and Instant Funding.
- 2-Step Challenge requires 4 trading days in Phase 1 and 4 trading days in Phase 2.
- 2-Step Challenge has no consistency rule in Phase 1, Phase 2 or funded stage.
- 2-Step Challenge uses a 10% static maximum overall loss.
- Instant Funding uses 6% trailing drawdown, which locks at the initial balance after the account reaches 6% profit.
- Instant Funding requires 5 profitable trading days per reward cycle before a payout request can be submitted.
- Instant Funding uses a 20% consistency rule at payout request.
- Overnight and weekend holding are allowed across programs, but swap and gap risk remain active.
- High-impact news restriction: no opening or closing trades within 4 minutes before or after the event.
- EAs and automation are allowed if they do not use prohibited logic.
- Martingale, grid trading, latency arbitrage, systematic sub-2-minute tick scalping and platform-exploit strategies are prohibited.
- 30-day inactivity rule applies at the account level.
FAQ
Is Funded Guru a futures prop firm?
No. Funded Guru is focused on forex and CFD-style simulated trading. It is not a NinjaTrader, Tradovate or Rithmic futures prop firm.
What programs does Funded Guru offer?
The main programs are 2-Step Challenge and Instant Funding.
What platform does Funded Guru use?
Funded Guru links to TradeLocker trading access and also references web app and mobile app trading access.
How many minimum trading days are required?
The 2-Step Challenge requires 4 trading days per phase. Instant Funding requires 5 profitable trading days per reward cycle before payout eligibility.
How fast are payouts?
The first payout is available 14 days after the first funded trade. After that, payouts are processed bi-weekly. VIP users may skip the initial wait.
Is weekend holding allowed?
Yes. Overnight and weekend trading are allowed across all programs and phases, but traders remain responsible for swap fees, gap risk and drawdown impact.
Is news trading allowed?
Holding through news is allowed, but opening or closing trades is restricted during the 4-minute window before and after major scheduled high-impact news.
Are EAs allowed?
Yes. EAs and automation are allowed, but prohibited strategies such as martingale, grid trading, latency arbitrage and systematic tick scalping are not allowed.
Disclaimer: Funded Guru rules, pricing, payout timing, profit split, VIP terms, platform access, restricted jurisdictions, trading rules and account conditions can change. Always verify the latest details directly on the official Funded Guru website, checkout page, dashboard or support channel before purchasing or trading. This page is informational only and does not provide financial advice.