ZenonTradez
At $100K the two challenges cost almost the same, so the choice comes down to rules. FXIFY suits traders who want the easier first phase and TradingView: its Two Phase Classic costs $495 with code INSIDE and starts with a 5% target. FundedNext suits traders who want more daily room and no consistency rule: its Stellar 2-Step costs $512 with code INSIDE, allows a 5% daily loss and refunds your fee with your first payout.
We compare the FXIFY Two Phase Classic with the FundedNext Stellar 2-Step, both at $100,000 and both with a 10% static max loss.
- Cheaper: FXIFY, $495 vs $512 for $100K, a gap of just $17. FundedNext’s first-payout fee refund can close that gap.
- Easier rules: FundedNext for daily room (5% vs 4%) and no standard consistency rule. FXIFY has the easier Phase 1 (5% vs 8%) and fewer minimum days.
- Payouts: both pay 80% every 14 days on these plans. FundedNext adds fast (60%) and on-demand (90%) options; FXIFY sells a 90% split add-on.
Side-by-Side Comparison: $100K 2-Step
| Feature | FXIFY | FundedNext |
|---|---|---|
| Plan compared | Two Phase Classic | Stellar 2-Step |
| Price after code | $495 (code INSIDE, 10% off) | $512 (code INSIDE, 7% off) |
| Regular price | $549 | $550 |
| Profit target (Phase 1 | Phase 2) | 5% | 10% | 8% | 5% |
| Max drawdown | 10% Static | 10% Static |
| Daily loss limit | 4% (from previous day’s balance at 5 PM EST) | 5% |
| Minimum trading days | 4 per phase | 5 |
| Consistency rule | Funded: no day over 25% of total profit at payout | None as standard (40% only with the on-demand 90% option) |
| Profit split | 80% (90% with add-on) | 80% standard (60% fast or 90% on-demand options) |
| Payout frequency | Every 14 days at 80%, or every 30 days for a higher split | First after 21 days, then every 14 days (or faster options) |
| Fee refund | Not stated for Classic | With your first payout |
| News trading | Allowed on evaluation programs | Unrestricted in the challenge; funded profit within 5 min of high-impact news paid at 40% |
| EAs | Allowed after FXIFY approves them | Paid add-on, accounts under $50K only |
| Forex leverage | 1:30 (1:50 add-on) | 1:100 |
| Platforms | MT5, DXtrade, TradingView | MT4, MT5, cTrader, Match Trader |
Price: Only $17 Apart
With code INSIDE, the FXIFY $100K Two Phase Classic drops from $549 to $495 (10% off). With code INSIDE, the FundedNext $100K Stellar 2-Step drops from $550 to $512 (7% off).
A $17 gap is too small to decide on. What you get back matters more: FundedNext refunds the challenge fee with your first performance reward on qualifying Stellar plans, and its current offer advertises a 120% refundable fee. FXIFY only states a 100% refundable fee for its Two Phase Standard, not for the Classic.
Alternatives at the same size: FXIFY’s Two Phase Standard also costs $495 (10% | 5% targets, 10% Trailing) and includes that refundable fee. FundedNext’s Stellar Lite is the budget option at $372 (8% | 4%, 8% Static, 4% daily loss).
Rules & Drawdown
Max loss is the same. Both plans use a 10% static max loss, so your floor sits at $90,000 on a $100K account and never trails up with profit.
Daily loss favours FundedNext. You can lose 5% ($5,000) in a day at FundedNext vs 4% ($4,000) at FXIFY. FXIFY measures its limit from your balance at the end of the previous day (5 PM EST), and equity dropping below that level breaches the account, so open losing trades count.
Targets are a trade-off. FXIFY asks for 5% in Phase 1 and 10% in Phase 2, 15% in total, with the harder step second. FundedNext asks for 8% then 5%, 13% in total. FXIFY gets you through the first phase faster; FundedNext asks for less overall.
Minimum days: 4 per phase at FXIFY vs 5 at FundedNext. Both close accounts that go 60 days without a trade.
Consistency is the biggest rule difference. On a funded Classic account, FXIFY will not let any single day be more than 25% of your total profit when you request a payout. FundedNext has no consistency rule on the standard 80% payout. It only adds a 40% rule if you choose the on-demand 90% option. FundedNext’s own funded limits are a 3% risk-at-a-time guideline and its Quick Strike rule on sub-30-second trades.
Payouts
FXIFY’s Two Phase Classic pays 80% every 14 days, or every 30 days if you take a higher split. A 90% split is available as a checkout add-on (+20%). The minimum withdrawal is $50, and payouts are processed within 3 business days via Rise Works, Crypto, Bank Transfer.
FundedNext’s Stellar 2-Step gives you three payout options: standard 80% (first after 21 days, then every 14 days), fast 60% (every 3 profitable days of 1%+), or on-demand 90% (anytime with 2%+ profit and the 40% consistency rule). The minimum is $20 via USDT or $50 via Rise Works, and a processing fee of up to 3.5% applies to rewards.
FXIFY also has a scaling plan on the Classic: +25% account size after a 10% return over 3 months.
Platforms & Trading Conditions
FXIFY offers MT5, DXtrade, TradingView, which makes it the pick for TradingView users. FundedNext offers MT4, MT5, cTrader, Match Trader, so MT4, cTrader and Match Trader users only have one option here. Both offer MT5.
Leverage is a clear gap: forex is 1:30 on FXIFY evaluations (1:50 as an add-on) vs 1:100 on the FundedNext 2-Step. On costs, FXIFY lets you choose RAW spreads with a $6 per lot commission or commission-free All-In pricing. FundedNext charges $5 per lot on forex and commodities on the Stellar 2-Step, with no commission on indices.
Pros & Cons
FXIFY
- Pro: slightly cheaper at $495 for $100K with INSIDE.
- Pro: easy 5% Phase 1 target and only 4 minimum days per phase.
- Pro: TradingView and DXtrade support, approved EAs allowed, and a scaling plan.
- Con: 25% consistency rule at payout on funded Classic accounts.
- Con: tighter 4% daily loss and 1:30 forex leverage.
- Con: 10% Phase 2 target, and no stated fee refund on the Classic.
FundedNext
- Pro: 5% daily loss and 1:100 forex leverage on the 2-Step.
- Pro: no consistency rule on the standard 80% payout, plus 60% and 90% payout options.
- Pro: fee refunded with your first payout; MT4, MT5, cTrader and Match Trader.
- Con: 8% Phase 1 target and 5 minimum days.
- Con: funded profits within 5 minutes of high-impact news are paid at just 40%.
- Con: up to 3.5% processing fee on payouts; first standard payout after 21 days.
Which Should You Choose?
FXIFY — you trade on TradingView, run an EA, or want a quick 5% first phase. It costs $495 for $100K. Accept the trade-offs: a 4% daily loss, a 10% Phase 2 target, and a 25% consistency rule on funded payouts, which hurts traders who make most of their profit on one big day.
FundedNext — you want more daily room (5%), higher leverage, no consistency rule on standard payouts and your fee back with the first payout. You pay $512, need 8% in Phase 1, and should avoid trading around high-impact news once funded.
Want more detail? Read our full FXIFY review and FundedNext review, browse all forex prop firms, see more prop firm comparisons such as Maven Trading vs FundedNext, or grab every current code on our prop firm discount codes page. Always confirm the latest rules on the FXIFY website before you buy.
Frequently Asked Questions
Is FXIFY or FundedNext cheaper?
FXIFY, by $17. The $100K Two Phase Classic costs $495 with code INSIDE, vs $512 for the FundedNext $100K Stellar 2-Step with code INSIDE.
Which has easier rules on the $100K 2-Step?
FundedNext has the bigger daily loss (5% vs 4%) and no standard consistency rule. FXIFY has the easier 5% Phase 1 and 4 minimum days, but a 10% Phase 2. Both use a 10% static max loss.
Does FXIFY have a consistency rule?
Yes, on funded Two Phase Classic accounts no single day can be more than 25% of your total profit when you request a payout. FundedNext only adds a 40% rule if you pick its on-demand 90% payout option.
How often do FXIFY and FundedNext pay out?
FXIFY’s Classic pays every 14 days at 80%. FundedNext’s Stellar 2-Step pays its first standard payout after 21 days, then every 14 days, with faster 60% and on-demand 90% options.
What discount codes work for FXIFY and FundedNext?
Use INSIDE for 10% off FXIFY and INSIDE for 7% off FundedNext. Open the firm through our link, pick the plan and paste the code at checkout.
Ready to start your $100K challenge?
Get FXIFY for $495 with INSIDE or FundedNext for $512 with INSIDE.
This article is for information and education only and is not financial advice. Trading futures, forex and CFDs carries a high risk of loss. InsidePropFirm may earn a commission when you buy through our links, at no extra cost to you.
