A $1M Funded Account: What It Costs and the Rules You Trade Under

A 1 million funded account at OctoFunded costs from $6,999 list, or $6,299.10 with the public code OFF10, and a 1.5 million funded account costs from $10,519, or $9,467.10. Both are Perpetuals accounts on simulated capital with a 90% split.

Those are the prices. The question that matters more is what the rules mean in dollars, because at this size every percentage turns into a five-figure number.

A plain note before the tables: below is the full price list and every limit, worked out to the dollar.

Key takeaways

• $1,000,000 and $1,500,000 are Perpetuals sizes. They are our largest prop firm accounts, and they trade crypto, US stocks, gold and oil, 24/7, weekends included.
• Three programs at each size: 2-Step, 1-Step and Instant.
• Cheapest route: the 2-Step, $6,999 for $1M and $10,519 for $1.5M, before OFF10.
• Every limit scales with the size: on $1M, a 3% daily loss is $30,000.
• 90% split on all three programs, paid in USDT or USDC with a public transaction hash, subject to the program rules.
• Fee refunded with the first payout on the 1-Step and the 2-Step.

What does a $1M or $1.5M account cost?

A $1M account costs $6,999 to $14,399 and a $1.5M account costs $10,519 to $20,399, depending on the program.

Prices checked 25 October 2026. List price / price with OFF10.

Put another way, the $1M 2-Step costs 0.70% of the account size, and the $1.5M 2-Step costs about 0.70% too ($10,519 / $1,500,000). The extra $500,000 of simulated capital costs $3,520 more on the 2-Step list price.

Which market offers the largest prop firm account here?

The largest prop firm account OctoFunded sells is $1,500,000, and only the Perpetuals market goes that high.

So a $1M account means Perpetuals. You trade crypto, US stocks, gold and oil, and the market is open on weekends. The full market guide is our page on the Perpetuals 24/7 market. If you prefer dated contracts, the Futures market tops out at $400,000.

The rules you trade under, in dollars

The rules at $1M and $1.5M are the standard Perpetuals rules. Only the dollar amounts grow.

Now the same rules converted to dollars.

Prices checked 25 October 2026. List price / price with OFF10.

The arithmetic for $1,000,000: 4% is $40,000, 6% is $60,000, 7% is $70,000, 3% is $30,000. For $1,500,000: 4% is $60,000, 6% is $90,000, 7% is $105,000, 3% is $45,000.

One thing these tables make obvious. The percentages are identical to a $100,000 Perpetuals account. A $1M account is not looser. It is the same rulebook with a zero added to every number. If you want to see a smaller account in the same format, our $100K funded account breakdown does it for $100,000.

A worked example: one week on the $1M 1-Step

Here is an illustrative example in dollars, with made-up results. It is not a record of a real trader or a real payout.

You buy the $1,000,000 Perpetuals 1-Step for $7,019.10 with OFF10, paid in USDC. Your limits: $30,000 daily loss, $60,000 max loss, $60,000 target.

You decide to risk 0.5% per trade, which is $5,000. At that size the $30,000 daily loss takes six straight full losses, and the $60,000 max loss takes twelve. Our guide to risk per trade explains why a fixed fraction like this is the starting point, and the one on position size shows how to turn $5,000 of risk into an order.

Illustrative figures. How the max loss is measured is set out in the program rules.

Three things to see in that week:

1. Thursday used $21,000 of a $30,000 daily allowance. One more $9,000 loss would have hit the daily limit. On a $1M account, one bad afternoon is a five-figure number.
2. Saturday counted. The Perpetuals market is open on weekends, so a weekend trade was a trade you could take. If weekend risk is new to you, read about weekend holding first.
3. After a week, the account is at +$11,000 of a $60,000 target. With no time limit and no minimum days, the remaining $49,000 can take as long as it takes.

If you later trade the funded account, also on simulated capital, and close $40,000 of simulated profit inside the rules, your share at 90% would be $40,000 x 0.90 = $36,000, and the $7,799 1-Step fee is refunded with the first payout, subject to the program rules. Those figures are arithmetic on made-up numbers, not a forecast.

Is a 1 million funded account right for you?

A 1 million funded account suits you only if your normal position size already fits inside a $30,000 daily loss without strain.

Ask yourself three questions before you buy:

• Have you traded a smaller account under the same rules? The percentages do not change between $100,000 and $1,000,000. If 3% daily is tight for you at $100,000, it is just as tight at $1M.
• Does the price fit your budget if the account ends? The fee is refunded with the first payout on the 1-Step and the 2-Step, not when you pass. See the challenge fee refund for why.
• Do you understand what the account is? Every OctoFunded account uses simulated capital. Our page on whether a funded account is real money answers that in full.

If the answer to all three is yes, the $1M and $1.5M rows are there. If not, the same Perpetuals rules start at $2,000 on the Instant and $5,000 on the 1-Step.

How do you pay and get paid at this size?

You pay for a $1M or $1.5M account in crypto and receive payouts in stablecoins with a public transaction hash, the same way as every other size.

1. Pay with USDT on TRC20 or ERC20, USDC, BTC, ETH or SOL. At five figures, check the network twice. Our crypto prop firm guide covers the common mistakes.
2. Use OFF10 for 10% off. On the $1.5M Instant that is $2,039.90 off the list price.
3. Get paid in USDT or USDC at a 90% split, subject to the program rules.
4. Check the payout yourself: here is how to verify a payout transaction hash.

FAQ

How much does a $1M funded account cost at OctoFunded?

On the Perpetuals market, $6,999 on the 2-Step, $7,799 on the 1-Step and $14,399 on the Instant, before the public code OFF10 takes 10% off. Prices checked 25 October 2026.

Is there a 1.5 million funded account?

Yes, on the Perpetuals market: $10,519 on the 2-Step, $11,799 on the 1-Step and $20,399 on the Instant, before OFF10. Prices checked 25 October 2026.

What is the max loss on a $1,000,000 1-Step account?

6% of $1,000,000, which is $60,000, with a 3% daily loss of $30,000. The profit target is also $60,000.

Is a $1M funded account real money?

No. OctoFunded accounts at every size use simulated capital. A payout is a reward paid under the program rules, not a withdrawal from a live trading account.

What is the largest account OctoFunded sells?

$1,500,000, on the Perpetuals market. Classic accounts go up to $400,000 on the 1-Step and 2-Step, and Futures accounts go up to $400,000 on the 1-Step.

Know every number before you size up

A $1,000,000 OctoFunded Perpetuals account starts at $6,999 and a $1,500,000 account at $10,519, on simulated capital with a 90% split, no time limit and a fee refund with the first payout on the 1-Step and the 2-Step. Use OFF10 for 10% off and pay in crypto.

See $1M and $1.5M prices