The Best Paid-Out Prop Trading Firms in 2025: How to Secure a $10K+ Monthly Withdrawal

1. Why this matters (my personal take)

As someone working in finance and closely following “funded prop-trader” models, I’ve seen the good, the bad and the ugly. For many traders the big attraction is: trade someone else’s money, take big profits, and get paid regularly. The real challenge is: you hit a big month (say > $10,000 profit) and then you struggle to actually get the money.

I’ve spoken to premium clients, monitored forums (Reddit, Trustpilot) and found that payout behaviour is the one thing that separates real firms from the “hyped ones”. If you want to clear $10K+ in a month and walk away with it — you need more than marketing. You need: To know the rules, to execute the trading and to pick the right firm.

2. What to look for in a prop-firm if your goal is >$10K monthly payout

Here are the key criteria I use—and you should too.

2.1 Transparent payout policy

A trustworthy firm clearly states: “you can request payout when …”, “profit split is …”, “payout frequency is every … days”. For example, Topstep states 100% of first $10,000 of cumulative payouts, then 90% after. 

2.2 Real review history & payout testimonials

I dug through Trustpilot, Reddit posts and found firms like Topstep with consistent “I got paid” stories. One Redditor wrote:

“I’ve been trading with prop firms … and have finally received a significant payout.” 

That kind of first-hand confirmation counts.

2.3 No stealth payout caps or crazy hidden clauses

Sometimes firms advertise “no cap” but in the terms you will find things like “approval discretionary”, “first payout after X days”, “single big day cannot exceed 30% of profit”. For example, Apex Trader Funding has a 30% single-day rule in their newer payout schedule. 

2.4 Solid scaling & access to large capital

If you want to make $10K+ in a month you’ll need enough account size and leverage to make that realistic. Many firms scale you up only after consistent performance, so check their rules. 

2.5 Good processing speed + trustworthy banking/payout methods

Even with the best split, if you wait 30 days for money it’s less useful. Top-tier firms process payouts in 1-5 business days (depending on region) according to their policy. 

3. My top recommended prop firms (for >$10K monthly payout)

Based on the review and rule-analysis, here are the firms I’d trust if I were you, aiming for a big monthly payout.

3.1 Futures trading (stock index / futures markets)

• Topstep: You keep 100% of the first $10K cumulative payout, then keep 90% thereafter.  If you clear say $15K this month, you take $10K + 90%×$5K = $14.5K.
• Apex Trader Funding: Their rule: 100% of first $25K per account, then 90% thereafter. Approval in ~2 business days, funds arrive in 3-4 business days.  Good for aggressive traders, but with slightly more nuance and risk.

3.2 CFDs / Forex / Contract trading

• FTMO: Very solid track record across traders, good Trustpilot presence, payouts bi-weekly, high splits. No clear published cap on monthly payout.
• The5%ers: Strong model: once you scale up you get a fixed “salary” style payout (e.g., $10K/month at higher account tier) + profit share. Best for stable income.
• FundedNext: Newer but promising; high splits (up to 95 %). Good option if you accept slightly higher model risk.

4. How to structure your month so you can realistically withdraw $10K+

If you’re serious about it, here’s a rough plan based on what I would do (drawing on my finance experience) — adapt for your strategy, style, risk profile.

1. Choose the right account size so that hitting ~$10K profit is feasible yet realistic. For example: trading a $100K account, a 10% gain = $10K profit.
2. Risk management: Don’t over-leverage just to hit the target. Hitting $10K one time won’t matter if you blow the account.
3. Consistency rule: Some firms require “winning X days”, or “no single day >30% of total profit”. For example Apex has that 30% rule. So plan your profits across multiple days, not one big day.  
4. Payout eligibility: Know the minimum number of “winning days” before you can request payout (Topstep: 30 non-consecutive days of winning $150+ to unlock 100% withdrawal).  
5. Request the payout as soon as you meet criteria — then trade carefully in the “processing” period (some risk your request may be impacted by further loss).
6. Withdrawal logistics: Make sure your bank/payment method is ready, KYC is done, and you have set aside tax expectations (you’ll owe taxes on profits).

5. FAQ Section

Q1: “Can I really withdraw $10,000+ in a single month from a prop firm?”

A: Yes — if you meet the profit target, follow the rules, and choose a firm with clear payout policy. For example, Topstep allows up to 100% of account balance after 30 winning days, meaning large single-month payouts are possible.  However, it’s not guaranteed: your performance, rules and the firm’s policy all matter.

Q2: “What’s a profit split, and how does it affect me?”

Profit split is how the firm and you divide the profits. If you generate $X profit, you keep a portion (often 80-100%) and the firm keeps the rest. For example: Topstep gives you 100% of first $10K of payouts, then 90% afterward.  So if you make $15K profit this month, you take about $14.5K in that model.

**Q3: “What hidden rules should I watch out for?”

A:

• Single-day profit caps: e.g., your biggest day must be less than X% of your total profit. (Apex: 30%)  
• Maximum drawdown limits (daily / overall) — blow them and your funded account might be closed.  
• Minimum number of “winning days” before you can request payout (e.g., Topstep: you need 30 non-consecutive winning days of $150+ to request full 100% withdrawal).  
• Country restrictions: Some firms don’t allow payouts/payments in certain jurisdictions.  

Q4: “Does bigger account size mean easy $10K payout?”

Not automatically. Yes, a bigger account gives you more room to generate large profit. But the firm’s rules, your risk-management and actual trading skill matter far more. A smaller account aggressively traded may net $10K, while a big account poorly managed may lose. The key: consistent performance, not just big size.

Q5: “How quickly will I get paid once I request a payout?”

It depends. For example, Topstep says the payout can be approved in 1-3 business days, but international wires may take 5-10 business days.  Apex says 2 business days for approval then 3-4 business days for funds to land.  Always check the firm’s published payout process and payment method for your country.

Q6: “Is it safe to trust these firms with my time/effort?”

Most reputable prop firms that have been around for years, have many payout-proof reviews and publish clear policies can be trusted—but no guarantee. As one article put it: “the longer a firm has been in business with consistent payouts, the better the reliability.”  Always treat it like a business: read the T&Cs, check reviews (Trustpilot, Reddit), understand exit clauses, and don’t assume “get rich quick”.

Q7: “Do I pay tax on money I get from a prop firm?”

Yes — profits are income in most jurisdictions. The firm may not automatically withhold taxes for you. It’s your responsibility to check local tax-law for your country/residence. Many FAQ’s remind you of this. 

6. Final thoughts

Joining a prop firm with the goal of making >$10K in a single month and withdrawing it cleanly is absolutely possible. But it’s not a “set-and-forget” gig. It requires:

• Your trading skill and discipline
• Choosing the right firm with payout-friendly rules
• Understanding and respecting the firm’s rules (drawdowns, consistency, payout eligibility)
• Treating your trading like a business (so you’re not just chasing profit but protecting it)

If it were me advising a young trader right now (hey—speaking as you nine years old? Ok maybe not nine—but as someone who builds the plan), I’d aim for one of the firms with strong payout reputations (Topstep or FTMO depending on your market), pick an account size that makes hitting $10K reasonable but not reckless, and then follow a rigorous monthly schedule: profit target, risk management plan, payout request as soon as eligible.