The5ers $100K Challenge Profit Target: How Much Do You Need to Pass?

Passing a $100K prop firm challenge is not about making as much money as possible as quickly as possible. The real question is how much profit you need to reach the target without violating the daily loss or maximum drawdown rules along the way.

For the current The5ers High Stakes $100K challenge, the evaluation has two stages: 10% profit in Step 1 and 5% profit in Step 2. On a $100,000 account, that means $10,000 in Step 1 and another $5,000 in Step 2.

That distinction matters because some current search results still show an 8%/5% structure. The5ers currently lists that 8%/5% structure under its separate 2-Step Plan, while High Stakes is currently 10%/5%.

The5ers $100K Challenge Profit Targets, in Dollar Terms

The simplest way to understand the challenge is to convert every percentage into actual dollars.

The evaluation has unlimited time, so you do not need to make the $10,000 in a fixed number of days. The5ers currently lists three minimum profitable days for Step 1 and Step 2.

How many dollars does the Phase 1 profit target actually work out to on a $100K account?

For a $100,000 High Stakes account:

10% × $100,000 = $10,000

So you need to reach $110,000 in account balance to complete the Step 1 profit target, while remaining within the program's risk limits.

This does not mean you need to make $10,000 from one large trade. In fact, approaching the target as a single-trade objective can create unnecessary drawdown pressure.

A trader could instead reach the target through a series of smaller gains.

For example:

• ●20 profitable trading days averaging $500 = $10,000
• ●40 profitable trading days averaging $250 = $10,000
• ●A mixture of winning and losing days can also reach the target, provided the account remains within all rules.

The key variable is not simply the average profit per trade. It is whether the trading strategy can produce the required return while surviving the evaluation's loss limits.

How much additional profit does Phase 2 require before you're eligible for a funded account?

Step 2 requires another 5%.

On $100,000:

5% × $100,000 = $5,000

So the Step 2 target is $5,000 of profit, taking the Step 2 account to $105,000.

Importantly, the two targets should not be treated as one continuous $15,000 target. Each phase has its own evaluation account and target.

That makes the practical objective:

Step 1: +$10,000 → pass

Step 2: +$5,000 → pass

Then: funded account

The current High Stakes rules provide unlimited time for both evaluation stages.

Why the Drawdown Rule Changes How Much You Can Actually Risk to Get There

A $10,000 profit target sounds straightforward until you compare it with the amount you are allowed to lose.

The High Stakes program currently has a 10% maximum loss and a 5% daily loss limit.

For a $100K account, that means:

• ●Maximum loss: $10,000
• ●Initial daily loss allowance: $5,000, subject to the daily calculation
• ●Step 1 target: $10,000

That creates an important psychological point: the amount required to pass Step 1 is equal to the account's entire maximum-loss amount.

A trader therefore cannot reasonably think of the evaluation as simply “make 10%.” The actual challenge is:

Make 10% while preserving enough capital to avoid a 10% loss and respecting the 5% daily limit.

Is the maximum drawdown on the $100K challenge calculated from a static or trailing balance?

The current High Stakes maximum loss is an absolute 10% drawdown from the initial balance, rather than a conventional trailing drawdown.

For a $100,000 account, the absolute maximum loss is therefore $10,000.

The daily loss calculation works differently.

The5ers says the 5% daily drawdown is calculated from the higher of the previous day's closing equity or balance, measured at the daily server-time rollover.

For example, if a $100K account finishes the previous day with $110,000 in equity, the next day's 5% daily limit is based on $110,000:

$110,000 × 5% = $5,500

The account would breach the daily limit if equity fell below $104,500 during that day, according to The5ers' example.

This is why traders should monitor equity, not just closed-trade balance.

How does the daily loss limit affect how aggressively you can pursue the profit target?

It limits how much risk you can realistically deploy in a single session.

Suppose a trader risks 2% per trade on a $100K account. One full stop would equal $2,000.

Two losing trades would equal $4,000.

A third full loss could put the trader close to or beyond the daily threshold, depending on the account's daily reference level and other open-position effects.

The5ers' own recent educational material also emphasizes sizing positions against both maximum drawdown and daily loss rather than simply trying to pass faster.

For many traders, a lower fixed risk percentage makes the evaluation psychologically easier because a single losing trade does not consume a large portion of the available daily loss allowance.

Minimum Trading Days and Consistency Requirements on the Way to Passing

The current High Stakes rules list three minimum profitable days for Step 1 and three for Step 2. The funded stage also requires three profitable days for scaling.

Is there a minimum number of profitable trading days required before you can pass the $100K challenge?

Yes.

The current High Stakes specification lists:

• ●Step 1: 3 profitable days
• ●Step 2: 3 profitable days
• ●Funded scaling: 3 profitable days

A profitable day is not simply any day that closes slightly positive.

The5ers defines a profitable day as one where closed positions generate at least 0.5% of the initial account balance, using its stated calculation methodology.

For a $100K account, 0.5% equals:

$500

So traders should understand the difference between having a positive day and having a day that qualifies under the program's definition.

Does a consistency rule limit how much of your total profit can come from a single trading day?

The current High Stakes evaluation information does not list a percentage-based consistency rule for the two evaluation phases.

Instead, the key evaluation requirements are the profit targets, minimum profitable days, maximum daily loss and maximum loss.

This is another reason to distinguish High Stakes from other The5ers products and promotional plans. The5ers has multiple evaluation structures, and their rules are not interchangeable.

For traders comparing programs, checking the exact rulebook for the specific product is more useful than assuming every The5ers challenge uses the same conditions.

Related Read: The5ers No Consistency Rule Model

The Step 1 Reward: What You Can Earn Before You've Passed Anything

One of the more unusual features of the current High Stakes structure is that progress through the evaluation can generate HUB Credit.

The reward is not the same as receiving a cash payout from a funded trading account.

What is the Step 1 reward for a $100K High Stakes account?

The current High Stakes payout-policy page says:

• ●Pass Step 1 → 10% of the initial program fee as HUB Credit
• ●Pass Step 2 → 20% of the initial program fee as HUB Credit
• ●Funded stage → 70% refund, subject to the stated conditions.

HUB Credits are not withdrawable cash. They can be used toward future The5ers program purchases.

The official FAQ provides a worked $100K example using a $545 program fee:

• ●Step 1: $54.50 HUB Credit
• ●Step 2: $109 HUB Credit
• ●Funded stage: $381.50 refund added to account equity

The5ers notes that pricing can determine the actual dollar amount, so traders should check the current checkout price rather than assuming the $545 example is the current purchase price.

Does the Step 1 reward count toward the profit needed to pass Step 2?

No.

The HUB Credit is a separate reward associated with completing the stage. It does not replace the 5% Step 2 trading-profit target.

For the $100K High Stakes structure, the trader still needs to achieve the Step 2 trading objective of $5,000 while respecting the applicable rules.

That distinction is important when calculating the actual amount of trading profit needed.

What Comes After Passing: Funded-Account Targets and Payout Math

Passing the evaluation is not the end of the High Stakes framework. The funded stage is where the program's scaling model becomes particularly relevant.

The current High Stakes program starts funded traders at an 80% profit split, with the potential to scale the split to 100%.

Once funded, what profit split do you start at, and how does it scale?

The current scaling table begins with an 80/20 profit split.

As the account grows, the split changes:

The5ers currently lists High Stakes scaling up to $500,000.

At $350K, $400K and $450K levels, the table shows 100% profit share plus a $4,000 fixed payout; at $500K, it shows 100% plus a $10,000 fixed payout.

These are scaling milestones rather than instant increases simply because a trader makes one profitable trade.

How does the scaling plan turn early funded-account profits into a larger account size?

High Stakes uses 10% profit milestones for scaling.

For example, the published table shows:

• ●$100K → $110K
• ●$125K → $137,500
• ●$150K → $165,000
• ●$175K → $192,500
• ●$200K → $220,000

The account then continues through progressively larger levels until the published $500K ceiling.

The practical appeal of this structure is that the trader's objective changes after funding.

During evaluation, the goal is to prove consistency while reaching the target.

After funding, the objective becomes protect capital, withdraw profits where appropriate, and compound through the firm's scaling milestones.

That makes the program more relevant to traders who are thinking beyond simply passing a challenge.

Related Read: The5ers: From Evaluation to Funded Trader

What Are the Payout Rules on a $100K High Stakes Account?

A trader cannot request a normal profit payout during the two evaluation phases.

The current High Stakes payout policy says payouts become available once the trader is fully funded, with requests available biweekly through the dashboard.

For a $100K High Stakes account, the current published figures are:

• ●Minimum P&L for payout: $500
• ●Payout cap: $4,000
• ●Payout frequency: every 14 days
• ●Minimum withdrawal after profit split: $150, according to the current payout-policy FAQ.

The same policy says traders can use Rise, bank transfer or crypto, although available methods should be confirmed in the dashboard when requesting a withdrawal.

How Realistic Is Passing a $100K Challenge?

There is no single win rate or number of attempts that guarantees a trader will pass.

The more useful question is whether the trader's existing strategy can generate the required return without changing risk behavior under evaluation pressure.

What does a realistic risk-per-trade profile look like?

Consider a purely illustrative model using 0.5% risk per trade on a $100K account.

That equals:

0.5% × $100,000 = $500 risk per trade

If the strategy has a 1:2 risk-to-reward structure, a full winner would theoretically make $1,000 before costs and execution differences.

This does not mean a trader should use 0.5% risk. It simply demonstrates how percentage risk translates into dollars.

A trader using smaller risk may need more trades and more time.

A trader using larger risk may reach the target faster but also consume the daily and maximum-loss buffers faster.

Because High Stakes has unlimited evaluation time, there is little structural reason to treat the challenge like a race.

How many attempts does an average trader typically need?

There is no reliable current official The5ers statistic establishing an “average number of attempts.”

Any number presented as an average should therefore be treated cautiously unless it comes from a clearly defined independent dataset.

For planning purposes, traders can instead calculate their own expected challenge cost.

For example:

Expected evaluation cost = entry fee × number of attempts

If a trader expects to need three attempts, the relevant financial question is not only whether the $100K account has attractive headline buying power. It is whether the strategy can repeatedly operate within the firm's rules.

That shifts the decision from:

“How quickly can I pass?”

to:

“Can my existing strategy survive this rule set?”

That is the more useful question when comparing prop firm evaluations.

The5ers $100K High Stakes vs Other Evaluation Structures

The biggest comparison point is not simply account size.

A $100K evaluation can have completely different practical difficulty depending on:

• ●profit target
• ●daily loss
• ●maximum drawdown
• ●minimum trading days
• ●consistency rules
• ●news restrictions
• ●overnight holding
• ●payout rules
• ●scaling conditions
• ●profit split

For the current High Stakes structure, the combination is 10% Step 1, 5% Step 2, 5% daily loss, 10% maximum loss, unlimited evaluation time and three profitable days per evaluation stage.

The5ers also allows overnight and weekend holding and permits holding open trades over news, while restricting order execution from two minutes before through two minutes after high-impact news.

That makes the rules particularly relevant for traders whose strategy depends on swing positions rather than intraday-only trading.

However, the same rule set may feel different to a scalper, swing trader, news trader or highly aggressive trader. The right comparison is therefore between the firm's rules and your trading method, rather than between headline account sizes.

Related Read: The5ers Bootcamp vs Hyper Growth vs Pro Growth vs High Stakes

Is the The5ers $100K Challenge Worth Considering?

For a trader evaluating High Stakes, the most important numbers are easy to summarize:

Step 1: Make $10,000.

Step 2: Make another $5,000.

Maximum loss: $10,000.

Daily loss: 5%, calculated using The5ers' published daily reference method.

Minimum profitable days: 3 in each evaluation stage.

Evaluation time limit: Unlimited.

Starting funded profit split: 80%.

Scaling: 10% milestones, with the published pathway reaching $500K.

The important takeaway is that the $100K label should not be mistaken for $100K of personal trading capital. The program operates as a simulated evaluation environment, and the firm's published terms govern how the account is evaluated and scaled.

For traders considering a purchase, the most useful next step is to compare the current High Stakes rules against their own historical risk per trade, average losing streak, typical holding period and expected monthly return.

Check this out: The5ers High Stakes

Summary

The5ers' current $100K High Stakes challenge requires a trader to make $10,000 in Step 1 and $5,000 in Step 2.

But the profit target is only half of the calculation.

A trader also needs to remain within the 5% daily loss and 10% maximum-loss limits, complete the required profitable days and manage risk consistently.

After funding, the program shifts toward payouts and account growth. The current structure starts at an 80% profit split, uses 10% scaling milestones and provides a published path toward $500K.

For traders comparing evaluations, the key question is therefore not simply whether a $100K account sounds attractive. It is whether the firm's targets, drawdown mechanics, trading restrictions and scaling model fit the way you already trade.

For more prop firm comparisons, scaling guides, payout explainers, and trader education, explore Prop Firm Insider.