Every 90 days a funded CFD account at WhitePips is checked against four conditions. If all four are met, the account grows by 30% and the profit split rises by 5 points, to a maximum of 95%. The growth continues cycle after cycle until the account reaches its cap: $680K on Edge and Prime, $340K on Instant.
A $100K Edge account that meets every cycle reaches $680K after eight cycles, which is about two years. Along the way the split moves from 80% to 85%, 90% and then 95%, where it stays. The arithmetic is simple and the conditions are published, so the whole path can be planned in advance.
This post sets out the four conditions, works through the $100K example cycle by cycle, and explains what restarts a cycle. The shorter piece on how a profit split grows covers why a split moves at all; this one is the detail.
The four conditions checked every 90 days
At the end of each 90-day cycle the account is checked for all of the following:
- At least 50 closed trades in the cycle.
- Net profit of at least the plan's scaling target, measured on the current account size: 12% on a 1 Step plan, 10% on a 2 Step plan and 15% on Instant.
- Profitable months: at least 2 of the 3 months on an Edge evaluation plan, and all 3 of 3 on Instant and Prime.
- No single-trade concentration breach during the cycle.
All four have to be true. Fifty trades with 8% profit does not scale; 15% profit in one month and two losing months does not scale on Instant or Prime. The conditions are designed so that an account grows on a record of steady, repeated trading rather than on one good fortnight, which is also the kind of trading that survives the larger limits once it is scaled.
Note the difference between the scaling target and the evaluation target. Passing an Edge 1 Step took 10%; growing it takes 12% of the current size within a 90-day window. On a 2 Step the evaluation was 7.5% then 5%, and the scaling target is 10%. Instant plans have no evaluation at all, so their 15% is the first target the account ever meets.
What a cycle met gives you
When the four conditions are met, two things change at once.
- The account size grows by 30%. The plan's rules are unchanged; its percentages are now percentages of a larger account.
- The profit split rises by 5 points, up to 95%. On Edge that is 80% to 85%, then 90%, then 95%. On Instant the split can rise at most 15 points above its base and never past 95%. Prime splits are fixed and do not move with scaling; the Prime account still grows.
Both changes compound. A larger account means the same percentage of profit is more dollars, and a larger split means more of those dollars are yours. The two effects together are why the third and fourth cycles are worth so much more than the first, as the example below shows.
Worked example: $100K Edge 1 Step through the cycles
Start with a $100K Edge 1 Step on an 80% split. The scaling target is 12% of the current size. Growth is 30% per cycle, rounded to the dollar here.
- Cycle 1, $100,000: needs $12,000 net profit. Met, the account becomes $130,000 and the split 85%.
- Cycle 2, $130,000: needs $15,600. Met, $169,000 and 90%.
- Cycle 3, $169,000: needs $20,280. Met, $219,700 and 95%. The split is now at its maximum.
- Cycle 4, $219,700: needs $26,364. Met, $285,610.
- Cycle 5, $285,610: needs $34,273. Met, $371,293.
- Cycle 6, $371,293: needs $44,555. Met, $482,681.
- Cycle 7, $482,681: needs $57,922. Met, $627,485.
- Cycle 8, $627,485: needs $75,298. Met, 30% growth would give $815,731, so the account stops at the $680,000 cap.
Eight cycles is 720 days. Over that time the account has grown 6.8 times and the trader's share of each dollar of profit has gone from 80 cents to 95 cents. In the first cycle the 12% target, paid at 80%, was worth $9,600 to the trader. In the seventh cycle the same 12% target, paid at 95%, was worth about $55,000. Nothing about the trading changed; the account under it did.
On a 2 Step plan the path is the same with a 10% target: $10,000 in the first cycle, $13,000 in the second, and so on. On Instant Pro the target is 15% and the cap is $340K, so a $100K Instant Pro reaches $130,000, $169,000, $219,700 and $285,610, and the fifth cycle takes it to the cap rather than to $371,293.
The caps: $680K on Edge and Prime, $340K on Instant
Growth stops at $680,000 on Edge and Prime plans and at $340,000 on Instant plans. The split stays where scaling left it, 95% at most. Once at the cap the account carries on as a funded account of that size; the cycles no longer change it.
The cap is the same whatever size you started with, so a $25K Edge and a $200K Edge both end at $680K if every cycle is met. The difference is how many cycles it takes: starting at $200K, the sixth cycle (from $742,586 before capping) reaches it; starting at $25K, it takes thirteen. That is one of the arguments in choosing an account size you can actually trade: a smaller account traded well arrives at the same place, a few cycles later, for a much smaller fee.
What resets a cycle
A warning restarts the cycle. Any warning on the account during the 90 days sends the cycle back to its start: the 50 trades, the profit and the profitable months are counted afresh. The account itself is not affected beyond whatever the warning already did; it is the scaling clock that resets.
On the CFD plans the rules that produce a warning rather than an immediate breach include Max Exposure, the Max Floating Loss per Symbol on Instant plans, and the Friday close without the Weekend Holding add-on. Each of them is survivable on its own, and each of them costs a cycle. The trading rules list every rule and what it does.
A cycle that simply falls short is different. Forty-five trades, or 10% instead of 12%, is not a breach of anything. Nothing happens to the account; the next 90 days are checked in their turn. There is no deadline for reaching the cap and no penalty for growing slowly, which fits the rest of the plan design: as why there is no deadline argues, the clock is removed so that the trading does not have to race it.
Trading the scaled account
The most common mistake after a scale is to treat the new size as permission to trade larger immediately. The limits have grown by 30%, but so has the dollar value of every mistake. A trader who was risking 1% of $100,000 is now risking 1% of $130,000; the lot sizes grow by 30%, and no more. A trader who jumps straight to the lot sizes the new limits would tolerate has thrown away the margin of safety that met the first cycle.
The conditions themselves are a reasonable description of a trading routine: fifty or more trades in three months, a profit most months, no single trade that carries the quarter. A trader who keeps that routine from the first cycle to the eighth does not have to change anything to scale. The firm changes the account; the trader keeps doing what passed the evaluation.
Nothing about the trading changed between the first cycle and the seventh. The account under it did, and so did the share of each dollar that was the trader's.
Questions traders ask
How often is a funded account scaled? Every 90 days, if the cycle's four conditions are met: 50 closed trades, net profit of 12%, 10% or 15% of the current size depending on the plan, profitable in 2 of 3 or 3 of 3 months, and no single-trade concentration breach. Each cycle met adds 30% to the account.
How high can the profit split go? 95%. It rises 5 points per cycle met, so an 80% Edge split reaches 95% after three cycles. On Instant the rise is capped at 15 points above the base split; Prime splits are fixed.
What is the maximum account size? $680,000 on Edge and Prime, $340,000 on Instant. From $100K that is eight cycles on Edge and five on Instant, if every cycle is met. The plan pages on CFDs show the starting sizes and prices.