For people who have not bought a challenge yet
About 7 of every 100 people who pay for a challenge ever receive a payout — that is the published record, from 300,000 accounts. Every site that ranks firms is paid 8–25% of your fee when you buy, so none of them can print that number first. We don't take money from prop firms. Pick your exact program below: the tool computes what it really costs to a first payout, checks your style against its written rules, and tells you when the answer is don't buy yet.
Pick the exact program you are about to buy, say honestly where your experience stands, and tick the styles that are actually yours. The tool computes the expected cost to a first payout from the published rates, checks your style against that program's written rules, and names the cheaper door when the answer is no. Nothing you enter leaves your browser.
The four answers
Your declared record says the free rehearsal comes first: 20 demo sessions under this program's exact rules. The verdict names the test and the pass line.
The rules are identical at every size; only the ticket changes. The verdict re-prices your expected cost at the smallest size of the same program.
Your style is banned, discounted or voidable under this program's written rules — the verdict quotes the rule before your money meets it.
The arithmetic is survivable for your profile and your style survives the rulebook. The verdict still prints the 90% budget and the simulated-account fact.
The verdict gives you the expected cost and the rule that applies to you. The Challenge Odds Kit gives you, program by program, the before-you-buy checklist, the style-versus-rules worksheets, the expected-cost workbook, and the payout-protection playbook: how to never hand a firm the excuse to refuse your payout.
Included in the $39 Challenge Odds Kit
The dataset
Every fee and rule the checker uses is published on the programs page with its check date — list prices only, because promotions rot (one tracked evaluation was seen at $13.36 against a $167 list). Firm-published pass rates are used where they exist, with their denominators; the industry base rate fills the rest, labelled.
Why we can print this
Firms pay affiliates 8–25% of every challenge fee — including resets and the ~2.6 repeat challenges the average buyer purchases each year. A site on that stream cannot lead with "7 in 100," cannot print an expected cost larger than the ticket, and cannot say "don't buy yet." We sell one workbook, once, for $39 — so the verdict can go where the arithmetic goes. Educational content. Not financial advice.
The family · StartOrWait
Then the challenge question comes second. Start with the verdict at StartOrWait: start, or wait — computed from your capital, your market and your own regulator's published loss number, by a site that takes no money from brokers either.
The family · CheckBeforeDeposit
The challenge is only half the deposit question. CheckBeforeDeposit computes your country × broker pair: which entity would hold your money, what your own regulator says about the platform, and whether money that goes in can come out — check the deposit side first.