Payout Pace Planner

Funded account planning

Work backwards from the payout.

Most accounts don't fail on entries. They fail because nobody worked out what a day actually needs to look like — so the number stays abstract until a single bad session settles it.

The plan

Set your account's numbers. Everything below recalculates.

Daily target — —
Days planned — —
Points per trade — —

1 The payout needsTotal profit before you can request —
2 The rule sets a floor on days— —minimum
3 You plan for moreBuffer applied so no day carries too much —planned
4 So each day needsSplit evenly across planned days —
5 Which is this much movement— —per day
6 Across your trades, that'sPer trade, if every one works —per trade

Consistency headroom

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The rule most people get wrong

Consistency is a ratio, not a ceiling on your best day

A 20% rule doesn't mean "never make more than $300." It means no single day may be more than 20% of your total profit at the moment you request. Those are different rules, and the difference is the whole game.

minimum total = your biggest day ÷ consistency rate

So a big day doesn't fail you — it raises the bar. Make $400 on day one under a 20% rule and you simply can't request until total profit reaches $2,000. The day wasn't a mistake; it just bought you a longer road.

And overshooting buys headroom. Every extra dollar of total profit raises what a single day is allowed to be. Traders who stop dead on the target are the ones who get stuck, because they've left the ratio no slack.

Why the buffer matters more than the target

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Half the daily pressure

Doubling the days halves what each one has to produce. The goal didn't get easier — the day did, and the day is the thing you actually have to execute.

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Each day's share of the total

Planning to the bare minimum puts every day right at the consistency limit, so a single good session blocks the payout. Buffer keeps each day well under the cap with room to spare.

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Days you can miss entirely

Red days and flat days happen. With buffer built in, missing some still lands the payout — without it, one bad day means the whole plan needs rebuilding.

Making the number small

A dollar target is abstract. Points are not.

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This is the whole point of the exercise. "Make $1,500" is a number you can't act on — there's no version of a trade that looks like $1,500. Broken all the way down, it becomes a handful of points on a couple of trades, which is a thing you either see on the chart or you don't.

Keep breaking it down until the daily number is small enough to be boring. If it still feels like a stretch, add days — the buffer costs you time, and time is the cheapest thing you have in a funded account.