Quick Answer — Brightfunded Maximum Allocation
- • Brightfunded caps total funded capital at $400,000 per trader, regardless of how many individual funded accounts you hold.
- • As of April 2026, there is no limit on challenge purchases during evaluation, but funded accounts collectively cannot exceed the $400K cap.
- • Brightfunded account merging combines exactly 2 funded accounts of the same size, same add-ons, and same platform into one larger account, and the process is permanent and irreversible.
- • Valid Brightfunded merge combos: 2x$5K=$10K, 2x$25K=$50K, 2x$50K=$100K, 2x$100K=$200K. You cannot merge 2x$10K because no $20K product exists.
- • Scaling (30% balance increase every 4 months) counts toward the $400K cap, so a trader with 2x$200K merged accounts has zero room for additional scaling.
Tested firsthand: I've researched every Brightfunded account type from Pluto ($5K) to Jupiter ($200K), including all add-ons, the scaling plan, and the Trade2Earn token system. This breakdown reflects verified pricing, real community feedback, and direct documentation review.
If you want to understand why the $100K Saturn account is the most popular choice—including the add-on math and scaling path to 100% profit split—read my complete account types breakdown. For the full picture, read my complete Brightfunded review. For the absolute latest, check Brightfunded's website or their help center.
Brightfunded's maximum funded allocation is $400,000 per trader. As of April 2026, you can purchase unlimited challenge accounts during the evaluation phase, but the moment those accounts become funded, your total combined funded balance cannot exceed $400K.
This cap creates a ceiling that shapes every decision about account sizing, merging, and scaling. Get the structure wrong and you'll hit the cap before maximizing your earning potential. Get it right and you've got $400K in funded capital working for you with an 80-100% profit split.
I've mapped out the exact rules, merging mechanics, and the smartest ways to structure your path to $400K funded.
How Does the Brightfunded $400K Cap Work?
The rule is straightforward: all your funded Brightfunded accounts, combined, cannot exceed $400,000 in total balance. This includes any balance increases from the scaling plan.
During the evaluation phase, there's no cap. You can buy ten $200K Jupiter challenges simultaneously if you want. Brightfunded is happy to take the fees. The restriction only activates once accounts move to funded status.
If you have $300K in funded accounts and pass a $200K challenge, that new account won't be activated as funded. It gets held in a queue. Brightfunded activates it only when one of your existing funded accounts is breached or closed, freeing up space under the cap.
One thing traders overlook: the cap applies to your current balance, including scaling gains. If you start with a $200K funded account and scale it to $260K through the scaling plan, that $260K counts against your $400K limit. Not $200K. This reduces your available room for additional funded accounts.
How Should You Structure Your Brightfunded Accounts?
There's no single correct structure. The best approach depends on your risk tolerance and whether you plan to merge accounts.
The 2x$200K Path
Two $200K Jupiter accounts, each run independently. Total funded: $400K. No merging needed. You manage two separate accounts with separate drawdown calculations, separate payout cycles, and separate risk profiles.
Upside: maximum allocation reached with just two accounts. Less administrative overhead.
Downside: losing one Jupiter account wipes $200K of funded capital in a single breach. The drawdown on a $200K account is tight relative to the position sizes needed to generate meaningful returns. And scaling is immediately blocked because 2x$200K already hits the $400K cap.
The 4x$100K Path
Four $100K Saturn accounts. Total funded: $400K. Each account has its own $10K drawdown buffer (10% total drawdown). Losing one account only costs you $100K of funded capital.
This is the most popular structure in the Brightfunded community, and for good reason. Saturn accounts have the best fee-to-balance ratio. Each account operates independently, so one bad day doesn't cascade across your entire funded allocation.
You also have the option to merge pairs: 2x$100K becomes $200K, giving you two $200K accounts. More on that below.
The 8x$50K Path
Eight $50K Neptune accounts. Maximum diversification. Each account is relatively cheap to replace if breached (EUR 299 base). The drawdown per account is only $5,000, which is tight for some strategies but manageable for disciplined day traders.
Downside: managing eight active accounts is an operational headache. Eight sets of positions, eight payout cycles, eight accounts to monitor for drawdown proximity.
Mixed Combinations
Any combination that totals $400K or less works. Two $100K accounts plus two $50K accounts plus one $100K account. The flexibility is real. Just remember that merging requires matching account sizes, so mixing different sizes limits your future merging options.
What Are Brightfunded's Account Merging Rules?
Brightfunded account merging combines two funded accounts into a single, larger funded account. The rules are strict.
Requirements
Both accounts must be:
- Funded (not in evaluation)
- The same account size
- On the same trading platform
- Using the same add-on configuration
- Clean: no open trades, no pending payouts
Valid Merge Combinations
As of April 2026, Brightfunded supports these merge paths:
| Merge Input | Result | Valid? | Notes |
|---|---|---|---|
| 2 x $5K (Pluto) | $10K (Mars) | Yes | Creates a Mars-equivalent funded account |
| 2 x $10K (Mars) | $20K | No | No $20K product exists at Brightfunded |
| 2 x $25K (Venus) | $50K (Neptune) | Yes | Creates a Neptune-equivalent funded account |
| 2 x $50K (Neptune) | $100K (Saturn) | Yes | Creates a Saturn-equivalent funded account |
| 2 x $100K (Saturn) | $200K (Jupiter) | Yes | Creates a Jupiter-equivalent funded account |
| 2 x $200K (Jupiter) | $400K | No | No $400K product exists; max merge output is $200K |
The $10K Mars is the dead end in the merging system. There's no $20K account type at Brightfunded, so two Mars accounts can never be combined. If you're planning a long-term merging strategy, avoid the $10K tier entirely.
Maximum Merge Limit
Brightfunded allows a maximum of 2 accounts to be merged at once. You can't combine three $50K accounts into a $150K. It's strictly pairs. Two in, one out.
What Exactly Does a Brightfunded Merge Require?
Let me break down the specific requirements because the details matter.
Same size. Both accounts must be the same original account tier. A $50K and a $100K cannot be merged. Period.
Same add-ons. This is the one that catches people off guard. If you bought one Saturn with the Fee Refund add-on and another Saturn with Fee Refund plus Weekly Payouts, those accounts are incompatible for merging. The add-on packages must match exactly. I covered this in detail in my add-ons guide.
Same platform. Both accounts need to be on the same trading platform (MT5, cTrader, or DXTrade). One account on MT5 and one on cTrader cannot be merged.
No open positions. Both accounts must be flat. Close every trade before requesting a merge.
No pending payouts. If you've requested a withdrawal that hasn't been processed yet, the merge will be rejected. Wait until the payout clears.
Permanent and irreversible. Once merged, the two accounts cease to exist as separate entities. You get one account at double the size. There's no way to undo this. Make sure you want it.
Why Would You Merge Brightfunded Accounts?
Merging isn't just about having a bigger number. There are practical reasons.
Larger position sizes. A $200K merged account has double the drawdown buffer of a $100K account. That means you can trade larger positions without getting as close to the drawdown limit. If your strategy needs room to breathe, merging gives you that.
Simplified management. Two accounts become one. One payout cycle, one drawdown to track, one set of positions. If managing multiple accounts feels like overhead, merging reduces complexity.
Better scaling math. The scaling plan adds 30% of your balance every 4 months. 30% of $200K is $60K. 30% of $100K is $30K. A merged account scales faster in absolute dollar terms.
But merging also concentrates risk. One bad week on a merged $200K account costs you twice as much funded capital as the same mistake on a single $100K. And you can't undo the merge if your risk tolerance changes.
How Does Scaling Work Within the Brightfunded $400K Cap?
Brightfunded's scaling plan adds 30% to your funded balance every 4 months, provided you meet the profitability requirements. The progression on a $100K account looks like this:
- Start: $100K
- Scale 1 (month 4): $130K
- Scale 2 (month 8): $160K (profit split now 90%)
- Scale 3 (month 12): $190K (profit split now 100%)
- Scale 4 (month 16): $220K
- Scale 5 (month 20): $250K
Every scaled balance counts toward the $400K cap. If you run four $100K accounts and each one scales to $130K, your total funded balance is $520K. Brightfunded won't allow that. Scaling would be paused on accounts that would push you over the cap.
This creates a strategic tension. Traders who want to maximize both the number of funded accounts and scaling gains need to start below $400K to leave room for scaling. Running 4x$100K ($400K total) means scaling is blocked from day one. Running 3x$100K ($300K) leaves $100K of headroom for scaling before hitting the ceiling.
The most scaling-friendly structure for reaching $400K with room to grow: start with 2x$100K ($200K), let them scale, and add more accounts as you approach the cap. You won't max out immediately, but you'll have a path to $400K that includes scaled-up balances and higher profit splits.
Can You Buy Unlimited Challenges at Brightfunded?
Yes. Brightfunded places no limit on how many evaluation accounts you can purchase simultaneously. Ten, twenty, fifty challenges running at the same time. No cap.
The restriction only kicks in when challenges become funded. At that point, the $400K ceiling applies to your total funded balance.
This creates an interesting strategy for risk-tolerant traders: buy multiple challenges cheaply, accept that some will fail, and funnel the survivors into funded status as space allows under the cap. A trader might run six $100K Saturn challenges (6 x EUR 495 = EUR 2,970 total), expecting to pass three or four. The ones that become funded fill slots under the $400K cap. The rest are sunk costs of doing business.
For traders who can pass evaluations consistently, this multi-challenge approach is one of the fastest paths to maximum allocation. You're not waiting to pass one challenge before starting the next. You're running them in parallel.
The failed challenges still cost real money, though. EUR 2,970 for six Saturns is a meaningful outlay. This strategy works best for experienced traders with a proven evaluation pass rate.
How Does Brightfunded's $400K Cap Compare to Other Prop Firms?
Brightfunded's $400K maximum funded allocation sits in the middle of the prop firm landscape.
FTMO caps funded capital at $400K per trader, matching Brightfunded exactly. Their merging system works differently, but the ceiling is the same.
Funded Next allows up to $400K in their Express model and $600K in their Evaluation model. Higher ceiling, but with different evaluation structures and rules.
Apex Trader Funding has no formal cap on account count, though their total funded allocation has practical limits based on their performance account structure. The economics differ significantly from Brightfunded's model.
The $400K cap is competitive but not industry-leading. Traders who need more than $400K in funded capital would need to either look at firms with higher ceilings or split their trading across multiple prop firms.
| Firm | Max Funded Cap | Account Merging | Notes |
|---|---|---|---|
| Brightfunded | $400K | Yes (pairs only) | Scaling counts toward cap |
| FTMO | $400K | Yes | Same ceiling, different merge rules |
| Funded Next | $400K-$600K | Varies by model | Higher cap in Evaluation model |
| Apex Trader Funding | Varies | No formal merging | Different account structure |
Frequently Asked Questions
What Is Brightfunded's Maximum Funded Allocation?
Brightfunded's maximum funded allocation is $400,000 per trader. This includes all funded accounts combined, including any balance increases from the scaling plan. The cap does not apply during the evaluation phase, only to funded accounts.
Can You Buy Unlimited Challenge Accounts at Brightfunded?
Yes. Brightfunded places no limit on evaluation account purchases. You can run as many simultaneous challenges as you want. The $400K cap only applies when challenges transition to funded status. Excess funded accounts are queued until space opens under the cap.
Can You Merge Two $10K Mars Accounts at Brightfunded?
No. Brightfunded cannot merge two $10K Mars accounts because no $20K account product exists in their lineup. The merged result must correspond to an existing Brightfunded account tier. Valid merge outputs are $10K, $50K, $100K, and $200K.
Is Brightfunded Account Merging Reversible?
No. Brightfunded account merging is permanent and irreversible. Once two funded accounts are merged into a single larger account, they cannot be separated again. Both original accounts are closed and replaced by one merged account at double the size.
Do Both Accounts Need the Same Add-Ons to Merge at Brightfunded?
Yes. Brightfunded requires both accounts to have identical add-on configurations for merging. Mismatched add-ons disqualify accounts from being merged. This includes every add-on selected at checkout: payout frequency, profit split upgrades, swap-free status, and fee refund.
Does Scaling Count Toward Brightfunded's $400K Cap?
Yes. Brightfunded's scaling plan adds 30% to your funded balance every 4 months. Every dollar added through scaling counts toward the $400K maximum. A trader with 4x$100K accounts ($400K total) cannot receive any scaling increases because the cap is already reached.
What Happens If You Pass a Challenge but the Brightfunded Cap Is Full?
Brightfunded holds your newly funded account in a queue if activating it would push your total funded balance over $400K. The account becomes active only when an existing funded account is breached or closed, creating space under the cap. You don't lose the passed challenge.
What's the Best Account Structure to Reach $400K at Brightfunded?
The most popular Brightfunded structure for $400K is 4x$100K Saturn accounts. This balances risk diversification (each account has independent drawdown) with manageable complexity. Traders who want merging flexibility often start with 4x$100K and merge pairs into 2x$200K.
Can You Merge Accounts on Different Platforms at Brightfunded?
No. Brightfunded requires both accounts to be on the same trading platform for merging. An account on MT5 and an account on cTrader cannot be merged even if they're the same size with the same add-ons. Choose one platform and stick with it if merging is part of your plan.
How Many Accounts Can You Merge at Once at Brightfunded?
Brightfunded allows merging exactly 2 funded accounts at a time. You cannot combine three or more accounts in a single merge operation. To merge four $50K accounts into one $200K, you'd first merge two into $100K, then merge the other two into $100K, then merge those two $100K accounts into $200K. Three separate merge operations.
