FundedNext Stellar 2-Step Challenge: Rules, Pricing & Pass Rate (2026)

Tested firsthand: I've been running FundedNext accounts for months, passed multiple Stellar 2-Step evaluations, and withdrawn real money. What you're reading comes from live trading with their capital, not marketing material.

If you want to see how the Stellar 2-Step compares to every other FundedNext account type, read my complete FundedNext account types breakdown. For the full picture, read my complete FundedNext review. For the absolute latest, check FundedNext's website or their help center.

The FundedNext Stellar 2-Step is a two-phase CFD evaluation where you hit an 8% profit target in Phase 1 and 5% in Phase 2, with a 5% daily loss limit and 10% maximum loss limit. Once funded, you trade with no profit target and keep 80% of your gains, scaling to 90% through the FundedNext Pro program.

As of April 2026, the Stellar 2-Step is FundedNext's most popular challenge model. It sits between the aggressive Stellar 1-Step (higher target, tighter drawdown, single phase) and the budget-friendly Stellar Lite (lower limits, no challenge reward). The 2-Step hits the sweet spot for most traders: reasonable targets, generous drawdown room, and a unique 15% challenge profit reward that no other FundedNext model shares except the 1-Step.

I've traded through the Stellar 2-Step multiple times. The evaluation rules are straightforward, the pricing is competitive, and the 10% max loss gives you more breathing room than most 2-step programs on the market. But there are a few things you need to know before you buy, especially around the funded-phase leverage reduction and the news trading restrictions.

How Much Does the FundedNext Stellar 2-Step Cost?

As of April 2026, FundedNext offers the Stellar 2-Step in six account sizes. There are no recurring fees, no activation charges, and no hidden costs beyond the one-time evaluation fee.

The $50K and $100K accounts are the most popular sizes. The $50K at $299.99 gives you a solid balance-to-fee ratio, and the $100K at $549.99 is where serious traders start. I'd skip the $6K account unless you're just testing the platform. The drawdown room is too tight in dollar terms to trade comfortably.

FundedNext occasionally runs promotions that knock 10-20% off these prices. Check their website for current deals before buying.

What Are the FundedNext Stellar 2-Step Phase 1 Rules?

FundedNext's Stellar 2-Step Phase 1 requires you to reach an 8% profit target while staying within the daily and overall loss limits. There's no time limit, so you can take as long as you need.

The Phase 1 rules in detail:

• Profit target: 8% of initial balance (e.g., $4,000 on a $50K account)
• Daily loss limit: 5% of initial balance, resetting at 00:00 server time
• Maximum loss limit: 10% of initial balance, static and balance-based
• Minimum trading days: 5
• Time limit: None
• Leverage: 1:100 on Forex, 1:30 on commodities, indices, and metals

The 8% target in Phase 1 is standard for 2-step programs across the industry. What makes FundedNext's version more forgiving is the 10% max loss. That gives you a 2:1 drawdown-to-target ratio, meaning you can absorb a meaningful losing streak without breaching.

One thing to watch: the daily loss limit calculation includes floating losses, swaps, commissions, and all fees. If you're up $2,000 intraday on a $50K account, your effective daily loss room is $2,000 (profit) + $2,500 (daily limit) = $4,500 total equity decline before breach. But after the daily reset, that buffer reverts to the flat 5% of initial balance.

What Are the FundedNext Stellar 2-Step Phase 2 Rules?

FundedNext's Stellar 2-Step Phase 2 lowers the profit target to 5% while keeping all other rules identical to Phase 1. The same 5% daily loss and 10% max loss limits apply.

Phase 2 specifics:

• Profit target: 5% of initial balance (e.g., $2,500 on a $50K account)
• Daily loss limit: 5% of initial balance
• Maximum loss limit: 10% of initial balance, static
• Minimum trading days: 5
• Time limit: None
• Leverage: Same as Phase 1

Phase 2 is where most traders feel more comfortable. The reduced target means you can trade more conservatively. On a $50K account, $2,500 in profit over 5+ trading days is a 1% daily average. That's achievable without forcing trades.

I've found the 5-day minimum is the actual bottleneck for traders who pass Phase 1 quickly. You can't blitz through both phases in a few days unless you purchase the No Minimum Trading Days add-on. More on that below.

What Are the FundedNext Stellar 2-Step Funded Account Rules?

Once you pass both phases, you trade a FundedNext funded account with no profit target. You keep 80% of everything you make, and you can scale to 90% through FundedNext Pro.

Funded account rules:

• Profit target: None
• Daily loss limit: 5% of initial balance
• Maximum loss limit: 10% of initial balance, static
• Profit split: 80% (upgradeable to 90%)
• Time limit: None
• Payout schedule: First withdrawal after 21 calendar days, then every 14 days

The funded phase keeps the same drawdown limits as the challenge. No surprises there. What changes is the leverage and some trading restrictions.

What Happens to Leverage on FundedNext Funded Accounts?

FundedNext reduces leverage on commodities, indices, and metals from 1:30 during the challenge to 1:5 on funded accounts. This is a temporary measure FundedNext implemented due to market volatility, and it's been in place for months.

Forex leverage stays at 1:100 for both challenge and funded. So if you trade primarily major and minor pairs, the change won't affect you. But if you passed your challenge trading gold or US30 with 1:30 leverage, your position sizing math is completely different once funded. I've seen traders get caught off guard by this. Plan your funded strategy assuming 1:5 on non-forex instruments.

Does FundedNext Allow Weekend Holding on Funded Accounts?

No. FundedNext funded accounts (Stellar 2-Step, 1-Step, and Lite) cannot hold positions over the weekend. You must close everything before Friday market close or before rollover exceeds 2 hours. During the challenge phases, weekend holding is allowed. This is one of the few rules that gets stricter after you pass.

What Is the FundedNext 15% Challenge Profit Reward?

The FundedNext Stellar 2-Step includes a 15% challenge profit reward, which means FundedNext pays you 15% of the profits you earned during Phase 1 and Phase 2. You receive this bonus with your first funded withdrawal.

This is unique to the Stellar 2-Step and the Stellar 1-Step. Stellar Lite and Stellar Instant don't offer it.

Here's how the math works on a $100K Stellar 2-Step:

• Phase 1 target: $8,000
• Phase 2 target: $5,000
• If you hit both targets exactly: $13,000 in challenge profit
• 15% of $13,000 = $1,950 bonus with your first payout

Most traders overshoot the targets by at least a few hundred dollars, so the actual bonus tends to be higher than the minimum. On a $200K account, you're looking at $3,900+ in challenge reward money that most traders don't even factor into their cost calculations.

The 15% reward effectively reduces your net cost. A $100K Stellar 2-Step costs $549.99, but if you earn $1,950+ back from the challenge reward alone, your effective cost drops below $0 after one decent funded payout. No other 2-step program I know of offers anything like this.

What Is the FundedNext Stellar 2-Step Payout Schedule?

FundedNext's payout schedule for the Stellar 2-Step starts with a 21-calendar-day waiting period from when you begin trading your funded account. After that first withdrawal, payouts become available every 14 days (bi-weekly).

Withdrawal details:

• First payout: 21 days after funded account activation
• Subsequent payouts: Every 14 days
• Minimum withdrawal: $20 (USDT TRC20/ERC20), $50 (USDC, RiseWorks)
• Maximum withdrawal cap (USDT TRC20/ERC20): $2,000
• Processing fee: Up to 3.5%
• Methods: USDT (ERC20/TRC20), USDC (ERC20), Confirmo, RiseWorks

The 21-day initial wait is longer than some competitors. FTMO pays after 14 days from the first trade on a funded account. FundingPips offers on-demand payouts after 7 days. If fast first payouts matter to you, the Stellar 2-Step isn't the fastest option.

After that first payout though, bi-weekly is solid. And the $2,000 cap per withdrawal on USDT is worth noting. If you're pulling larger amounts, use RiseWorks or USDC instead.

What Platforms Can You Use for the FundedNext Stellar 2-Step?

As of April 2026, FundedNext supports four platforms for the Stellar 2-Step: MT4, MT5, cTrader, and Match-Trader. TradingView is available for analysis only but not for execution.

There are platform restrictions based on account size and location:

• $100K and $200K accounts are not available on cTrader or Match-Trader (except for US traders on Match-Trader)
• US traders can only use Match-Trader or cTrader. MT4 and MT5 are blocked due to MetaQuotes restrictions.
• EAs and bots are allowed on MT4 and MT5 but not on cTrader or Match-Trader (manual trading only on those platforms)

If you're a US-based trader wanting the $100K or $200K Stellar 2-Step, Match-Trader is your only option. That's a narrow funnel, and it's something to consider before purchasing.

For everyone else, MT5 is the default recommendation if you want EA compatibility and the full range of account sizes. If you prefer cTrader's interface, it works great for the $6K through $50K sizes.

What Add-Ons Are Available for the FundedNext Stellar 2-Step?

FundedNext offers four add-ons for the Stellar 2-Step. Each increases the base price by a percentage.

No Minimum Trading Days (+25% fee): Removes the 5-day minimum from both phases. On a $50K account, this turns your $299.99 fee into $374.99. Worth it if you can consistently hit targets in 2-3 days. Not worth it if you trade a steady daily approach already lasting 5+ days.

Lifetime 95% Profit Share (+30% fee): Locks in a permanent 95% split from day one of your funded account. This bypasses the normal 80% > 90% progression through FundedNext Pro. On a $100K account, the fee jumps from $549.99 to $714.99. The math only makes sense if you plan to trade the account for a long time without scaling up.

Double Up: Doubles your maximum allocation cap from $300K to $600K across all funded accounts. Useful if you're running multiple funded accounts and plan to scale.

Swap-Free (+10% fee): Removes overnight swap charges. Required for traders who can't hold swap-based positions. Adds a modest 10% to the base price.

I'd say the No Minimum Days add-on gets the most attention, but most traders don't need it. Five trading days across an unlimited timeframe is barely a hurdle. Save the 25% fee unless speed is genuinely part of your strategy.

How Does the FundedNext Scale-Up Work for Stellar 2-Step Accounts?

FundedNext's scale-up program, rebranded as FundedNext Pro in January 2026, grows your funded account balance by 25% per qualifying cycle up to a $4 million maximum allocation. Your profit split increases to 90% once you qualify.

The current FundedNext Pro requirements:

• 4 Performance Rewards (withdrawals) received
• Minimum 4% growth within each qualifying cycle
• Account active for at least 2 months
• 25% balance increase per qualifying cycle
• Maximum allocation: $4 million
• Profit share increases from 80% to 90%

On top of the scale-up itself, FundedNext Pro unlocks a retroactive 15% reward from your challenge profit (for Stellar 2-Step and 1-Step accounts), a free 100K Stellar Lite challenge, and a 12% lifetime discount on future purchases.

The scale-up path from a $50K Stellar 2-Step looks like this: $50K > $62.5K > $78.1K > $97.7K and so on, with 25% jumps each cycle. Getting to $4M takes a while, but the ceiling is one of the highest in the industry.

I broke down every detail of the FundedNext scale-up in my FundedNext scaling plan guide, including the old vs. new criteria and a month-by-month growth walkthrough.

Who Should Choose the FundedNext Stellar 2-Step?

The Stellar 2-Step is the right fit for traders who want a balanced evaluation with room to breathe. The 10% max loss is generous, the pricing is competitive, and the 15% challenge reward lowers your effective cost.

Pick the Stellar 2-Step if:

• You trade Forex primarily and want 1:100 leverage throughout
• You're comfortable with a two-phase evaluation
• You want the 15% challenge profit reward (Lite doesn't offer this)
• You prefer a wider 10% max drawdown over a tighter single-phase evaluation
• You plan to scale toward $4M through FundedNext Pro

Pick the Stellar 1-Step instead if you want a single-phase evaluation and can handle the tighter 3% daily loss and 6% max loss. The 1-Step is faster (2 minimum trading days, one phase), but the drawdown room is significantly smaller. One bad day can end it.

Pick Stellar Lite instead if budget is your priority. Stellar Lite has lower pricing and a lower barrier to entry, but you give up the 15% challenge reward, and the 4% daily / 8% max drawdown limits are tighter than the 2-Step.

Pick Stellar Instant if you don't want to evaluate at all. You get funded immediately, but you start with a trailing 6% drawdown, a 70% profit split, and a $20K maximum account size. Completely different product.

How Does the FundedNext Stellar 2-Step Compare to Other 2-Step Challenges?

The Stellar 2-Step competes directly with FTMO, E8 Funding, and FundingPips. Here's how they stack up on the key metrics for a $100K account.

FundedNext's two standout advantages are the 15% challenge reward (nobody else offers this) and the $4M scale-up ceiling. FTMO has brand recognition and faster first payouts but imposes time limits on both phases. E8 is priced higher with no real competitive edge in this tier. FundingPips wins on the first payout speed and slightly cheaper pricing, plus their 12% max loss is the most generous of the group.

If the challenge reward and scale-up ceiling matter to you, FundedNext is the clear pick. If you want the fastest possible time-to-money, FundingPips has the edge.

What News Trading Restrictions Apply to FundedNext Stellar 2-Step?

FundedNext allows unrestricted news trading during the challenge phases. Trade whatever you want around FOMC, NFP, CPI, you name it.

Once funded, it's different. FundedNext applies a News Reward Share Rule on funded Stellar 2-Step accounts. Within a 10-minute window around high-impact news events (5 minutes before and 5 minutes after), only 40% of your profits from affected trades count toward your balance. Losses during that window, however, count at 100%.

This isn't a hard restriction on placing trades. You can still trade news. But the profit haircut makes it a bad risk-reward proposition. If you make $1,000 on a news spike, only $400 counts. If you lose $1,000, the full amount hits your balance.

I've adjusted my approach to simply avoid opening new positions in that 10-minute window on funded accounts. It's not worth the asymmetric math.

What Prohibited Strategies Apply to FundedNext Stellar 2-Step?

FundedNext has a longer prohibited strategies list than most firms. The major ones that catch traders off guard on the Stellar 2-Step:

• 3% risk limit on funded accounts: You can't risk more than 3% across all running trades at any time. Stop-losses are required within 3 minutes of opening a position. No stop-loss means the trade counts as 100% risk.
• No weekend holding on funded accounts: All positions must be closed before Friday market close.
• No copy trading between a funded account and any other account (even your own). Copy trading is only allowed between challenge accounts.
• No grid trading, no HFT, no latency trading. Standard across most firms.
• 200-trade daily cap and 2,000 server messages daily. This only matters for EA traders running high-frequency systems.
• Margin usage should stay below 70%. Going above triggers warnings and potential consequences.

The 3% risk limit with mandatory stop-losses is the one that trips up the most traders. If you're used to running trades without stops and managing risk mentally, FundedNext won't allow that on funded accounts. Violations escalate from a 50% profit reduction on the first offense to a full profit deduction on the second.

I covered the full list and penalty escalation in my FundedNext prohibited strategies guide.

Frequently Asked Questions

What is the FundedNext Stellar 2-Step challenge?

The FundedNext Stellar 2-Step is a two-phase CFD evaluation where you must hit an 8% profit target in Phase 1 and a 5% profit target in Phase 2, with a 5% daily loss limit and 10% maximum loss limit. Once you pass both phases, FundedNext gives you a funded account with no profit target and an 80% profit split.

How much does the FundedNext Stellar 2-Step cost?

As of April 2026, the FundedNext Stellar 2-Step costs $59.99 for the $6K account, $119.99 for $15K, $199.99 for $25K, $299.99 for $50K, $549.99 for $100K, and $1,099.99 for the $200K account. There are no recurring fees or activation charges.

What is the FundedNext 15% challenge profit reward?

FundedNext pays Stellar 2-Step and Stellar 1-Step traders 15% of the profits earned during the challenge phases. FundedNext includes this bonus with your first funded withdrawal. On a $100K account where you hit the minimum targets ($13,000 combined), that's at least $1,950 back.

Does FundedNext have a time limit on the Stellar 2-Step?

No. FundedNext imposes no time limit on either Phase 1 or Phase 2 of the Stellar 2-Step challenge. You can take as long as you need to reach the profit target, as long as you don't breach the daily or maximum loss limits.

What leverage does FundedNext offer on the Stellar 2-Step?

FundedNext provides 1:100 leverage on Forex for both challenge and funded phases of the Stellar 2-Step. Commodities, indices, and metals start at 1:30 during the challenge but drop to 1:5 on funded accounts due to a temporary volatility-related adjustment.

Can you hold trades overnight on FundedNext Stellar 2-Step accounts?

FundedNext allows overnight holding on Stellar 2-Step accounts during both challenge and funded phases (swaps apply). Weekend holding is allowed during the challenge phases but prohibited on funded accounts. FundedNext requires you to close all positions before Friday market close on funded accounts.

What platforms support the FundedNext Stellar 2-Step?

FundedNext supports MT4, MT5, cTrader, and Match-Trader for the Stellar 2-Step. FundedNext restricts the $100K and $200K sizes from cTrader and Match-Trader (except US traders on Match-Trader). US traders cannot access MT4 or MT5 due to MetaQuotes restrictions.

How often can you withdraw profits from a FundedNext Stellar 2-Step funded account?

FundedNext requires a 21-calendar-day wait for your first withdrawal from a Stellar 2-Step funded account. After that, FundedNext processes withdrawals every 14 days (bi-weekly). Withdrawal methods include USDT, USDC, and RiseWorks, with a processing fee of up to 3.5%.

What is the difference between FundedNext Stellar 2-Step and Stellar Lite?

FundedNext's Stellar 2-Step offers a 5% daily loss limit, 10% max loss, and the 15% challenge profit reward. FundedNext's Stellar Lite has a 4% daily loss limit, 8% max loss, no challenge profit reward, and lower pricing. Both are two-phase evaluations with 8% Phase 1 targets, but Stellar Lite uses a 4% Phase 2 target instead of 5%.

Is the FundedNext Stellar 2-Step good for beginners?

FundedNext's Stellar 2-Step is one of the more forgiving 2-step programs for newer traders. The 10% max loss gives meaningful drawdown room, there's no time limit on either phase, and the minimum 5 trading days per phase prevents rushing. FundedNext's Stellar Lite is slightly cheaper if budget is tight, but the 2-Step's wider drawdown limits make it more beginner-friendly overall.

The bottom line: FundedNext's Stellar 2-Step is the firm's best all-around challenge for traders who want balanced evaluation rules, competitive pricing, and a realistic path to $4M in capital. The 15% challenge reward is a genuine differentiator that no other major firm offers, and the 10% max loss gives you room to recover from bad weeks without breaching. If you need tighter cost controls, look at Stellar Lite. If you want one-phase speed, the Stellar 1-Step or FundingPips might suit you better. But for the majority of Forex traders who want a proven 2-step structure with upside, the Stellar 2-Step is where FundedNext earns its reputation.