Everything you need to know about how max loss is calculated — answered simply, with nothing hidden in the small print.
1
The Basics
- Max Loss Limit is the maximum amount you can lose in total on your account.
- Max Loss Limits by program:
- Instant Funding Pro and Instant Funding Lite: 10% (Smart Drawdown, see full explanation here)
- IF Micro Pro and IF Micro Crypto: 6%.
- IF Starter: 4%.
- One-Phase Pro: 8%.
- One-Phase Micro: 7%.
- One-Phase Crypto: 6%.
- Two-Phase and Two-Phase Micro: 10%.
2
Static Drawdown
- For all programs except Instant Funding Pro and Instant Funding Lite, Max Loss is static — it is based on your initial account balance and does not increase with profits.
- Example: you start with a $100,000 account in the Two-Phase program. The Max Loss Limit is 10%, so you cannot let your Balance or Equity drop below $90,000 at any time.
3
Smart Drawdown
- Instant Funding Pro and Instant Funding Lite use a Smart Drawdown system, you can read the full explanation here.
- It starts at -10% and automatically adjusts to -5% once you achieve a 5% gain on your account balance. After that point, the drawdown remains fixed at -5% of your starting balance, even if your profits grow.
- Example: starting balance: $10,000, initial drawdown limit: $9,000 (-10%). After reaching a 5% gain ($10,500), the new drawdown limit becomes $9,500 (-5%) — and stays fixed going forward.
IF Micro Lite runs its own version of this model: it starts at 6% of starting balance and locks to 3% once your Balance (not Equity) gains +3%. See the IF Micro Lite FAQ for the full breakdown.
4
EOD Drawdown
- Evolve: End-of-Day Trailing Drawdown is a loss limit that updates once per day at 5:00 PM EST.
It is calculated using the account’s highest balance recorded at the end-of-day snapshot. When the account reaches a new highest end-of-day balance, the drawdown limit moves up accordingly.
The End-of-Day Trailing Drawdown:
- Updates once per day at 5:00 PM EST.
- Is based on the account’s highest recorded end-of-day balance.
- Can move upwards but can never move back down.
- Stops trailing once it reaches the account’s original starting balance.
For example, on a $50,000 account, once the maximum loss limit reaches $50,000, it locks at that level permanently.
5
Implications
- If your Equity or Balance falls below the Max Loss Limit, the account is breached.
