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Instant Funding One-Phase Micro Challenge Explained (2026 Guide)

Instant Funding One-Phase Micro Challenge Explained (2026 Guide)
27

In this article

Instant Funding One-Phase Micro Challenge Explained (2026 Guide)

Learn Instant Funding One-Phase Micro Challenge rules, profit targets, drawdowns, account sizes, on-demand payouts, and how to pass the IF Micro challenge in 2026.

1/20/2026

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Instant Funding One-Phase Micro Challenge Explained (2026 Guide)

1/20/2026

Instant Funding One Phase Micro Challenge Review 2026

Instant Funding prop firm offers 4 Instant Funding challenge types: One-Phase, Instant Funding One-Phase Micro, Instant Funding Two–Phase, and Instant Funding Two-Phase Max. The Instant Funding One-Phase Micro Challenge is a popular choice among prop traders due to it’s low cost account which is suitable for the budget conscious traders who want to start small and grow gradually. Traders can take advantage of the low entry fee of the Instant Funding 1 Phase Micro Challenge and start the evaluation phase immediately without risking much of their own personal capital.

 

You can pass the low cost Instant Funding One-Phase Micro Challenge in a single phase. You only need to achieve 10% profit (with add-on, reduce the profit target to 8%) but you must be withing risk management parameters, a 4% daily drawdown and 6% maximum drawdown limits. Account sizes range from $10,000 to $200,000, with on-demand payouts and optional add-on to reach a higher profit split.In this blog, we will learn more about Instant Funding One-Phase Micro Challenge rules, the challenge phases, account size, fees, profit split, and how to pass the Instant Funding Challenge.
 

Instant Funding One-Phase Micro Account Sizes

Instant Funding offers large account sizes, starting from $10,000 up to $200,000. Do not miss the cost for each account mentioned below. This is the best point to start because you need a low cost challenge account to test the platform and the Instant Funding rules, without risking a higher personal capital.

  • $10.000 - starts at $39
  • $25,000 - starts at $64
  • $50,000 - starts at $114
  • $100,000 - starts at $219
  • $200,000 - starts at $399

The most popular account choice in this category, according to Instant Funding, is $10,000. It offers the lowest cost.
 

Instant Funding One-Phase Micro Account Upgrades

Add 10% more profit split with the Add-on. If you upgrade your account with this add-on, the cost rises significantly with the account size.

  • $10,000 - with add-on starts at $47
  • $25,000 - with add-on starts at $77
  • $50,000 - with add-on starts at $137
  • $100,000 - with add-on starts at $263
  • $200,000 - with add-on starts at $479

     

Instant Funding One Phase Micro Challenge Targets & Drawdowns Explained

Instant Funding one phase micro challenge 2026 explained

It is important to achieve the Instant Funding One Step Micro Challenge profit targets but what is more important for traders is to maintain the Instant Funding Drawdown Limits to continue trading and reach the Funded Stage. That is why we have mentioned Instant Funding targets, drawdown limits and rules for you to trade successfully and pass the IF Micro one phase challenge. Also learn how Instant Funding on-demand payout can benefit you.

 

  • IF Micro Profit Target – 10%: You must achieve a profit target of 10% of your initial Instant Funding account balance. The good news is that you can reduce your IF profit target from 10% to 8%. With the add-on, you can reduce the target by 2%. Your new profit target becomes 8%.
  • Instant Funding One-Phase Micro Daily Drawdown Rule 4%: Don't let your daily losses exceed 4% of your balance to avoid losing your account.
    Example: with a $10,000 account, keep daily losses under $400.
  • IF Micro Maximum Drawdown Rule – 6%: Keep your losses under 6% of your starting balance to avoid losing your account.
    Example: with $10,000 starting balance, your account can't drop below $9,400.
  • Instant Funding On-Demand Payout: The instant funding On-Demand Payouts let you withdraw profits anytime. You do not have to wait for your payout dates.
  • IF Micro Minimum & Maximum Trading Day: There is no maximum trading day limit, but there is a minimum trading day rule of 3 days.

 

Exact Rules & Targets to Pass the Instant Funding One-Phase Micro Challenge

 Instant Funding one step Micro Challenge Overview 2026

These are the Instant Funding One-Phase Micro Challenge rules and targets that a trader must follow to pass the Challenge phase.

 

Instant Funding One-Phase Micro -Quick Rules Snapshot

  • Profit target: 8–10%
  • Daily drawdown: 4%
  • Maximum drawdown: 6%
  • Profit split: 80% (90% with add-on)
  • Minimum trading days: 3
  • Payouts: On-demand


    Instant Funding On-demand Payout

    The benefit Instant Funding one phase micro challenge on demand payout is that it allows the trader to request payouts anytime.

Learn more about Instant Funding On-Demand Payouts on Instant Funding official website or in our full Instant Funding review on The Trusted Prop.

 

How to Qualify For The Instant Funding On-Demand Payout?

 Instant Funding on demand payout

If you meet these two Instant Funding one phase micro challenge rules, you will be eligible for the instant Funding on demand payout.
Rule 1: Best day limit IF Rule for on demand payout - Your highest profit from a single day must not exceed 15% of your total profit. This is also know as the consistency rule where traders need to consistently earn profits.
Rule 2: Minimum profit IF Rule for on demand payout – It is the Instant Funding minimum profit requirement to request for IF on demand payout. The IF on demand payout profit rule states that you must earn a net profit of least 1.5% of your starting balance or $25, whichever is larger to qualify for the on demand payout. 
 

Instant Funding One Phase Micro Challenge - Profit Split: 80% to 90%

The standard is 80%, or get 90% instantly with the add-on: Add 10% to profit split.


Instant Funding One Phase Micro Challenge - Scaling

 

With scaling, your account size can grow +25% every 90 days. For which, you need to achieve a profit of 10%. 


Instant Funding One Phase Micro Challenge - Minimum Trading days - 3 days


To pass your challenge, you must complete at least 3 trading days of trading. You can use an add-on to skip the min trading days. A day counts as a trading day only when you open at least one new position.


Instant Funding One Phase Micro Challenge - News trading & Weekend Overnight Holding - Allowed

You can hold weekend positions during the challenge phase. The add-on allows news trading and weekend holding.
 

Instant Funding One Phase Micro Challenge – Leverage Details

Traders can enjoy a good ratio of trading leverage at Instant Funding prop firm. Here are the Instant Funding leverage details:

  • Currencies' leverage is 1:100
  • Commodities leverage is 1:20
  • Indices leverage is  1:20
  • Crypto leverage is 1:2

 

Conclusion

You can select the instant funding one phase micro challenge account size based on your budget and risk tolerance to start with. Instant Funding one phase micro challenge offers easy targets, but you must still stay within the strict risk management parameters to pass the IF Micro challenge. Now that you have understood the instant funding one phase micro challenge targets, drawdown restrictions, Instant Funding rules, you can pass instant funding one phase micro challenge easily.

If you want to read a complete review of other Instant Funding challenge accounts visit the world’s largest prop firm review website, The Trusted Prop.

Get started with the Instant Funding One Phase Micro Challenge today. Sign up directly on the Instant Funding website and choose the account size to start with that fits your trading style.

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