Updated
“Fintokei has deteriorated” and “It’s unusable now due to the price increase” – these voices have been circulating on social media and in the trader community since the fee revision in November 2024. However, can we really call it a “deterioration”? To put it bluntly, the price increase is a fact, but it cannot be simply called a deterioration when the service expansion is taken into consideration. This article will explain the full details of Fintokei’s fee revision and specific countermeasures to continue using it wisely in 2026. If you haven’t grasped the basic rules of Fintokei yet, please first check out the “Detailed Explanation of Fintokei’s Reputation and Rules“.
Operated by the prop firm specialist information site “Disassembly Manual” / Fintokei Official Partner / Held over 30 giveaways / Participated in Dubai Expo 2025
✅ What You’ll Learn in This Article
- What changed in Fintokei’s November 2024 fee revision (full comparison table of 6 plans)
- 3 reasons why it’s called a “deterioration” and the reality behind the service expansion
- 3 smart countermeasures to minimize the impact of the price increase (up to 20% off with coupons)
- Comparison of fees with other companies like PipFarm and FundedNext
- Reasons why Fintokei is still worth choosing in 2026
【Conclusion】The “Deterioration” of Fintokei is Partially True, but the Impact Can Be Minimized with Countermeasures
First, let’s summarize the conclusion.
On November 4, 2024, the fee revision resulted in 4 out of the 6 Challenge plans being increased in price. The price increase range is 3,000 yen to 59,000 yen, with the higher plans being more significantly impacted.
However, considering the following 3 points, it cannot be simply called a “deterioration”:
- The coupon code “KAITAI” can be applied for a 20% discount → There are also plans that are actually cheaper than before the revision
- The addition of the point stage system means that the more you continue to trade, the more benefits you can receive
- The Crystal (2 million yen) and Ruby (10 million yen) plans are unchanged, so there are still cost-effective options
In other words, “if you buy without thinking, it will be more expensive, but if you know the countermeasures, it’s not a problem” is the accurate assessment as of 2026.
Details of Fintokei’s Fee Revision | Comparison of All Plans Before and After the Revision
The full details of the new prices applied on November 4, 2024 are as follows:
| Plan Name | Initial Capital | Pre-Revision Price | Post-Revision Price | Price Increase | Increase Rate |
|---|---|---|---|---|---|
| Crystal | 2 million yen | 21,800 yen | 21,800 yen | 0 yen | 0% |
| Pearl | 5 million yen | 36,800 yen | 39,800 yen | +3,000 yen | About 8.2% |
| Ruby | 10 million yen | 69,800 yen | 69,800 yen | 0 yen | 0% |
| Sapphire | 20 million yen | 99,800 yen | 108,800 yen | +9,000 yen | About 9.0% |
| Topaz | 35 million yen | 173,800 yen | 199,800 yen | +26,000 yen | About 15.0% |
| Emerald | 50 million yen | 239,800 yen | 298,800 yen | +59,000 yen | About 24.6% |
The 3 key points to note are:
- Crystal and Ruby remain unchanged: The 2 million yen plan popular with beginners and the 10 million yen plan for intermediate traders are unaffected
- The higher the plan, the higher the price increase rate: Emerald (50 million yen) has a price increase of about 24.6%
- The price increase for Pearl is only 3,000 yen, which is minimal: An increase of 3,000 yen for a 5 million yen trading capital is within a tolerable range
🔶 If Choosing Based on Cost-Effectiveness, “Ruby” is the Most Promising
Ruby (Initial Capital 10 million yen / 69,800 yen) has no price increase. The cost ratio relative to the initial capital is about 0.70%, which is the lowest among all plans. If you’re undecided, choosing Ruby is the safest option.