Choosing a Prop Firm Plan | The Account Size and Amount Beginners Should Start With First【Textbook Vol.7】

Last Updated:February 27, 2026

Although you have decided to “start with a prop firm!”, many of you may not know which plan to choose.

When you look at the official website, there are various plans ranging from 2 million yen to 50 million yen. “The larger the account, the more I can earn” or “I want to choose an efficient plan” – it’s natural to think this way.

But, wait a minute.

In fact, 90% of beginners fail when choosing a plan.

People who lose more than 100,000 yen at once due to choosing a high-value plan, those who violate the rules due to being crushed by psychological pressure, and those who blow their funds through revenge trading – these are all the result of “prioritizing efficiency” and “overlooking the probability of success”.

In this article, as the 7th installment of the Prop Firm Textbook series, we will thoroughly explain the plan that beginners should truly choose. In conclusion, beginners should choose the Fintokei Crystal Plan (2 million yen, 21,800 yen) without a doubt.

By the time you finish reading this article, you should clearly understand why “larger account = more earning” is a trap, and how to aim for the maximum return with the minimum risk.

Why Do Many People Fail at Choosing a Plan? The Psychology of Choosing a “Larger Account”

The reason why many people fail at choosing a prop firm plan is due to human psychological biases.

Psychology has a phenomenon called “anchoring effect“. This means that the first number you see becomes the “benchmark”.

What is this anchoring effect you’re talking about?

For example, let’s say you first saw a 50 million yen plan on the prop firm’s official website. Then, 20 million yen would appear “middle-range” and 2 million yen would appear “small” to you.

The Secret of Prop Firm Companies’ “Presentation Strategies”

Many prop firm companies intentionally place high-value plans in prominent positions.

This is a strategy to maximize the company’s sales, and does not necessarily mean it is the best choice for you.

Beginner Pass Rates Are Not Related to Account Size

Let me share an important fact.

The beginner pass rate for prop firms is almost the same, regardless of the plan’s amount.

Whether it’s a 2 million yen plan or a 50 million yen plan, the probability of a beginner passing the challenge is about 20-30%. In other words, it takes 3-5 attempts to pass successfully on average.

What? There’s a possibility of failing 3-5 times!?

Yes, that’s right. That’s why it’s important to choose based on “probability of success” rather than “efficiency”. Choosing a larger account doesn’t increase the pass rate. Rather, it makes you more likely to fail due to psychological pressure.

Comparing Fintokei Account Sizes and Evaluation Fees: Which is the Most Efficient?

Let’s look at the specific numbers. Using Fintokei’s challenge plans as an example, I’ll explain the relationship between account size and evaluation fee.

Fintokei Challenge Plan Comparison Table

Looking at the efficiency indicator, Sapphire (20 million yen) and Topaz (35 million yen) are the “most efficient” plans.

So does that mean I should choose Sapphire since it’s more efficient?

No, that’s a trap. “Efficiency” and “probability of success” are completely different things. In the next section, I’ll tell you the real reason why you shouldn’t choose a large account.

Why Beginners Shouldn’t Choose a High-Value Plan – The Trap of “Larger Account = More Earning”

Now we’re getting to the really important part. “Larger account = more earning” is the most dangerous trap for beginners.

Comparing Failure Costs – In the Case of 3 Attempts

As I mentioned earlier, the average pass rate for prop firms is around 20-30%. According to the data, the average number of attempts before passing is about 2.7 times.

In other words, most people don’t pass on the first try. Let’s calculate the costs assuming 3 attempts.

A difference of 26 million yen!? That’s way too much!

The Difference in Psychological Burden – This is the Real Cause of Failure

However, the “psychological burden” is even more important than the financial cost.

Prop firms often set the daily loss limit at 5% of the account. Translating this “5% loss” into monetary amounts…