The FundedNext Stellar Lite challenge is a two-phase evaluation with targets of 8% and 4%, a 4% daily loss limit and an 8% static maximum loss. Since 12 October 2026 it needs only 2 trading days per phase and pays every 10 business days. With code CRITIC it costs $29.99 for $5K up to $743.06 for $200K.
Rules and prices checked on FundedNext's official site, help centre and checkout on 13 October 2026.
Key takeaways
- Stellar Lite asks for 8% in Phase 1 and 4% in Phase 2, the lowest combined target of FundedNext's two-phase challenges.
- Accounts bought or reset from 12 October 2026 need 2 trading days per phase (was 5) and are paid every 10 business days (was 21, then 14).
- The 8% maximum loss is static; an add-on raises it to 10%.
- The funded account pays 80%, rising to 90% after scaling, but Lite has no 15% challenge reward and refunds the fee only with the third performance reward.
- Stellar Lite is FundedNext's cheapest challenge at every size, from $29.99 for $5K with code CRITIC.
Stellar Lite key facts
| Rule | Phase 1 | Phase 2 | FundedNext Account |
|---|---|---|---|
| Profit target | 8% | 4% | None |
| Daily loss limit | 4% of initial balance | 4% of initial balance | 4% of initial balance |
| Maximum loss limit | 8%, static | 8%, static | 8%, static |
| Minimum trading days | 2 (from 12 Oct 2026) | 2 (from 12 Oct 2026) | None |
| Standard payout cycle | None | None | Every 10 business days |
| Reward share | None | None | 80% (90% after scale-up) |
| Account sizes | $5K, $10K, $25K, $50K, $100K, $200K | ||
What changed on Stellar Lite on 12 October 2026?
Stellar Lite rules before and after 12 October 2026. Source: FundedNext help centre and checkout, 13 Oct 2026.
FundedNext cut Stellar Lite's minimum trading days from 5 to 2 per phase and shortened its standard payout cycle to 10 business days, for every account bought or reset on or after 12 October 2026. Accounts bought before that date keep the old rules: 5 days per phase, a first payout after 21 days and then every 14 days.
Two details are easy to miss. The 5-day minimum still applies if you choose the 3-day or on-demand payout structure, according to FundedNext's Stellar Lite rules. And the checkout card we saw on 13 October still listed "5 Days" under minimum trading days, so check the figure on your own checkout before you pay. In the same week FundedNext also put the $5K Stellar Lite on offer at $29.99; our Fine Print tracker logs every change like this on the firm's own pages.
The effect is a faster route to the first payout. Under the old rules, the quickest path was 10 trading days to pass plus 21 days before the first reward. Under the new rules it is 4 trading days to pass plus a 10-business-day cycle.
How do you pass the Stellar Lite challenge?
Stellar Lite rules by phase. Source: FundedNext help centre, 13 Oct 2026.
To pass Stellar Lite you make 8% in Phase 1 and 4% in Phase 2, trading on at least 2 separate days in each, without losing 4% in a day or 8% in total. On a $100K account that means $8,000 and then $4,000, with a daily limit of $4,000 and a balance floor of $92,000.
- Phase 1: reach $8,000 profit over at least 2 trading days. Phase 2 is issued at the end of that trading day.
- Phase 2: reach $4,000 profit over at least 2 more days.
- Sign the agreement and complete KYC with a photo ID and a liveness check, reviewed in about 48 hours.
- Pass FundedNext's risk review and receive the FundedNext Account.
The daily limit is measured from the initial balance, counts floating losses, swaps and commissions, and resets at 00:00 server time; profit made earlier in the day adds to it. The 8% floor never moves, so profit builds a cushion above it. Traders who want more room can buy the Maximum Loss Limit 10% add-on (+25% on the fee). There is no time limit on either phase, and a breached Phase 2 reset sends you back to a new Phase 1.
How do Stellar Lite payouts work?
Stellar Lite now pays every 10 business days on the standard structure.
On the funded account, Stellar Lite pays 80% of account growth at the end of each 10-business-day cycle in which the account is in profit. Two alternative structures exist, chosen at purchase and fixed afterwards: a "3 profitable days" option paying 60% and an on-demand option paying 90% once the account is up 2% with no single day above 40% of profit.
| Payout structure | When you can withdraw | Reward share |
|---|---|---|
| Standard (10-day cycle) | End of each 10-business-day cycle in profit | 80% |
| 3 profitable days | After 3 days of at least 1% profit each | 60% |
| On-demand | At 2% growth, best day no more than 40% of profit | 90% |
| Lifetime Reward 95% add-on | Any structure | 95% |
Lite gives up two perks the other Stellar challenges carry. There is no 15% reward from the challenge phase, and the challenge fee is refunded only with your third performance reward rather than the first. Scaling follows FundedNext's regular plan rather than FundedNext Pro: 10% growth over four months with at least two rewards earns a 40% balance increase. Payouts go out by USDT, USDC, Confirmo, RiseWorks, bank transfer, card or FNmarkets.
Our tracker recorded $14,074,772 across 8,875 FundedNext payouts in the 30 days to 13 October 2026, firm-wide across CFD and futures. That is a verified on-chain floor; bank and card payouts are not counted. See the FundedNext payouts page for the daily breakdown.
Which Stellar Lite rules cost traders money?
Read the news, risk and Quick Strike rules before your first funded trade.
On the funded account, four rules cause more deductions and breaches than the loss limits:
- News window: only 40% of the profit from trades within 5 minutes either side of a high-impact release counts on the funded account. Losses count in full; challenge phases are exempt.
- 3% open risk: potential loss across open trades may not exceed 3% of the initial balance. A second breach permanently cuts the account's limit to 1%.
- Quick Strike: trades closed within 30 seconds may not reach 30% of a cycle's profit.
- EAs below $50K: expert advisors are allowed on the $5K to $25K sizes only.
Copy trading is allowed between your own challenge accounts, never on a funded account or with another person. Two funded Lite accounts can be merged up to $200,000, but a merged or scaled account cannot be merged again.
Stellar Lite prices with code CRITIC
These are the totals FundedNext's checkout showed on 13 October 2026 with code CRITIC, on MT5 with no add-ons. CRITIC matches FundedNext's best current offer and does not stack with other codes.
| Account size | List price | With CRITIC |
|---|---|---|
| $5K | $32.99 | $29.99 |
| $10K | $59.99 | $55.79 |
| $25K | $139.99 | $130.19 |
| $50K | $229.99 | $213.89 |
| $100K | $399.99 | $371.99 |
| $200K | $798.99 | $743.06 |
cTrader and Match-Trader cost $25 more, a swap-free account 10% more. For every current FundedNext deal, see our FundedNext discount page.
Verdict
Stellar Lite is now the most practical FundedNext challenge for most traders on a budget. The 12 October changes removed its biggest drawback, the long wait: 2 days per phase and a 10-business-day cycle put the first payout within reach in about three weeks. The price stays the lowest in the Stellar range, about 27% below Stellar 2-Step at $100K. What you give up is margin for error and extras: an 8% floor instead of 10%, a 4% daily limit instead of 5%, no 15% challenge reward and a refund that waits for the third payout. If your drawdowns stay shallow, those trade-offs cost little. If they run deep, the 10% loss add-on or Stellar 2-Step is the better buy. For the full range, see our FundedNext review and our Stellar 1-Step guide.
Frequently Asked Questions
What are the FundedNext Stellar Lite rules?
8% profit in Phase 1 and 4% in Phase 2, a 4% daily loss limit, an 8% static maximum loss and at least 2 trading days per phase for accounts bought from 12 October 2026. There is no time limit.
How many minimum trading days does Stellar Lite need?
2 per phase for accounts bought or reset on or after 12 October 2026, and 5 for older accounts. The 5-day minimum also still applies to the 3-day and on-demand payout structures.
When do you get paid on Stellar Lite?
On the standard structure, at the end of every 10-business-day cycle in which the account is in profit, at an 80% reward share. Accounts bought before 12 October 2026 wait 21 days for the first payout and 14 days after that.
Does Stellar Lite refund the challenge fee?
Yes, with your third performance reward from the funded account. Stellar Lite does not pay the 15% challenge reward that Stellar 1-Step and 2-Step offer.
Can you use EAs on Stellar Lite?
On the $5K, $10K and $25K sizes, yes. From $50K upwards the account must be traded manually.
