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Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 7:45 am
by Fairman
Commission and fees count against the daily loss on some accounts, how I check mine
on one of my prop accounts, I noticed that the equity at the end of a flat day was lower than the balance would suggest. After checking, I found that commissions and swaps were being deducted and counted toward the daily loss figure.
I hadn't paid attention to this because I was thinking only about the profit or loss on trades. But if I take many scalps, the commission on each adds up. On a day with a lot of trades and a bit of a drawdown, the fees can be a noticeable share of the daily limit.
Now I include the cost per trade in my buffer calculation. If I have a daily limit of a certain amount, I assume part of it is already used by the expected commissions of the trades I plan to take. It reduces the number of full stops I can afford, which is something I should have counted from the start.
I also check how the firm shows it. Some platforms show the daily loss including fees, and some don't until the end of the day. I look at the number that the rules actually use, not the one I assume.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 8:16 am
by Fairman
Swaps are the other quiet one. If you hold anything past rollover, the swap is deducted and on some accounts that also counts toward the daily figure for the next day. For scalping it usually does not matter because I close before rollover, but I got caught once with a trade I forgot about overnight. Now I have an alert a few minutes before rollover to check that I am flat. It is a small thing, but on a tight daily limit even small deductions add up over a few days.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 9:40 am
by Fairman
For anyone checking their own firm, the easiest way is to look at the dashboard after a flat day where you took a few trades. If the daily loss figure shows a small negative even though your trades netted to zero, the fees are counted. If it shows zero, they are not, or they are counted somewhere else. I would still ask support to confirm, but looking at the actual numbers gives a fast answer. Then build the expected cost into your buffer from that point on.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:10 am
by PTScalper
Fairman wrote: Thu Oct 08, 2026 7:45 am
Commission and fees count against the daily loss on some accounts, how I check mine
on one of my prop accounts, I noticed that the equity at the end of a flat day was lower than the balance would suggest. After checking, I found that commissions and swaps were being deducted and counted toward the daily loss figure.
I hadn't paid attention to this because I was thinking only about the profit or loss on trades. But if I take many scalps, the commission on each adds up. On a day with a lot of trades and a bit of a drawdown, the fees can be a noticeable share of the daily limit.
Now I include the cost per trade in my buffer calculation. If I have a daily limit of a certain amount, I assume part of it is already used by the expected commissions of the trades I plan to take. It reduces the number of full stops I can afford, which is something I should have counted from the start.
I also check how the firm shows it. Some platforms show the daily loss including fees, and some don't until the end of the day. I look at the number that the rules actually use, not the one I assume.
Hi Fairman,
You have just uncovered one of the most common—and frustrating—silent killers in prop firm trading. What you experienced is the hard realization of the difference between Gross PnL (the raw outcome of your trades) and Net PnL (what the prop firm actually tracks for risk management).
Proprietary trading firms almost universally calculate your Daily Drawdown Limit based on Equity, not just your closed balance. Because Equity is defined as Balance + Floating PnL - Commissions - Swaps, every single fee you pay actively erodes your daily breathing room. For swing traders, this is a negligible rounding error. For scalpers taking multiple standard lots a day, commissions can secretly consume 10% to 20% of the daily limit before a single trade hits a stop loss.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:11 am
by PTScalper
Here is an extended breakdown of how this mechanism works, how to definitively check your account's exact rules, and how to structure your risk management to survive it.
How to Check Your Specific Account Rules
Do not rely on the trading platform (like MetaTrader) to tell you your daily limit status. MetaTrader calculates what is happening in the market, but the Prop Firm Dashboard calculates if you have breached a rule.
To figure out exactly how your firm accounts for fees, run through this checklist:
The "Equity vs. Balance" Reset Test
Check your firm’s FAQ for how they calculate the daily reset (usually at 5:00 PM EST).
Balance-Based Reset: If the daily loss is calculated as a percentage of your starting balance for the day, fees only count once the trade is closed.
Equity-Based Reset: If it is calculated based on starting equity, open positions with negative swaps or overnight commissions have already reduced your daily limit before you even wake up.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:11 am
by PTScalper
The Micro-Lot Live Test
The fastest way to verify dashboard sync is to execute a test. Open a 0.01 lot trade and close it immediately. Note the spread cost and the commission. Then, go to your prop firm’s dashboard and check your "Daily Loss Remaining" metric. If it dropped by the exact sum of the spread plus the commission, you have a hard confirmation that fees are fully integrated into real-time drawdown.
Check the Dashboard Sync Delay
You mentioned some platforms show fees immediately and some don't until the end of the day. This is due to API syncing. Some firms sync tick-by-tick (meaning a high-commission trade eats your limit the second you enter it). Others sync on trade closure. If they sync on closure, your mid-trade floating equity might look safe on the dashboard, but you can still breach the rule on the backend.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:12 am
by PTScalper
The Math: How Scalping Amplifies the Problem
Assume you are trading a $100,000 account with a 5% Daily Loss Limit ($5,000). You are trading EURUSD and your broker charges a standard $6 per lot round-trip commission.
You trade aggressively, risking 1% ($1,000) per trade. To risk $1,000 with a tight 5-pip stop loss, you are putting on roughly 20 standard lots.
The Fee: 20 lots × $6 commission = $120 in commissions per trade.
The Reality: The moment you click "Buy," your equity instantly drops by $120 (plus spread). Your actual remaining daily buffer is now $4,880.
The Scalper's Trap: If you take 8 trades in a day, you are paying $960 in commissions. Even if your actual trading strategy is flat (Gross PnL = $0), you are down $960. You have passively burned almost 20% of your entire $5,000 daily limit just by executing trades.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:12 am
by PTScalper
How to Adjust Your Risk Parameters
Your instinct to include the cost per trade in your buffer calculation is the exact right move. Here is how professional prop traders operationalize that realization:
The Commission-Adjusted Stop Loss: If your daily limit allows for three $500 losses, do not set your position size to lose $500 on the chart. Set your position size to lose $450, leaving a $50 buffer for the entry commission and potential slippage.
Fix your MT4/MT5 Display: By default, the terminal often highlights Gross Profit. Right-click your trade terminal, go to columns, and ensure Commissions and Taxes/Swaps are visible. More importantly, always focus on the bold Equity number at the bottom, never the Balance.
Re: Commission and fees count against the daily loss on some accounts, how I check mine
Posted: Thu Oct 08, 2026 10:13 am
by PTScalper
Use an Equity Protector EA: If you trade on MetaTrader, use an Expert Advisor (EA) or a trade manager (like Magic Keys) that calculates risk based on Net Equity, not Balance. These tools automatically factor in the lot size commission and will block you from taking a trade if the commission alone would push you over the daily limit.
Avoid Holding Over Wednesday: Swaps triple on Wednesday nights in Forex. If you hold a swing position through Wednesday on an account with an Equity-based daily loss limit, that triple swap will be deducted from Thursday's daily limit the moment the server day rolls over.