Head-to-head · Independent comparison
FundingPips vs Topstep
How FundingPips and Topstep stack up on profit split, pricing, payouts and the rules that bind a funded account — advertised claims separated from what we could verify.
Tiered split reaching 100% and a clear weekly payout rhythm; top tiers gated behind a consistency score.
Mature, well-documented program with strong payout terms; minor friction from consistency rules and monthly subscription cost.
Advertised maximums
The numbers, head-to-head
Headline figures from the structured plan data for each firm. “Up to” splits and max funding are ceilings reached via tiers or scaling — not the figure every trader gets.
Profit split — headline maximum (%)
Higher is betterEntry price — lowest advertised ($)
Lower is betterMax funding — headline ($)
Higher is betterOur editorial scorecard (0–5)
Who wins each dimension
| Dimension | FundingPips | Topstep | Edge |
|---|---|---|---|
| Pricing & value | 5.0 | 4.0 | FundingPips |
| Profit split | 5.0 | 4.0 | FundingPips |
| Payout speed | 4.0 | 4.0 | Tie |
| Rules flexibility | 3.0 | 4.0 | Topstep |
| Transparency | 4.0 | 5.0 | Topstep |
Scores are The Prop Examiner’s editorial assessment, not user reviews. See our methodology.
Advertised vs verified
At a glance
FundingPips
Topstep
What actually binds you
Key trading rules compared
FundingPips
| Phase / model | Rule | Published value |
|---|---|---|
| 1-Step | Profit target | 10% |
| 2-Step | Profit target | 8% (phase 1) + 5% (phase 2) |
| 1-Step | Daily loss limit | 3% |
| 2-Step | Daily loss limit | 5% |
| 1-Step | Max drawdown | 6% static |
| 2-Step | Max drawdown | 10% |
| 1-Step | Minimum trading days | 3 days |
| Funded | Consistency | 35% consistency score for 90% tier / on-demand (cycles exempt) |
Topstep
| Phase / model | Rule | Published value |
|---|---|---|
| Combine | Profit target | Set per account size (exact dollar figures not surfaced)verify |
| Combine | Max loss | Maximum Loss Limit (MLL) — trailing drawdown; optional Daily Loss Limit |
| Combine | Contract limits | $50K = 5 (50 micros); $100K = 10 (100); $150K = 15 (150) |
| Funded | Winning-days requirement | Express Funded needs 5 winning days of $150+; Consistency Path 3 days |
| Combine | Consistency | Best single day < 50% of Profit Target (40% on payout path) |
| All | Prohibited styles | Prohibited-practice rules published; specifics not detailed on pages reviewedverify |
Rules vary by product. For a plan-by-plan comparison, use the account comparison tool.
Balanced view
Pros & cons
FundingPips
Strengths
- Tiered split can reach 100% on a monthly reward cycle.
- Flexible reward cadence (on-demand / weekly / biweekly / monthly).
- Weekly “Tuesday Pay Day” payout rhythm.
- Low advertised entry price (from $29 on 2-Step Pro).
Cons & open risks
- The 100% / 90% split tiers require meeting a 35% consistency score.
- Exact instrument count and platform list were not published on official pages.
- Site is Cloudflare-protected, making independent re-verification harder.
- As with all prop challenges, most buyers do not reach a payout.
Topstep
Strengths
- Long-established firm (since ~2012) with a detailed, publicly documented ruleset and help center.
- 90% split with a relatively low $125 minimum payout and multiple withdrawal methods.
- Clear, published contract limits and consistency targets reduce ambiguity about what passes.
- 'No Activation Fee' path lets traders avoid a separate activation cost after passing.
Cons & open risks
- Exact profit-target and trailing-drawdown dollar amounts per size were not surfaced on the parameters page.
- Consistency rules (50% in the Combine, 40% on payout) can slow withdrawals after one large day.
- It is a monthly subscription during the Combine, so costs accrue until you pass.
- Payouts process only during CME market hours; some methods carry $30 fees or multi-day delays.
Our take
Which should you choose?
These two are closely matched — "better" depends on what you trade and the rules you can live within. Read each verdict, then verify the figures for your exact product before buying.
FundingPips stands out for a tiered split that reaches 100% and a clear weekly payout rhythm, with a low entry price. The catch is that the top split tiers are gated behind a consistency score, and several details (instrument count, platform list, some targets) were not published on official pages. Compare the consistency requirement against your trading style before buying.
Topstep is one of the most established futures evaluation firms, with a transparent help center and a 90% split backed by a low minimum payout. The trailing Maximum Loss Limit and consistency targets demand disciplined trading, and a few exact figures should be confirmed at checkout. The Prop Examiner has no affiliate relationship with Topstep at this time.
Affiliate disclosure: The Prop Examiner is an independent project and may earn a commission if you sign up through some of our links. We are not affiliated with any firm reviewed. Trading challenges are simulated/educational products; no profits or payouts are guaranteed.
Common questions
FundingPips vs Topstep FAQ
- Is FundingPips or Topstep better?
- Our independent ratings: FundingPips 4.1/5, Topstep 4.3/5. They are closely matched on our scorecard — the right pick depends on your market, budget and the rules you can trade within.
- Which is cheaper to start, FundingPips or Topstep?
- Lowest advertised entry price: FundingPips from $224, Topstep from $49. Topstep has the lower starting price, but compare like-for-like account sizes — cheapest is not always best value.
- Which has the higher profit split, FundingPips or Topstep?
- Headline ("up to") maximums: FundingPips 100%, Topstep 100%. FundingPips advertises the higher ceiling — but top splits are usually gated behind tiers or scaling, not what every trader gets.
- Does FundingPips or Topstep pay out faster?
- FundingPips: “Tuesday Pay Day” weekly; on-demand/weekly/biweekly/monthly selectable. Topstep: Processed during CME hours; same-day via Prop Payout/Aeropay; $125 minimum per request. Payout speed and eligibility depend on the product and on meeting each firm's rules; no payout is guaranteed.
Cited & dated
Sources
Figures trace to each firm’s own pages, accessed on the dates shown. Re-verify before relying on any number — pricing and promos change.
- 1.FundingPips — homepage· accessed 2026-06-17
- 2.FundingPips — trading objectives· accessed 2026-06-17
- 3.FundingPips — 1-step model· accessed 2026-06-17
- 4.FundingPips — rewards / Tuesday Pay Day· accessed 2026-06-17
- 5.Topstep — Trading Combine parameters (Help Center)· accessed 2026-06-17
- 6.Topstep — payout policy (Help Center)· accessed 2026-06-17
- 7.Topstep — pricing and payment questions (Help Center)· accessed 2026-06-17
- 8.Topstep — Our Program· accessed 2026-06-17
More head-to-heads