Head-to-Head Comparison

TopStep vs FundingPips

An honest, data-driven comparison to help you pick the right prop firm. We compare drawdown rules, challenge costs, profit splits, trading conditions, and more — no bias, just facts.

TopStep

4.5

One of the original futures prop firms with a proven track record. Offers a structured Trading Combine evaluation and path to live funded trading with real capital.

Visit TopStep

FundingPips

4.3

Provides various evaluation models with scaling systems and profit splits ranging from 60-100% across major CFD categories.

Visit FundingPips

Side-by-Side Comparison: TopStep vs FundingPips

Metric

TopStep

FundingPips

Max Drawdown

10%

Daily Drawdown

Profit Target

Profit Split

90/10

80/20 → 100/0

Challenge Cost

$49 - $149/mo

$36 - $499

Trading Period

Unlimited

Min Trading Days

Leverage

Full contract leverage

1:100

Instruments

Futures (CME, CBOT, NYMEX, COMEX)

Forex, Indices, Commodities, Crypto

Account Sizes

$50K, $100K, $150K

$5K, $10K, $25K, $50K, $100K

Scaling

Path from Express Funded to Live Funded account with real capital

Scale to $2M with consistent performance

News Trading

Allowed

Weekend Holding

Not Allowed

Allowed

EA / Bots

Not Allowed

Allowed

Rating

4.5/5

4.3/5

The Verdict: TopStep vs FundingPips

The best choice depends on your trading style, risk tolerance, and goals. Here's our breakdown by trader profile:

Best for Beginners

FundingPips

FundingPips offers more forgiving drawdown rules, making it easier for newer traders to get started.

Best for Aggressive Traders

FundingPips

FundingPips provides 10% max drawdown allowance, giving aggressive trading styles more breathing room.

Best for Long-term Scaling

FundingPips

FundingPips offers better scaling potential: Scale to $2M with consistent performance.

Best for Overall Value

TopStep

TopStep earns 4.5/5 in our analysis, with a strong balance of rules, cost, and trader experience.

TopStep Pros & Cons

Established since 2012 with proven track record

Path to real live funded account

Low monthly subscription cost

EOD trailing drawdown (not intraday)

Weekly payouts available

Futures only (no forex)

50% consistency target required

Daily loss limit on some platforms

Intraday trailing drawdown on PRO accounts

No automated trading bots

FundingPips Pros & Cons

Profit split up to 100%

No time limit on evaluation

Multiple challenge models

Low minimum trading days

Good platform options

Some hidden consistency rules

Lower starting profit split

Can be confusing program choices

Support response times vary

Relatively new brand

Frequently Asked Questions

Which is better, TopStep or FundingPips?

It depends on your trading style. TopStep offers 4% max drawdown and a 90/10 profit split, while FundingPips offers 10% max drawdown and a 80/20 → 100/0 split. TopStep has a higher overall rating at 4.5/5.

What is the cheapest option between TopStep and FundingPips?

TopStep challenges start at $49 - $149/mo, while FundingPips starts at $36 - $499. Compare account sizes and what's included before choosing based on price alone.

Can I use EAs or trading bots with TopStep and FundingPips?

TopStep does not allow EAs/bots. FundingPips allows them. Always verify the latest rules on each firm's website.

What are the drawdown rules for TopStep vs FundingPips?

TopStep has a 4% max drawdown and 2% daily drawdown. FundingPips has a 10% max drawdown and 5% daily drawdown. Use our free Drawdown Calculator to find your safe lot size for either firm.

How long do I have to pass the TopStep vs FundingPips challenge?

TopStep gives you Unlimited. FundingPips gives you Unlimited. Both require a minimum of 5 and 3 trading days respectively.

Which firm has a better profit split, TopStep or FundingPips?

TopStep offers a 90/10 profit split, while FundingPips offers 80/20 → 100/0. Higher profit splits mean more of your trading profits go to you.