Fintokei vs Topstep: which prop firm is better in 2026?
Across pricing, rules and payout terms, the two firms are hard to separate. The decision comes down to which constraint matters most to you: entry cost, drawdown model, or payout terms.
Fintokei
Forex / CFD · Trustpilot 4.3/5
Fintokei is a Czech prop firm launched in 2022 and backed by Purple Holding, the group behind broker Purple Trading, which supplies execution. All four of its evaluation tracks run on static drawdown measured from the starting balance, never trailing. The trade-off is a narrow instrument list: forex and CFDs on metals, energy and indices, with no crypto and no stocks.
Criteria won : 9 / 33
Topstep
Futures · Trustpilot 3.6/5
Founded in Chicago in 2012, Topstep is the oldest futures prop firm. It charges a monthly subscription rather than a one-off ticket, with a 6 % target and a trailing drawdown that locks once the starting balance is cleared. Its 90 % profit split and first withdrawal after five winning days are among the best in the segment.
Criteria won : 9 / 33
Pricing at equal account size
Cheapest evaluation for a 100 K account.
Fintokei
$419
Topstep
$99
Full comparison
| Criterion | Fintokei | Topstep |
|---|---|---|
| Trust | ||
| Score | 75/100 | 77/100 ✓ |
| Trustpilot | 4.3/5 ✓ | 3.6/5 |
| Founded | 2022 | 2012 ✓ |
| Headquarters | CZ | US |
| Pricing | ||
| Entry price | $44 ✓ | $49 |
| Price for a 100 K account | $419 | $99 ✓ |
| Refundable fee | — | No |
| Reset price | — | — |
| Account sizes | 400 K ✓ | 150 K |
| Rules | ||
| Steps | 3 | 1 ✓ |
| Profit target | 2 % ✓ | 6 % |
| Max daily loss | 3 % | — |
| Max total drawdown | 6 % ✓ | 4 % |
| Drawdown type | Static ✓ | Trailing (end of day) |
| Time limit | 180 | Unlimited ✓ |
| Consistency rule | 40 | 50 ✓ |
| Min trading days | 3 | 2 ✓ |
| Payouts | ||
| Profit split | 80 % | 90 % ✓ |
| Max profit split | 100 % ✓ | 90 % |
| First payout | 14 days | 5 days ✓ |
| Payout frequency | tous les 14 jours | Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 % |
| Payout methods | — | wise and bank |
| Scaling plan | — | Yes |
| Max allocation | 400 K ✓ | 150 K |
| Trading | ||
| Platforms and instruments | tradingview, mt5, ctrader | ninjatrader, tradovate, rithmic |
| Instruments | fx, metals, energy, indices ✓ | futures |
| Leverage | — | — |
| News trading | — | — |
| Weekend holding | — | No |
| Expert Advisors | — | — |
| Copy trading | — | — |
| Scalping | — | — |
| Hedging | — | — |
Choose Fintokei if…
- You are aiming for size: allocation scales up to 400 K.
- Your budget is the binding constraint: the entry ticket starts at $44, below Topstep.
- You want a drawdown you can compute in your head: the limit is fixed on the starting balance and never moves as the account grows.
- You expect to stay funded long enough for the split to matter: 100 % against 90 % at Topstep.
Choose Topstep if…
- You trade selectively and refuse a countdown: there is no deadline to clear the evaluation.
- You want the shortest path to funding: 1 evaluation phase against 3 at Fintokei.
- You need a platform Fintokei does not offer: ninjatrader, tradovate, rithmic.
- Cash flow matters to you: the first withdrawal comes after 5 days rather than 14.
Our analysis
What you pay to start
Fintokei opens at $44 against $49 for Topstep, a moderate gap on the smallest account. At the reference size of 100 K the comparison is $419 for Fintokei against $99 for Topstep. The headline fee is rarely the real cost, though: what matters is the price of a reset after a failed attempt, whether the fee comes back on the first payout, and whether an activation fee appears when you move to a funded account. Compare those three lines in the table above before deciding on price alone.
Drawdown: the rule that decides
Fintokei applies a static drawdown capped at 6 %, with a 3 % daily limit. Topstep applies a trailing (end of day) drawdown capped at 4 %. This is the single most consequential difference between the two. A static drawdown is measured once, from the starting balance, and never moves; a trailing drawdown follows your equity upward, so a winning streak raises the floor you can no longer fall below. Intraday trailing is stricter still, because it tracks unrealised peaks reached inside the session — profit you never actually banked can permanently raise your loss threshold.
What reaches your account
Fintokei keeps 100 % of profits, allows a first withdrawal after 14 days, then pays tous les 14 jours. Topstep keeps 90 % of profits, allows a first withdrawal after 5 days, then pays Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 %. Payout frequency deserves as much attention as the split itself: a slightly lower share paid every two weeks compounds faster than a headline percentage locked behind a monthly cycle and a long first-withdrawal delay.
Where you actually trade
Fintokei is the only one of the two to offer tradingview, mt5, ctrader. Topstep covers ninjatrader, tradovate, rithmic, which its rival does not. Platform choice is not cosmetic: order execution, available order types and the reliability of your automation all depend on it, and switching mid-evaluation is rarely possible.
Track record
Topstep has been running since 2012, 10 years longer than Fintokei. On Trustpilot they sit at 4.3/5 and 3.6/5 respectively. Our trust pillar scores them 72/100 and 80/100, which weighs age, corporate transparency and public payout evidence. In an industry with no financial regulator overseeing these evaluations, longevity and a verifiable payout history are the closest thing to a guarantee.