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 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
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
Cheapest evaluation for a 100 K account.
Fintokei
$419
Topstep
$99
| Full comparison | Fintokei | |
|---|---|---|
| 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 | Every 14 days | On request: Express Funded Standard after 5 winning days at $150+; Express Funded Consistency after 3 trading days with a 40% consistency target |
| 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… 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.
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.
Fintokei keeps 100 % of profits, allows a first withdrawal after 14 days, then pays Every 14 days. Topstep keeps 90 % of profits, allows a first withdrawal after 5 days, then pays On request: Express Funded Standard after 5 winning days at $150+; Express Funded Consistency after 3 trading days with a 40% consistency target. 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.
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.
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.
No discount code is published without being checked on the firm’s own website. An unverified deal does not appear here.
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