Funded Trading Plus wins this comparison (9 against 6). Topstep remains the cheaper way in, so the choice is not automatic.
A London firm founded in late 2021 and bought by Instant Funding in May 2026, Funded Trading Plus pays every 7 days on its 1-Step Express and Instant programs, with the split rising from 80 to 100% and scaling up to $5 million. The catch: intraday trailing drawdown on both, and a Trustpilot score the platform has pulled.
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: 6 / 33
Cheapest evaluation for a 100 K account.
Funded Trading Plus
$549
Topstep
$99
| Full comparison | Funded Trading Plus | |
|---|---|---|
| Trust | ||
| Score | 80/100 ✓ | 77/100 |
| Trustpilot | — | 3.6/5 |
| Founded | 2021 | 2012 ✓ |
| Headquarters | GB | US |
| Pricing | ||
| Entry price | $89 | $49 ✓ |
| Price for a 100 K account | $549 | $99 ✓ |
| Refundable fee | Yes ✓ | No |
| Reset price | — | — |
| Account sizes | 200 K ✓ | 150 K |
| Rules | ||
| Steps | 1 | 1 |
| Profit target | 10 % | 6 % ✓ |
| Max daily loss | 4 % | — |
| Max total drawdown | 6 % ✓ | 4 % |
| Drawdown type | Trailing intraday | Trailing (end of day) ✓ |
| Time limit | Unlimited | Unlimited |
| Consistency rule | — | 50 |
| Min trading days | — | 2 |
| Payouts | ||
| Profit split | 80 % | 90 % ✓ |
| Max profit split | 100 % ✓ | 90 % |
| First payout | — | 5 days |
| Payout frequency | Every 7 days on 1-Step Express and Instant; every 10 days on 2-Step Classic | 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 | crypto and rise | wise and bank |
| Scaling plan | Yes | Yes |
| Max allocation | 5 M ✓ | 150 K |
| Trading | ||
| Platforms and instruments | mt5, ctrader, dxtrade, match-trader ✓ | ninjatrader, tradovate, rithmic |
| Instruments | fx, indices, metals, energy, crypto ✓ | futures |
| Leverage | 1:30 on 1-Step Express, 1:50 on 2-Step Classic | — |
| News trading | — | — |
| Weekend holding | Yes ✓ | No |
| Expert Advisors | Yes | — |
| Copy trading | Restricted | — |
| Scalping | Yes | — |
| Hedging | — | — |
Choose Funded Trading Plus if… Funded Trading Plus applies a trailing intraday drawdown capped at 6 %, with a 4 % 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.
Funded Trading Plus keeps 100 % of profits, then pays Every 7 days on 1-Step Express and Instant; every 10 days on 2-Step Classic. 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.
Funded Trading Plus is the only one of the two to offer mt5, ctrader, dxtrade, match-trader. 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, 9 years longer than Funded Trading Plus. Our trust pillar scores them 74/100 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.
Topstep opens at $49 against $89 for Funded Trading Plus, a substantial gap on the smallest account. At the reference size of 100 K the comparison is $549 for Funded Trading Plus 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.
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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