FundingPips vs Topstep: which prop firm is better in 2026?
FundingPips wins this comparison (9 against 4). Topstep stays relevant for traders whose priorities differ from the average.
FundingPips
Forex / CFD · Crypto · Trustpilot 4.5/5
FundingPips lets you choose the withdrawal rhythm and prices the split accordingly: 60% weekly, 80% biweekly, 90% on demand, 100% on a monthly cycle. Its four evaluation models keep static drawdown, with only the instant-funding Zero account switching to trailing. Against that, a Striking System closes a funded account on the fourth warning.
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 : 4 / 33
Pricing at equal account size
Cheapest evaluation for a 100 K account.
FundingPips
—
Closest size : 5 K — $29
Topstep
$99
Full comparison
| Criterion | FundingPips | Topstep |
|---|---|---|
| Trust | ||
| Score | 83/100 ✓ | 77/100 |
| Trustpilot | 4.5/5 ✓ | 3.6/5 |
| Founded | 2022 | 2012 ✓ |
| Headquarters | AE | US |
| Pricing | ||
| Entry price | $29 ✓ | $49 |
| Price for a 100 K account | — | $99 |
| Refundable fee | No | No |
| Reset price | — | — |
| Account sizes | 200 K ✓ | 150 K |
| Rules | ||
| Steps | 2 | 1 ✓ |
| Profit target | 6 % | 6 % |
| Max daily loss | 3 % | — |
| Max total drawdown | 6 % ✓ | 4 % |
| Drawdown type | Static ✓ | Trailing (end of day) |
| Time limit | Unlimited | Unlimited |
| Consistency rule | — | 50 |
| Min trading days | 1 ✓ | 2 |
| Payouts | ||
| Profit split | 80 % | 90 % ✓ |
| Max profit split | 100 % ✓ | 90 % |
| First payout | 7 days | 5 days ✓ |
| Payout frequency | Cycle au choix : hebdomadaire (60 %), bi-hebdomadaire (80 %), a la demande (90 %) ou mensuel (100 %) | 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 | — | 150 K |
| Trading | ||
| Platforms and instruments | mt5, ctrader, match-trader | ninjatrader, tradovate, rithmic |
| Instruments | fx, indices, metals, energy, crypto ✓ | futures |
| Leverage | — | — |
| News trading | — | — |
| Weekend holding | — | No |
| Expert Advisors | — | — |
| Copy trading | Restricted | — |
| Scalping | — | — |
| Hedging | — | — |
Choose FundingPips if…
- You expect to stay funded long enough for the split to matter: 100 % against 90 % at Topstep.
- You need a platform Topstep does not offer: mt5, ctrader, match-trader.
- Your budget is the binding constraint: the entry ticket starts at $29, 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.
Choose Topstep if…
- You want the shortest path to funding: 1 evaluation phase against 2 at FundingPips.
- You need a platform FundingPips does not offer: ninjatrader, tradovate, rithmic.
- Cash flow matters to you: the first withdrawal comes after 5 days rather than 7.
Our analysis
Payout terms compared
FundingPips keeps 100 % of profits, allows a first withdrawal after 7 days, then pays Cycle au choix : hebdomadaire (60 %), bi-hebdomadaire (80 %), a la demande (90 %) ou mensuel (100 %). 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.
Platforms and instruments
FundingPips is the only one of the two to offer mt5, ctrader, 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.
Trust and longevity
Topstep has been running since 2012, 10 years longer than FundingPips. On Trustpilot they sit at 4.5/5 and 3.6/5 respectively. Our trust pillar scores them 81/100 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.
Entry cost
FundingPips opens at $29 against $49 for Topstep, a substantial gap on the smallest account. 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.
Risk rules side by side
FundingPips 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.