Across pricing, rules and payout terms, Top One Futures takes the lead (5 against 1). Topstep stays relevant for traders whose priorities differ from the average.
Launched in Wyoming in April 2025, Top One Futures built its name on fast payouts and a 4.8/5 Trustpilot rating. Its four programs span monthly subscription, $39 access and instant funding. Two reservations: displayed prices include a permanent promotion, and a rules revision was applied to already-open accounts.
Criteria won: 5 / 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: 1 / 33
Cheapest evaluation for a 100 K account.
Top One Futures
$39
Topstep
$99
| Full comparison | Top One Futures | |
|---|---|---|
| Trust | ||
| Score | 78/100 ✓ | 77/100 |
| Trustpilot | 4.8/5 ✓ | 3.6/5 |
| Founded | 2025 | 2012 ✓ |
| Headquarters | US | US |
| Pricing | ||
| Entry price | $39 ✓ | $49 |
| Price for a 100 K account | $39 ✓ | $99 |
| Refundable fee | — | No |
| Reset price | $35 | — |
| Account sizes | 150 K | 150 K |
| Rules | ||
| Steps | 1 | 1 |
| Profit target | 6 % | 6 % |
| Max daily loss | — | — |
| Max total drawdown | — | 4 % |
| Drawdown type | Trailing (end of day) | Trailing (end of day) |
| Time limit | Unlimited | Unlimited |
| Consistency rule | — | 50 |
| Min trading days | 1 ✓ | 2 |
| Payouts | ||
| Profit split | 90 % | 90 % |
| Max profit split | 90 % | 90 % |
| First payout | — | 5 days |
| Payout frequency | Daily on Elite Daily, in 5-day cycles on the other programmes | 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 | rise and crypto | wise and bank |
| Scaling plan | — | Yes |
| Max allocation | 150 K | 150 K |
| Trading | ||
| Platforms and instruments | tradingview, tradovate, ninjatrader | ninjatrader, tradovate, rithmic |
| Instruments | futures | futures |
| Leverage | — | — |
| News trading | Yes | — |
| Weekend holding | — | No |
| Expert Advisors | — | — |
| Copy trading | Yes | — |
| Scalping | Yes | — |
| Hedging | — | — |
Choose Top One Futures if… Top One Futures applies a trailing (end of day) drawdown. Topstep applies a trailing (end of day) drawdown capped at 4 %. Both use the same model, so the difference plays out on the percentages rather than on the mechanism.
Top One Futures keeps 90 % of profits, then pays Daily on Elite Daily, in 5-day cycles on the other programmes. 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.
Top One Futures is the only one of the two to offer tradingview. Topstep covers 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, 13 years longer than Top One Futures. On Trustpilot they sit at 4.8/5 and 3.6/5 respectively. Our trust pillar scores them 71/100 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.
Top One Futures opens at $39 against $49 for Topstep, a moderate gap on the smallest account. At the reference size of 100 K the comparison is $39 for Top One Futures 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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