RISK

Trading carries substantial risk of loss. Prop evaluation fees are typically non-refundable and the majority of traders do not pass first attempts. This comparison is for informational purposes only and does not constitute financial advice. Read full risk warning

HEAD-TO-HEAD COMPARISON · 2026

The Funded Trader vs Topstep

Side-by-side comparison of trust scores, profit splits, payout speed, and real trader reviews. Independent data — no sponsored rankings.

TFTR

The Funded Trader

TOPS

Topstep

✓ VERIFIEDEST. 2012

THE FUNDED TRADER

METRIC

TOPSTEP

0/100—

TRUST SCORE

BETTER66/100

0/5—

RATING

BETTER4/5

—

PROFIT SPLIT

90%

$600,000BETTER

MAX FUNDING

—$150,000

$489—

MIN COST

BETTER$49

—

PAYOUT DAYS

—

PASS RATE

28%

0—

REVIEW COUNT

BETTER1

THE FUNDED TRADER DETAILS

STEPS: 2-phase
DRAWDOWN: Fixed
PLATFORMS: MATCH-TRADER, DXTrade, cTrader

TOPSTEP DETAILS

STEPS: 1-phase
DRAWDOWN: Trailing EOD
MARKETS: Futures
PLATFORMS: MT4, MT5
TYPES: futures, beginner

The Funded Trader PROS

+News trading is explicitly allowed, giving traders more strategic flexibility during high-impact events.
+Offers three platforms including MATCH-TRADER, DXTrade, and cTrader, well above typical single-platform firms.
+Overall drawdown of 8% is slightly above the industry average of 7.9%, broadly in line with norms.
+Max funding of $600,000 is below the industry average of $839,272.7 but still a substantial capital allocation.

The Funded Trader CONS

−Min challenge cost of $489 is significantly above the industry average of $186.7, raising the barrier to entry.
−Profit target of 10% is above the industry average of 7.9%, requiring stronger performance to pass evaluation.
−Two steps to funded exceeds the industry average of 1.6, adding time and cost before reaching a live account.

Topstep PROS

+Profit split of 90% is well above the industry average of 84.7%, offering traders a superior earnings share.
+Min challenge cost of $49 is well below the industry average of $186.7, making entry highly accessible.
+Single-step funding is better than the industry average of 1.6 steps, streamlining the path to funded status.
+Founded in 2012, Topstep is one of the most established prop firms, providing strong credibility and track record.

Topstep CONS

−Max funding of $150,000 is far below the industry average of $839,272.7, significantly limiting earning potential.
−Overall drawdown of 10% with trailing EOD type means drawdown limits tighten as profits grow, increasing risk.
−Days to first payout at 7 is slightly above the industry average of 6.5, a minor but notable delay.

PROPDNA VERDICT

The Funded Trader

Lower trust score (0/100). Slower payouts at —d.

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