FundingPips vs Topstep: Compared Rule by Rule for 2026
The comparison between FundingPips and Topstep keeps surfacing in trader forums for the same reason: they overlap on marketing but diverge sharply on the mechanics that actually decide payouts. FundingPips focuses on forex, indices, metals and crypto on MT4, MT5 and cTrader, while Topstep covers US futures on the same execution stack. That alone makes them shortlisted together only when a trader is choosing an asset class rather than a firm. On the numbers that matter, Topstep prices its 100K challenge at "49/month, roughly a hundred dollars below FundingPips, and Topstep advertises a headline split of one hundred percent.
Side-by-side comparison
| Rule | FundingPips | Topstep |
|---|---|---|
| Markets | Forex, Indices, Metals, Crypto, Energies | Futures (CME) |
| Audited variants | 4 | 3 on watchlist |
| Evaluation | 1-Step or 2-Step | 1-Step (Combine) |
| Account sizes | $5K to $200K | $50K, "00K, "50K |
| Fee (100K) | ~$499 | "49/month |
| Profit split | 60 to 100% (frequency dependent) | 90% (100% first "0K legacy only) |
| Max drawdown | 10% | ~3% Trailing (locks at breakeven) |
| Drawdown type | Static | Trailing |
| Daily loss | 5% | 2% (optional on eval; enforced on Live) |
| Consistency rule | 45% (15% on Zero) | Soft (40% on XFA path) |
| Min trading days | None specified | 1 winning day ($200+) |
| Payout speed | 1 to 3 days | 3 to 7 days |
| Payout frequency | Weekly / Bi-weekly / Monthly | Weekly (50% / $5K cap, $6K on XFA) |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Allowed (limited) |
| Weekend holding | Allowed | Not allowed |
| Scaling cap | Progressive | Multiple accounts + Live Funded |
| US traders | Yes | Yes |
| Trustpilot | 4.5 (30,312+) | 3.5 (10,000+) |
| Value score | 86 | 79 |
Verdict
Pick FundingPips if you want MT4, MT5 or cTrader access to forex, indices and metals, or a 1 to 3 days first payout window fits your cashflow. Pick Topstep if you want US futures on Rithmic or Tradovate rather than spot FX, or the "49/month entry fee at the 100K tier changes your break-even maths. The realistic decision comes down to which of the two rule sets you will still respect after a losing week.
Heads up: Topstep has announced model changes in the past 90 days. We re-audit watchlisted firms every 7 days; double-check the live rules page before purchasing.
FundingPips strengths
"25M+ total payouts, widest platform selection, flexible payout frequency tiers
FundingPips weaknesses
Split tied to withdrawal frequency (60% weekly vs 95% infrequent), 15% consistency score, recent rule change complaints
Topstep strengths
14 year track record, live funded account pathway, breakeven drawdown lock
Topstep weaknesses
Monthly subscription model, tightest drawdown in industry (2%/3%), slower monthly payouts