TradeDay vs Topstep: Compared Rule by Rule for 2026
TradeDay 2.0 launched a static-drawdown, no-scaling-plan product aimed directly at Topstep's consistency-focused trader. Topstep still owns the live-funded pathway; TradeDay competes on rule simplicity.
Side-by-side comparison
| Rule | TradeDay | Topstep |
|---|---|---|
| Markets | Futures (CME) | Futures (CME) |
| Audited variants | 3 | 3 on watchlist |
| Evaluation | 1-Step (Quick Pay / Fast Pass) | 1-Step (Combine) |
| Account sizes | $50K, "00K, "50K | $50K, "00K, "50K |
| Fee (100K) | ~$230 to $320/month | "49/month |
| Profit split | 50/50 first $4K then 80/20; 90/10 on Funded Live | 90% (100% first "0K legacy only) |
| Max drawdown | $2K to $3K (choice of Intraday/EOD/Static) | ~3% Trailing (locks at breakeven) |
| Drawdown type | Static | Trailing |
| Daily loss | None on funded | 2% (optional on eval; enforced on Live) |
| Consistency rule | 30% (Quick Pay) / 45% (Fast Pass) eval-only | Soft (40% on XFA path) |
| Min trading days | 5 | 1 winning day ($200+) |
| Payout speed | Under 24 hours | 3 to 7 days |
| Payout frequency | On-demand (day-one eligibility) | Weekly (50% / $5K cap, $6K on XFA) |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Allowed (limited) |
| Weekend holding | Not allowed | Not allowed |
| Scaling cap | Funded Sim → Funded Live | Multiple accounts + Live Funded |
| US traders | Yes | Yes |
| Trustpilot | 4.6 (~2,500) | 3.5 (10,000+) |
| Value score | 83 | 79 |
Verdict
Pick Topstep for the live-capital pathway and its long-standing track record. Pick TradeDay if a static drawdown and a rule set built around consistency, not activations, is the better fit.
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.
TradeDay strengths
Three drawdown types to match style, day-one payouts, no activation fee, scaling to 95% split, real path to Funded Live capital, 8+ year track record
TradeDay weaknesses
Monthly subscription model, 30% consistency rule, futures only
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