# Funding Pips vs Topstep

> Funding Pips and Topstep compared on cost, risk rules, payouts and platforms. Funding Pips advertises the higher profit split at 95% against 90%. Funding Pips uses static maximum drawdown and Topstep uses trailing. Across 7 directly comparable measures in Prop Firm Pal's like-for-like data, Funding Pips leads on 4 and Topstep on 2.

**Source:** https://propfirmpal.com/compare/funding-pips-vs-topstep  
**Generated:** 2026-11-04  
**Publisher:** Prop Firm Pal - independent prop firm comparison

_Prop Firm Pal earns affiliate commission from some listed firms. This is disclosed on-site and does not affect the computed ranking order._

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## Side by side

| Measure | Funding Pips | Topstep |
| --- | --- | --- |
| Evaluation cost to a $100,000 account | $422 | Not published |
| Cheapest evaluation cost per $1,000 funded | $2.36 | Not published |
| Cheapest evaluation entry price | $29 | $49 |
| Instant funding to $100,000 | $444 | Not offered |
| Evaluation types offered | 2-step, 1-step, instant | 1-step |
| Maximum advertised profit split | 95% | 90% |
| Phase 1 profit target | 5% | Not published |
| Account sizes sold | $5,000, $10,000, $25,000, $50,000, $100,000 +1 more | Not published |
| Daily drawdown limit | 3% | Not published |
| Maximum drawdown limit | 5% | 3% |
| Maximum drawdown style | Static | Trailing |
| Drawdown measured on | Equity | Balance |
| Payout frequency | Bi-weekly | Express Funded Account Standard: after 5 winning days of $150 or more. XFA Consistency: after 3 trading days within a 40% consistency target. Live Funded Account: daily after 30 winning days. |
| Payout methods | Bank Transfer, Visa, Mastercard, Cryptom +1 more | Prop-to-Brokerage (US only), Aeropay (US banks), Wise (China, Canada, UK), ACH (US banks) +1 more |
| Payment methods accepted | Credit Card, Debit Card, Crypto, Bank Transfer +5 more | Visa, Mastercard, American Express, Discover +2 more |
| Trading platforms | MT5, cTrader, MatchTrader | TopstepX |
| Instruments | Forex, Metals, Energy, Crypto +1 more | Equity index futures, Energy futures, Metals futures, Agricultural futures +3 more |
| Maximum forex leverage | 1:100 | Not published |
| Community rating | 4.0/5 (65) | 4.5/5 (1) |
| Founded | 2022 | 2012 |
| Company location | United Arab Emirates | United States |
| Prop Firm Pal verification | Verified | Verified |

## Frequently asked questions

### Which has the better profit split, Funding Pips or Topstep?

Funding Pips advertises the higher maximum at 95%, against 90% at Topstep. Note that the advertised maximum usually requires a scaling plan or a paid add-on rather than applying to a first account.

### What is the difference in drawdown rules between Funding Pips and Topstep?

Daily drawdown is 3% at Funding Pips and Not published at Topstep. Maximum drawdown is 5% and 3% respectively. Funding Pips uses a static maximum drawdown while Topstep uses a trailing one - a trailing limit follows your peak balance and is materially harder to trade around than a static one fixed to your starting balance.

### What platforms do Funding Pips and Topstep support?

Funding Pips supports MT5, cTrader, MatchTrader. Topstep supports TopstepX.

### Which is rated higher by traders, Funding Pips or Topstep?

Funding Pips scores 4.0/5 from 65 reviews and Topstep scores 4.5/5 from 1 review on Prop Firm Pal. Review scores are trader-submitted and are independent of any commercial relationship.

### Should I choose Funding Pips or Topstep?

On the 7 directly comparable measures on this page, Funding Pips leads on 4 and Topstep on 2, with 1 tied. Which of those measures matters depends on how you trade: cost matters most if you expect to need several attempts, drawdown style matters most if you hold positions overnight, and payout terms matter most once you are funded. Prop Firm Pal does not recommend one firm over another, and earns affiliate commission from some listed firms.

## Related pages

- [Funding Pips](https://propfirmpal.com/firms/verified/funding-pips)
- [Topstep](https://propfirmpal.com/futures/firms/verified/topstep)
- [Every prop firm comparison](https://propfirmpal.com/compare)