# Instant Funding vs Topstep

> Instant Funding and Topstep compared on cost, risk rules, payouts and platforms. Across 7 directly comparable measures in Prop Firm Pal's like-for-like data, Instant Funding leads on 2 and Topstep on 2.

**Source:** https://propfirmpal.com/compare/instant-funding-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 | Instant Funding | Topstep |
| --- | --- | --- |
| Evaluation cost to a $100,000 account | $219 | Not published |
| Cheapest evaluation cost per $1,000 funded | $1.99 | Not published |
| Cheapest evaluation entry price | $34 | $49 |
| Instant funding to $100,000 | $484 | Not offered |
| Evaluation types offered | instant, 1-step, 2-step | 1-step |
| Maximum advertised profit split | 90% | 90% |
| Phase 1 profit target | 5% | Not published |
| Account sizes sold | $625, $1,250, $2,000, $2,500, $5,000 +10 more | Not published |
| Daily drawdown limit | 2% | Not published |
| Maximum drawdown limit | 4% | 3% |
| Maximum drawdown style | Trailing | Trailing |
| Drawdown measured on | Equity | Balance |
| Payout frequency | 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 | Not published | Prop-to-Brokerage (US only), Aeropay (US banks), Wise (China, Canada, UK), ACH (US banks) +1 more |
| Payment methods accepted | Card, Crypto, Bank Transfer | Visa, Mastercard, American Express, Discover +2 more |
| Trading platforms | cTrader, MatchTrader, MT5 | TopstepX |
| Instruments | Forex, Indices, Commodities, Metals +1 more | Equity index futures, Energy futures, Metals futures, Agricultural futures +3 more |
| Maximum forex leverage | 1:100 | Not published |
| Community rating | 4.4/5 (2) | 4.5/5 (1) |
| Founded | 2021 | 2012 |
| Company location | United Kingdom | United States |
| Prop Firm Pal verification | Verified | Verified |

## Frequently asked questions

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

Both advertise a maximum profit split of 90%. The top split is usually gated behind a scaling plan or a paid add-on at either firm, so check what the split is on a first account.

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

Daily drawdown is 2% at Instant Funding and Not published at Topstep. Maximum drawdown is 4% and 3% respectively. Both use a trailing maximum drawdown.

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

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

### Should I choose Instant Funding or Topstep?

On the 7 directly comparable measures on this page, Instant Funding leads on 2 and Topstep on 2, with 3 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

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