Lean Topstep if
Best fit
Traders who want the most established structure and can work within payout objectives.
Think twice if
You need the old first-$10K profit split as a new trader, or you dislike payout caps and objective changes.
Topstep vs Tradeify
A source-backed, side-by-side look at how Topstep and Tradeify treat drawdown, payouts, pricing, and the rules that actually decide whether you keep a funded account.
Quick verdict
Lean Tradeify if
Best fit
Traders who want EOD drawdown with daily or larger 5-day payout options.
Think twice if
You want no consistency rule in evaluation on every product or dislike payout-policy choice permanence.
Topstep vs Tradeify: rules at a glance
Every value below is pulled from each firm's official sources. Confirm live figures at checkout. New to the terms? See the key terms below.
| Rule | Topstep | Tradeify |
|---|---|---|
| Account sizes | $50K, $100K, $150K | $25K, $50K, $100K, $150K, plus a $300K limited-release size (KYC required, no resets, capped at 3 per user, excluded from the 15-evaluation monthly limit). |
| Evaluation pricing | Standard path: $49/$99/$199 per month. No Activation Fee path: $95/$149/$229 per month. | $359 flat one-time fee across 25K/50K/100K/150K Select evaluation sizes, confirmed via the live homepage pricing widget (2026-09-02). Coupon-discounted price is $251 at the current 30%-off tier. |
| Activation fee | $149 on Standard path after passing; $0 on No Activation Fee path. | No activation fee for Select evaluation accounts per official help page. |
| Profit targets | $3K, $6K, $9K profit target by account size. | 25K $1.5K, 50K $3K, 100K $6K, 150K $9K per official Select evaluation documentation. |
| Drawdown | EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time. | EOD drawdown; Select funded Flex uses $1K/$2K/$3K/$4.5K, Daily uses tighter $1K/$2K/$2.5K/$3.5K on larger accounts. |
| Daily loss limit | Optional in Trading Combine/XFA; required on Live Funded Accounts. Responsible Trading Discount applies to No Activation Fee path with fixed DLL. | None during Select evaluation and Flex funded policy. Daily policy adds DLL. |
| Consistency rule | Trading Combine best day must be at or below 50% of total profit. Optional XFA Consistency path uses 40% and can qualify in 3 trading days. | Select evaluation has 40% consistency; Select Flex/Daily funded policies list no consistency rule. |
| Min trading days | As little as 2 days to pass the Trading Combine if consistency and target are met. | Select evaluation requires at least 3 trading days. |
| Payout | New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency. | 90/10 split for both funded policies. Flex: every 5 winning days (winning-day profit threshold $100/$150/$200/$250 for 25K/50K/100K/150K), no minimum balance required. Daily: daily eligibility once above buffer, $250 minimum payout, Daily Continuity Rule caps each request at 2x cycle profit. Payout caps are now grandfathered by purchase date (effective Sep 1, 2026, already in force as of this check): accounts purchased before Sep 1, 2026 keep the prior caps -- Flex $1.25K/$3K/$4K/$5K, Daily $600/$1K/$1.5K/$2.5K (25K/50K/100K/150K); accounts purchased on or after Sep 1, 2026 get Flex $1.25K/$2.5K/$3.5K/$4.5K and Daily $600/$1.25K/$1.75K/$2.5K. Both policies require positive net profit each cycle for payouts after the first. |
| Coupon | Built-in discount — no promo code to enter | AUG (official code) |
How the rules differ
Drawdown. Topstep: EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time. Tradeify: EOD drawdown; Select funded Flex uses $1K/$2K/$3K/$4.5K, Daily uses tighter $1K/$2K/$2.5K/$3.5K on larger accounts.
Payouts. Topstep: New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency. Tradeify: 90/10 split for both funded policies. Flex: every 5 winning days (winning-day profit threshold $100/$150/$200/$250 for 25K/50K/100K/150K), no minimum balance required. Daily: daily eligibility once above buffer, $250 minimum payout, Daily Continuity Rule caps each request at 2x cycle profit. Payout caps are now grandfathered by purchase date (effective Sep 1, 2026, already in force as of this check): accounts purchased before Sep 1, 2026 keep the prior caps -- Flex $1.25K/$3K/$4K/$5K, Daily $600/$1K/$1.5K/$2.5K (25K/50K/100K/150K); accounts purchased on or after Sep 1, 2026 get Flex $1.25K/$2.5K/$3.5K/$4.5K and Daily $600/$1.25K/$1.75K/$2.5K. Both policies require positive net profit each cycle for payouts after the first.
Cost beyond the sticker. Topstep runs a Monthly subscription with path choice model — New-account payout caps and 90% split materially affect expected value. Tradeify runs a One-time evaluation purchase model — Permanent Flex versus Daily payout choice changes caps, buffer, and DLL behavior; payout caps additionally now vary by purchase date after the Sep 1, 2026 grandfather split (see payout field).
Frequently asked
Is Topstep or Tradeify cheaper for a funded futures evaluation?
Topstep: Standard path: $49/$99/$199 per month. No Activation Fee path: $95/$149/$229 per month. Activation: $149 on Standard path after passing; $0 on No Activation Fee path. Tradeify: $359 flat one-time fee across 25K/50K/100K/150K Select evaluation sizes, confirmed via the live homepage pricing widget (2026-09-02). Coupon-discounted price is $251 at the current 30%-off tier. Activation: No activation fee for Select evaluation accounts per official help page. Net cost depends on current sales and activation fees, so confirm the final total at checkout.
What is the difference between Topstep and Tradeify drawdown rules?
Topstep: EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time. Tradeify: EOD drawdown; Select funded Flex uses $1K/$2K/$3K/$4.5K, Daily uses tighter $1K/$2K/$2.5K/$3.5K on larger accounts.
Does Topstep or Tradeify have a daily loss limit?
Topstep: Optional in Trading Combine/XFA; required on Live Funded Accounts. Responsible Trading Discount applies to No Activation Fee path with fixed DLL. Tradeify: None during Select evaluation and Flex funded policy. Daily policy adds DLL.
What are the payout rules for Topstep vs Tradeify?
Topstep: New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency. Tradeify: 90/10 split for both funded policies. Flex: every 5 winning days (winning-day profit threshold $100/$150/$200/$250 for 25K/50K/100K/150K), no minimum balance required. Daily: daily eligibility once above buffer, $250 minimum payout, Daily Continuity Rule caps each request at 2x cycle profit. Payout caps are now grandfathered by purchase date (effective Sep 1, 2026, already in force as of this check): accounts purchased before Sep 1, 2026 keep the prior caps -- Flex $1.25K/$3K/$4K/$5K, Daily $600/$1K/$1.5K/$2.5K (25K/50K/100K/150K); accounts purchased on or after Sep 1, 2026 get Flex $1.25K/$2.5K/$3.5K/$4.5K and Daily $600/$1.25K/$1.75K/$2.5K. Both policies require positive net profit each cycle for payouts after the first.
Do Topstep or Tradeify have a consistency rule?
Topstep: Trading Combine best day must be at or below 50% of total profit. Optional XFA Consistency path uses 40% and can qualify in 3 trading days. Tradeify: Select evaluation has 40% consistency; Select Flex/Daily funded policies list no consistency rule.
Sources
Official help, pricing, and payout pages used for this comparison.
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Key terms
- EOD (end-of-day) drawdown
- Your maximum-loss line trails on your balance at the daily close, not your highest intraday equity. Open profit you give back during the day does not pull the line up against you.
- Trailing drawdown
- Your maximum-loss line trails your highest intraday equity, so profit you reach and then give back can move the line up against you.
- Daily loss limit (DLL)
- A cap on how much you can lose in a single trading day — some firms call it a Daily Loss Guard. A few make it optional during the evaluation.
- Consistency rule
- Caps how much of your total profit can come from a single best day, so one outlier session can't carry a pass or a payout.
- Activation fee
- A one-time fee to turn a passed evaluation into a funded account, charged on top of the evaluation price.
- Profit split
- The share of payouts you keep. A 90/10 split means you keep 90% and the firm keeps 10%.
- Buffer
- Profit you have to build (and usually keep above) before withdrawals unlock. Firm- and plan-specific.
- XFA / PA
- Firm-specific funded-account names: XFA is Topstep's Express Funded Account; PA is Apex's Performance Account.
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Comparison research, not investment advice. Funded-account rules, pricing, payout schedules, and coupons change without notice — figures here reflect the dataset last reviewed September 5, 2026. Always confirm current terms on the firm's official site before purchasing an evaluation.