Compare 6 current products across 2 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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Built from product captures checked Oct 20, 2026
Pick Apex Trader Funding if…
Pick Topstep if…
| Fact | Apex Trader Funding | Topstep |
|---|---|---|
| Our score | 8.4/10 | 8.5/10 |
| Lowest $100K fee | $590 (Intraday Trail - No Activation Fee) | $149/month (Trading Combine - No Activation Fee Path) |
| Base split | 100% | 90% |
| Earliest first payout | Day 5 (Intraday Trail - Standard) | — |
| Platforms | Rithmic · Tradovate · WealthCharts | TopstepX · Quantower |
Available product sources · earliest check Oct 20, 2026
We track 4 Apex Trader Funding products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-22. Apex Trader Funding offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
Compare the 6 source-checked products available here, each with its own fees, split, drawdown and date.
We track 4 Apex Trader Funding products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-22.
Apex Trader Funding offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
Apex Trader Funding's own products disagree on 3 terms. On drawdown method it is eod trailing on EOD Trail - Standard and EOD Trail - No Activation Fee, versus trailing on Intraday Trail - Standard and Intraday Trail - No Activation Fee. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
Not in the cost tables: Apex Trader Funding EOD Trail - Standard and Intraday Trail - Standard. The latest capture records no complete entry price for them, so they are not ranked on cost.
Apex Trader Funding offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $951 month, no activation fee | $106at 90% split | 0.05vs $2,000 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $1981 month + $149 activation | $220at 90% split | 0.11vs $2,000 tier max loss | — |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $490Fee + tier activation | $490at 100% split | 0.24vs $2,000 tier max loss | — |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,190Fee + tier activation | $1,190at 100% split | 0.59vs $2,000 tier max loss | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Apex Trader Funding offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $1491 month, no activation fee | $166at 90% split | 0.06vs $3,000 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $2481 month + $149 activation | $276at 90% split | 0.09vs $3,000 tier max loss | — |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $590Fee + tier activation | $590at 100% split | 0.20vs $3,000 tier max loss | — |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,590Fee + tier activation | $1,590at 100% split | 0.53vs $3,000 tier max loss | 2 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Apex Trader Funding offers USD one-time; Topstep offers USD monthly at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Trading Combine - No Activation Fee PathTopstep · Monthly · 90% split | $2291 month, no activation fee | $254at 90% split | 0.06vs $4,500 tier max loss | — |
| Trading Combine - Standard PathTopstep · Monthly · 90% split | $3481 month + $149 activation | $387at 90% split | 0.09vs $4,500 tier max loss | — |
| Intraday Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $1,890Fee + tier activation | $1,890at 100% split | 0.47vs $4,000 tier max loss | — |
| EOD Trail - No Activation FeeApex Trader Funding · One-time · 100% split | $2,490Fee + tier activation | $2,490at 100% split | 0.62vs $4,000 tier max loss | 2 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Each cell shows every value that firm's current products hold. Where a firm disagrees with itself the products are named — those are the rows a firm-level table has to flatten, and the ones that decide whether your strategy is allowed. 3 of 16 rows split this way in this matchup.
| Term | Apex Trader Funding | Topstep |
|---|---|---|
| Evaluation stepssame | 1-step | 1-step |
| Profit split | 100% | 90% |
| Drawdown method | EOD trailingEOD Trail - Standard, EOD Trail - No Activation Fee TrailingIntraday Trail - Standard, Intraday Trail - No Activation Fee | EOD trailing |
| Daily loss cap | Fixed $ per tierEOD Trail - Standard, EOD Trail - No Activation Fee Not publishedIntraday Trail - Standard, Intraday Trail - No Activation Fee | Not published |
| Max loss capsame | Fixed $ per tier | Fixed $ per tier |
| Funded drawdown | EOD trailingEOD Trail - Standard, EOD Trail - No Activation Fee TrailingIntraday Trail - Standard, Intraday Trail - No Activation Fee | EOD trailing |
| Min trading days | 0 | Unverified |
| Max trading dayssame | Unverified | Unverified |
| Consistency rule | Unverified | 55% |
| First payout after | 5 days | Not published |
| Payout frequency | Weekly | After qualifying trading days |
| News tradingsame | Conditional | Conditional |
| Weekend holdingsame | Not allowed | Not allowed |
| Overnight holdingsame | Not allowed | Not allowed |
| EAs / algos | Not allowed | Conditional |
| Copy tradingsame | Conditional | Conditional |
Apex moved new purchases to 4 one-time evaluation paths
Older Apex reviews can describe a different billing and drawdown structure. Match the exact product shown at checkout, verify the dynamic fee, and note that the current evaluation may pass in one day without a minimum-day rule.
Topstep now publishes a 55% Combine consistency target
Use 55% for the Combine objective. The separate XFA Consistency payout route remains 40% with three trading days. October 6 is our observation date, not an established effective date; minimum-day descriptions still conflict.
Correction: Topstep payout eligibility is not a three-calendar-day transfer
TFH removed the single calendar-day payout figure, corrected the No Activation Fee path's blanket automation permissions and added the published dollar loss limits per tier. Fee-recovery tables now use those tier limits. These are corrections to our representation, not a proven September change to all Topstep terms. Eligibility still depends on personal circumstances.
Topstep minimum days: no formal minimum, two days in practice
Plan for at least two trading days and keep the best day at or below 55% of total profit. The six monthly prices were separately verified; this resolution does not change a price or add an account restriction.
Every figure above is read from these pages. Products older than 30 days are removed from the comparison until they are recaptured, so a missing product means stale data, not a discontinued plan.
These directory fields describe the firms, not a universal product rule. The sourced product tables above decide the exact fee, split, drawdown and trading conditions. Directory context is not independently refreshed by this comparison; verify platform and payment availability for the exact programme and country.
Scored out of 5 by Trustpilot users, not by us. Where Trustpilot has pulled a firm's aggregate rating we say so rather than leaving a blank.
These links are selected by asset and platform overlap, then limited to matchups where both sides have current first-party product evidence.
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Open comparisonBrowse pairs with current product sources, or open the full firm directory. Missing comparison evidence does not mean a firm has closed.
