Compare 15 current products across 12 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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Available product sources · earliest check Sep 29, 2026
We track 5 FundingPips products and 10 from FXIFY that pass the 30-day source-freshness gate; source checks range from 2026-09-29 to 2026-10-14. FundingPips is cheaper to funded at 4 of the 6 directly comparable tiers. At $5K, the cheapest verified route is 2 Step Pro at $29 (One-time fee), which needs $36 of profit at a 80% split before the fee is back in your pocket.
Compare the 15 source-checked products available here, each with its own fees, split, drawdown and date.
We track 5 FundingPips products and 10 from FXIFY that pass the 30-day source-freshness gate; source checks range from 2026-09-29 to 2026-10-14.
FundingPips is cheaper to funded at 4 of the 6 directly comparable tiers. At $5K, the cheapest verified route is 2 Step Pro at $29 (One-time fee), which needs $36 of profit at a 80% split before the fee is back in your pocket.
FundingPips's own products disagree on 16 terms. On evaluation steps it is 2-step on 2 Step Flex and 2 Step Pro and 2 Step Standard, versus 1-step on 1 Step Flex, versus instant funding on FundingPips Zero. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
FundingPips is cheaper within the shared USD one-time class: 2 Step Pro at $29 — $10 less than FXIFY's cheapest route at this tier (Three Phase, $39) — 26% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| 2 Step ProFundingPips · One-time · 80% split | $29One-time fee | $36at 80% split | 0.12vs 6% max DD | 1 |
| Three PhaseFXIFY · One-time · 80% split | $39One-time fee | $49at 80% split | 0.20vs 5% max DD | 1 |
| 1 Step FlexFundingPips · One-time · 80% split | $59One-time fee | $74at 80% split | 0.12vs 12% max DD | 2 |
| One PhaseFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.25vs 6% trailing max DD | 2 |
| Two Phase ClassicFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 10% max DD | 2 |
| Two Phase StandardFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 10% trailing max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.25vs 6% trailing max DD | 2 |
| FundingPips ZeroFundingPips · One-time · 95% split | $60One-time fee | $63at 95% split | 0.25vs 5% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $125One-time fee | $156at 80% split | 0.52vs 6% trailing max DD | 4 |
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.
FundingPips is cheaper within the shared USD one-time class: 2 Step Pro at $55 — $4 less than FXIFY's cheapest route at this tier (Three Phase, $59) — 7% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| 2 Step ProFundingPips · One-time · 80% split | $55One-time fee | $69at 80% split | 0.11vs 6% max DD | 1 |
| Three PhaseFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 5% max DD | 1 |
| FundingPips ZeroFundingPips · One-time · 95% split | $88One-time fee | $93at 95% split | 0.19vs 5% trailing max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.19vs 6% trailing max DD | 2 |
| Two Phase ClassicFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% max DD | 2 |
| Two Phase StandardFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% trailing max DD | 2 |
| 1 Step FlexFundingPips · One-time · 80% split | $99One-time fee | $124at 80% split | 0.10vs 12% max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $99One-time fee | $124at 80% split | 0.21vs 6% trailing max DD | 2 |
| Two Phase ProFXIFY · One-time · 80% split | $129One-time fee | $161at 80% split | 0.20vs 8% max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $250One-time fee | $313at 80% split | 0.52vs 6% trailing max DD | 4 |
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.
FundingPips is cheaper within the shared USD one-time class: 2 Step Pro at $134 — $15 less than FXIFY's cheapest route at this tier (Three Phase, $149) — 10% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| 2 Step ProFundingPips · One-time · 80% split | $134One-time fee | $168at 80% split | 0.11vs 6% max DD | 1 |
| Three PhaseFXIFY · One-time · 80% split | $149One-time fee | $186at 80% split | 0.15vs 5% max DD | 1 |
| FundingPips ZeroFundingPips · One-time · 95% split | $188One-time fee | $198at 95% split | 0.16vs 5% trailing max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.17vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% trailing max DD | 1 |
| 1 Step FlexFundingPips · One-time · 80% split | $210One-time fee | $263at 80% split | 0.09vs 12% max DD | 2 |
| Two Phase ProFXIFY · One-time · 80% split | $225One-time fee | $281at 80% split | 0.14vs 8% max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $525One-time fee | $656at 80% split | 0.44vs 6% trailing max DD | 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.
FundingPips is cheaper within the shared USD one-time class: 2 Step Pro at $224 — $25 less than FXIFY's cheapest route at this tier (Three Phase, $249) — 10% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| 2 Step ProFundingPips · One-time · 80% split | $224One-time fee | $280at 80% split | 0.09vs 6% max DD | 1 |
| FundingPips ZeroFundingPips · One-time · 95% split | $244One-time fee | $257at 95% split | 0.10vs 5% trailing max DD | 1 |
| Three PhaseFXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.12vs 5% max DD | 1 |
| 1 Step FlexFundingPips · One-time · 80% split | $322One-time fee | $403at 80% split | 0.07vs 12% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $375One-time fee | $469at 80% split | 0.12vs 8% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.16vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% trailing max DD | 1 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $499One-time fee | $624at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.42vs 6% trailing max DD | 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.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $399 — $23 less than FundingPips's cheapest route at this tier (2 Step Pro, $422) — 5% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $399One-time fee | $499at 80% split | 0.10vs 5% max DD | 1 |
| 2 Step ProFundingPips · One-time · 80% split | $422One-time fee | $528at 80% split | 0.09vs 6% max DD | 1 |
| FundingPips ZeroFundingPips · One-time · 95% split | $444One-time fee | $467at 95% split | 0.09vs 5% trailing max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% trailing max DD | 1 |
| 1 Step FlexFundingPips · One-time · 80% split | $566One-time fee | $708at 80% split | 0.06vs 12% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $599One-time fee | $749at 80% split | 0.09vs 8% max DD | 1 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $1,999One-time fee | $2,499at 80% split | 0.42vs 6% trailing max DD | 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.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $799 — $45 less than FundingPips's cheapest route at this tier (2 Step Pro, $844) — 5% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $799One-time fee | $999at 80% split | 0.10vs 5% max DD | 1 |
| 2 Step ProFundingPips · One-time · 80% split | $844One-time fee | $1,055at 80% split | 0.09vs 6% max DD | 1 |
| FundingPips ZeroFundingPips · One-time · 95% split | $888One-time fee | $935at 95% split | 0.09vs 5% trailing max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $1,049One-time fee | $1,311at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $1,049One-time fee | $1,311at 80% split | 0.07vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $1,099One-time fee | $1,374at 80% split | 0.09vs 8% max DD | 1 |
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. 16 of 16 rows split this way in this matchup.
| Term | FundingPips | FXIFY |
|---|---|---|
| Evaluation steps | 2-step2 Step Flex, 2 Step Pro, 2 Step Standard 1-step1 Step Flex Instant fundingFundingPips Zero | 1-stepOne Phase, Lightning Challenge, Crypto Standard (1 Step) 2-stepTwo Phase Classic, Two Phase Standard, Two Phase Pro Instant fundingInstant Funding Standard, Instant Funding Lite, Crypto Instant Funding 3-stepThree Phase |
| Profit split | 80%1 Step Flex, 2 Step Pro Not published2 Step Flex, 2 Step Standard 95%FundingPips Zero | 80%One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding Not publishedInstant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Drawdown method | Static1 Step Flex, 2 Step Flex, 2 Step Pro, 2 Step Standard TrailingFundingPips Zero | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase |
| Daily loss cap | 3%1 Step Flex, 2 Step Pro, FundingPips Zero 4%2 Step Flex 5%2 Step Standard | 3%One Phase, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding 4%Two Phase Classic, Two Phase Standard, Two Phase Pro 5%Three Phase 8%Instant Funding Standard |
| Max loss cap | 12%1 Step Flex, 2 Step Flex 10%2 Step Standard 5%FundingPips Zero 6%2 Step Pro | 6%One Phase, Crypto Standard (1 Step), Crypto Instant Funding 10%Two Phase Classic, Two Phase Standard 4%Instant Funding Lite, Lightning Challenge 8%Two Phase Pro, Instant Funding Standard 5%Three Phase |
| Funded drawdown | Static1 Step Flex, 2 Step Flex, 2 Step Pro, 2 Step Standard TrailingFundingPips Zero | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase |
| Min trading days | 01 Step Flex 12 Step Flex 22 Step Pro 32 Step Standard UnverifiedFundingPips Zero | 5One Phase, Three Phase, Instant Funding Lite UnverifiedTwo Phase Classic, Two Phase Standard, Instant Funding Standard 3Two Phase Pro, Lightning Challenge 4Crypto Standard (1 Step) 7Crypto Instant Funding |
| Max trading days | Unverified | UnverifiedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding 5Lightning Challenge |
| Consistency rule | Unverified1 Step Flex, 2 Step Flex, 2 Step Pro 15%FundingPips Zero 35%2 Step Standard | UnverifiedOne Phase, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Crypto Standard (1 Step) 25%Two Phase Classic, Crypto Instant Funding 20%Instant Funding Lite 30%Lightning Challenge |
| First payout after | 14 days1 Step Flex, 2 Step Flex, FundingPips Zero 7 days2 Step Pro Not published2 Step Standard | Not publishedOne Phase, Two Phase Classic, Two Phase Standard, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding 10 daysTwo Phase Pro, Instant Funding Lite 14 daysInstant Funding Standard 7 daysLightning Challenge |
| Payout frequency | Bi-weekly1 Step Flex, 2 Step Flex, FundingPips Zero Not published2 Step Standard Weekly2 Step Pro | Bi-weeklyInstant Funding Standard, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding MonthlyOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Not publishedTwo Phase Pro, Instant Funding Lite |
| News trading | Conditional1 Step Flex, 2 Step Flex, 2 Step Pro, 2 Step Standard Not allowedFundingPips Zero | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge ConditionalCrypto Standard (1 Step), Crypto Instant Funding |
| Weekend holding | Conditional1 Step Flex, 2 Step Flex, 2 Step Pro, 2 Step Standard Not allowedFundingPips Zero | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding Not allowedInstant Funding Standard, Instant Funding Lite |
| Overnight holding | Allowed | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge Not publishedInstant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding |
| EAs / algos | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding |
| Copy trading | Conditional | Not allowedTwo Phase Pro, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Three Phase |
FundingPips changed the current Flex target and rechecked reward routes
Do not plan against the older 2 Step Flex 6% Phase 2 target or an assumed 85% 1 Step split. At checkout, compare the selected target, reward cycle, minimum-day rule, consistency condition and Master holding add-on for the exact account.
FundingPips separates the current Standard path from legacy 10% resets
A reset can place an older account into a different product rule set. Confirm the product name and target after any reset.
FXIFY checkout ladders verified; program-page cards still need a presentation fix
The structured comparison now uses the current read-only checkout ladder: 54 tiers across 8 FXIFY products, including five Instant Funding Lite tiers at $19/$44/$85/$169/$289. Coupons, add-ons, country eligibility, and the final checkout total are not included in list prices; re-check the routed checkout before paying.
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.
9 current products · 9 first-party source pages · checked Sep 29, 2026
Open comparison10 current products · 9 first-party source pages · checked Oct 14, 2026
Open comparison14 current products · 11 first-party source pages · checked Oct 14, 2026
Open comparison20 current products · 13 first-party source pages · checked Oct 14, 2026
Open comparisonBrowse pairs with current product sources, or open the full firm directory. Missing comparison evidence does not mean a firm has closed.
