Compare 13 current products across 10 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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Data-driven comparison · checked Aug 27, 2026
We track 5 FundingPips products and 8 from FXIFY that pass the 30-day source-freshness gate, last verified 2026-08-27. 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.
The table above compares the two firms. This one compares the products you actually buy — 13 of them, each with its own price, split, drawdown rule and source date.
We track 5 FundingPips products and 8 from FXIFY that pass the 30-day source-freshness gate, last verified 2026-08-27.
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 · 85% split | $59One-time fee | $69at 85% 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 |
| FundingPips ZeroFundingPips · One-time · 95% split | $60One-time fee | $63at 95% split | 0.25vs 5% trailing max DD | 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.
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 · 85% split | $99One-time fee | $116at 85% split | 0.10vs 12% max DD | 2 |
| Two Phase ProFXIFY · One-time · 80% split | $129One-time fee | $161at 80% split | 0.20vs 8% max DD | 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.
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 · 85% split | $210One-time fee | $247at 85% split | 0.08vs 12% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $225One-time fee | $281at 80% split | 0.14vs 8% max DD | 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.
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 · 85% split | $322One-time fee | $379at 85% split | 0.06vs 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 |
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 · 85% split | $566One-time fee | $666at 85% 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 |
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 | 2-stepTwo Phase Classic, Two Phase Standard, Two Phase Pro 1-stepOne Phase, Lightning Challenge Instant fundingInstant Funding Standard, Instant Funding Lite 3-stepThree Phase |
| Profit split | Not published2 Step Flex, 2 Step Standard 80%2 Step Pro 85%1 Step Flex 95%FundingPips Zero | 80%One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase 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 StaticTwo Phase Classic, Three Phase Not publishedTwo Phase Pro |
| 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 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 | 10%Two Phase Classic, Two Phase Standard 4%Instant Funding Lite, Lightning Challenge 8%Two Phase Pro, Instant Funding Standard 5%Three Phase 6%One 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 StaticTwo Phase Classic, Three Phase Not publishedTwo Phase Pro |
| Min trading days | 01 Step Flex 12 Step Flex 22 Step Pro 32 Step Standard NoneFundingPips Zero | 5One Phase, Three Phase, Instant Funding Lite NoneTwo Phase Classic, Two Phase Standard, Instant Funding Standard 3Two Phase Pro, Lightning Challenge |
| Max trading days | Unlimited | UnlimitedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite 5Lightning Challenge |
| Consistency rule | None published1 Step Flex, 2 Step Flex, 2 Step Pro 15%FundingPips Zero 35%2 Step Standard | None publishedOne Phase, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard 20%Instant Funding Lite 25%Two Phase Classic 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 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 | MonthlyOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Bi-weeklyInstant Funding Standard, Lightning Challenge 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 |
| 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 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 |
| 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 |
| Copy trading | Conditional | ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Not allowedTwo Phase Pro, Instant Funding Standard, Instant Funding Lite, Lightning Challenge |
FundingPips added monthly 100% cycles and changed minimum days
The largest split is not the fastest or least restrictive route. At checkout, compare the weekly or bi-weekly cycle with the monthly consistency, profitable-day and Striking System conditions, and verify which minimum-day rule applies to the account creation date.
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.
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.
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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