Compare 3 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 19, 2026
Pick Take Profit Trader if…
Pick Topstep if…
| Fact | Take Profit Trader | Topstep |
|---|---|---|
| Our score | 8.3/10 | 8.5/10 |
| Lowest $100K fee | $460/month (The Test (Evaluation) — monthly subscription, incl. $130 activation) | $149/month (Trading Combine - No Activation Fee Path) |
| Base split | 80% | 90% |
| Earliest first payout | No minimum wait (The Test (Evaluation) — monthly subscription) | — |
| Platforms | TradingView · NinjaTrader · Tradovate · Bookmap · MultiCharts · MotiveWave · Trade Navigator · R|Trader · VolFix · ATAS · Investor R/T · Quantower · Finamark · Jigsaw Trader | TopstepX · Quantower |
Available product sources · earliest check Oct 19, 2026
We track 1 Take Profit Trader product and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-19 to 2026-10-20. Topstep is cheaper to funded at 3 of the 3 directly comparable tiers. At $50K, the cheapest verified route is Trading Combine - No Activation Fee Path at $95 (1 month, no activation fee), which needs $106 of profit at a 90% split before the fee is back in your pocket.
Compare the 3 source-checked products available here, each with its own fees, split, drawdown and date.
We track 1 Take Profit Trader product and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-19 to 2026-10-20.
Topstep is cheaper to funded at 3 of the 3 directly comparable tiers. At $50K, the cheapest verified route is Trading Combine - No Activation Fee Path at $95 (1 month, no activation fee), which needs $106 of profit at a 90% split before the fee is back in your pocket.
Topstep is cheaper within the shared USD monthly class: Trading Combine - No Activation Fee Path at $95 — $205 less than Take Profit Trader's cheapest route at this tier (The Test (Evaluation) — monthly subscription, $300) — 68% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple |
|---|---|---|---|
| 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 |
| The Test (Evaluation) — monthly subscriptionTake Profit Trader · Monthly · 80% split | $3001 month + $130 activation | $375at 80% split | 0.19vs $2,000 tier max loss |
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. Blank cells are figures the firm does not publish.
Topstep is cheaper within the shared USD monthly class: Trading Combine - No Activation Fee Path at $149 — $311 less than Take Profit Trader's cheapest route at this tier (The Test (Evaluation) — monthly subscription, $460) — 68% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple |
|---|---|---|---|
| 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 |
| The Test (Evaluation) — monthly subscriptionTake Profit Trader · Monthly · 80% split | $4601 month + $130 activation | $575at 80% split | 0.19vs $3,000 tier max loss |
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. Blank cells are figures the firm does not publish.
Topstep is cheaper within the shared USD monthly class: Trading Combine - No Activation Fee Path at $229 — $261 less than Take Profit Trader's cheapest route at this tier (The Test (Evaluation) — monthly subscription, $490) — 53% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple |
|---|---|---|---|
| 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 |
| The Test (Evaluation) — monthly subscriptionTake Profit Trader · Monthly · 80% split | $4901 month + $130 activation | $613at 80% split | 0.14vs $4,500 tier max loss |
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. 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.
| Term | Take Profit Trader | Topstep |
|---|---|---|
| Evaluation stepssame | 1-step | 1-step |
| Profit split | 80% | 90% |
| Drawdown methodsame | EOD trailing | EOD trailing |
| Daily loss capsame | Not published | Not published |
| Max loss capsame | Fixed $ per tier | Fixed $ per tier |
| Funded drawdownsame | EOD trailing | EOD trailing |
| Min trading days | 3 | Unverified |
| Max trading dayssame | Unverified | Unverified |
| Consistency rule | 50% | 55% |
| First payout after | 0 days | Not published |
| Payout frequency | On demand | After qualifying trading days |
| News tradingsame | Conditional | Conditional |
| Weekend holding | Not published | Not allowed |
| Overnight holdingsame | Not allowed | Not allowed |
| EAs / algos | Not allowed | Conditional |
| Copy tradingsame | Conditional | Conditional |
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.
Take Profit Trader reduced new Test minimum days to three
A new Test can reach the PRO stage after three trading days when its profit target and other rules are satisfied. Check the account creation or reset date before relying on the shorter path, because an existing five-day evaluation is not retroactively changed.
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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