Compare 7 current products across 4 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 The5ers if…
Pick Topstep if…
| Fact | The5ers | Topstep |
|---|---|---|
| Our score | 8/10 | 8.5/10 |
| Lowest $100K fee | $300 (Bootcamp, incl. $205 activation) | $149/month (Trading Combine - No Activation Fee Path) |
| Base split | 75–80% | 90% |
| Max loss | 5–10% | — |
| Earliest first payout | Day 14 (High Stakes (New)) | — |
| Platforms | MT5 · cTrader · TradingView | TopstepX · Quantower |
Available product sources · earliest check Oct 20, 2026
We track 5 The5ers products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20. These firms sell different instruments — The5ers runs CFD products and Topstep runs futures — so treat the tables below as a fit comparison, not a like-for-like price race. The5ers 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 7 source-checked products available here, each with its own fees, split, drawdown and date.
We track 5 The5ers products and 2 from Topstep that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20. These firms sell different instruments — The5ers runs CFD products and Topstep runs futures — so treat the tables below as a fit comparison, not a like-for-like price race.
The5ers 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.
The5ers' own products disagree on 5 terms. On evaluation steps it is 1-step on Pro Growth and Hyper Growth, versus 2-step on High Stakes (New) and High Stakes (Classic), versus 3-step on Bootcamp. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
The5ers 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 | — |
| High Stakes (New)The5ers · One-time · 80% split | $249One-time fee | $311at 80% split | 0.08vs $4,000 tier max loss | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $279One-time fee | $349at 80% split | 0.09vs $4,000 tier max loss | 1 |
| Pro GrowthThe5ers · One-time · 75% split | $329One-time fee | $439at 75% split | 0.15vs 6% 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.
The5ers 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 | — |
| High Stakes (New)The5ers · One-time · 80% split | $405One-time fee | $506at 80% split | 0.06vs $8,000 tier max loss | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $455One-time fee | $569at 80% split | 0.07vs $8,000 tier max loss | 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. 5 of 16 rows split this way in this matchup.
| Term | The5ers | Topstep |
|---|---|---|
| Evaluation steps | 1-stepPro Growth, Hyper Growth 2-stepHigh Stakes (New), High Stakes (Classic) 3-stepBootcamp | 1-step |
| Profit split | 75%Pro Growth, Hyper Growth 80%High Stakes (New), High Stakes (Classic) Not publishedBootcamp | 90% |
| Drawdown method | Static | EOD trailing |
| Daily loss cap | 3%Pro Growth, Hyper Growth 5%High Stakes (New), High Stakes (Classic) Not publishedBootcamp | Not published |
| Max loss cap | 10%High Stakes (New), High Stakes (Classic) 6%Pro Growth, Hyper Growth 5%Bootcamp | Fixed $ per tier |
| Funded drawdown | Static | EOD trailing |
| Min trading days | 3High Stakes (New), High Stakes (Classic), Pro Growth 0Hyper Growth UnverifiedBootcamp | Unverified |
| Max trading days | Unlimited | Unverified |
| Consistency rule | Unverified | 55% |
| First payout after | 14 days | Not published |
| Payout frequency | Bi-weekly | On demand |
| News tradingsame | Conditional | Conditional |
| Weekend holding | Allowed | Not allowed |
| Overnight holding | Allowed | Not allowed |
| EAs / algossame | Conditional | Conditional |
| Copy trading | Not allowed | 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.
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 still gives different minimum-day descriptions
Check the applicable Combine consistency requirement and obtain clarification before planning a one-day pass. The six monthly prices were separately verified; this unresolved rule does not establish a price change or a new 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.
10 current products · 8 first-party source pages · checked Oct 20, 2026
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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.
