Compare 5 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 14, 2026
Pick Topstep if…
Pick TradeDay if…
| Fact | Topstep | TradeDay |
|---|---|---|
| Our score | 8.5/10 | 8.6/10 |
| Lowest $100K fee | $149/month (Trading Combine - No Activation Fee Path) | $240/month (Quick Pay - Intraday) |
| Base split | 90% | 50–80% |
| Earliest first payout | — | Day 1 (Quick Pay - Intraday) |
| Platforms | TopstepX · Quantower | Tradovate · NinjaTrader · TradingView · Jigsaw · R|Trader Pro · Quantower · ATAS · MotiveWave · Bookmap · Sierra Chart · EdgeProX · Finamark · VolFix · WealthCharts · MultiCharts · Overcharts |
Available product sources · earliest check Oct 14, 2026
We track 2 Topstep products and 3 from TradeDay that pass the 30-day source-freshness gate; source checks range from 2026-10-14 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 5 source-checked products available here, each with its own fees, split, drawdown and date.
We track 2 Topstep products and 3 from TradeDay that pass the 30-day source-freshness gate; source checks range from 2026-10-14 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.
TradeDay's own products disagree on 7 terms. On profit split it is 50–80% (tiered) on Quick Pay - Intraday and Quick Pay - End of Day, versus 80% on Fast Pass - End of Day. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
Topstep is cheaper within the shared USD monthly class: Trading Combine - No Activation Fee Path at $95 — $36 less than TradeDay's cheapest route at this tier (Quick Pay - Intraday, $131) — 27% 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 |
| Quick Pay - IntradayTradeDay · Monthly · 50–80% split (tiered) | $1311 month, no activation fee | $262at 50% split (lowest tier) | 0.13vs $2,000 tier max loss |
| Quick Pay - End of DayTradeDay · Monthly · 50–80% split (tiered) | $1751 month, no activation fee | $350at 50% split (lowest tier) | 0.17vs $2,000 tier max loss |
| Fast Pass - End of DayTradeDay · Monthly · 80% split | $1891 month, no activation fee | $236at 80% split | 0.12vs $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 |
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 — $91 less than TradeDay's cheapest route at this tier (Quick Pay - Intraday, $240) — 38% 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 |
| Quick Pay - IntradayTradeDay · Monthly · 50–80% split (tiered) | $2401 month, no activation fee | $480at 50% split (lowest tier) | 0.16vs $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 |
| Quick Pay - End of DayTradeDay · Monthly · 50–80% split (tiered) | $2851 month, no activation fee | $570at 50% split (lowest tier) | 0.19vs $3,000 tier max loss |
| Fast Pass - End of DayTradeDay · Monthly · 80% split | $3501 month, no activation fee | $438at 80% split | 0.15vs $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 — $131 less than TradeDay's cheapest route at this tier (Quick Pay - Intraday, $360) — 36% 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 |
| Quick Pay - IntradayTradeDay · Monthly · 50–80% split (tiered) | $3601 month, no activation fee | $720at 50% split (lowest tier) | 0.16vs $4,500 tier max loss |
| Quick Pay - End of DayTradeDay · Monthly · 50–80% split (tiered) | $4001 month, no activation fee | $800at 50% split (lowest tier) | 0.18vs $4,500 tier max loss |
| Fast Pass - End of DayTradeDay · Monthly · 80% split | $5301 month, no activation fee | $663at 80% split | 0.15vs $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. 7 of 16 rows split this way in this matchup.
| Term | Topstep | TradeDay |
|---|---|---|
| Evaluation stepssame | 1-step | 1-step |
| Profit split | 90% | 50–80% (tiered)Quick Pay - Intraday, Quick Pay - End of Day 80%Fast Pass - End of Day |
| Drawdown method | EOD trailing | EOD trailingQuick Pay - End of Day, Fast Pass - End of Day TrailingQuick Pay - Intraday |
| Daily loss capsame | Not published | Not published |
| Max loss capsame | Fixed $ per tier | Fixed $ per tier |
| Funded drawdown | EOD trailing | TrailingQuick Pay - Intraday, Quick Pay - End of Day EOD trailingFast Pass - End of Day |
| Min trading days | Unverified | 5Quick Pay - Intraday, Quick Pay - End of Day UnverifiedFast Pass - End of Day |
| Max trading dayssame | Unverified | Unverified |
| Consistency rule | 55% | 30%Quick Pay - Intraday, Quick Pay - End of Day 45%Fast Pass - End of Day |
| First payout after | Not published | 1 dayQuick Pay - Intraday, Quick Pay - End of Day 5 daysFast Pass - End of Day |
| Payout frequency | After qualifying trading days | On demandQuick Pay - Intraday, Quick Pay - End of Day After qualifying trading daysFast Pass - End of Day |
| News tradingsame | Conditional | Conditional |
| Weekend holdingsame | Not allowed | Not allowed |
| Overnight holdingsame | Not allowed | Not allowed |
| EAs / algossame | Conditional | 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.
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.
New TradeDay Fast Pass accounts use funded consistency
An account's open date now changes payout eligibility. Check whether the 45% rule applies before sizing a payout request.
TradeDay disagrees on Fast Pass days and a payout cap
The comparison leaves the minimum-day field unknown and does not choose a disputed 100K cap. Confirm both rules for the exact account before purchase or payout.
TradeDay monthly prices were tied to a 55%-off promotion
Treat the table price as a dated promotional snapshot. Recheck the first month, renewal, and reset totals 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.
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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.
