Compare 6 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 20, 2026
Pick Topstep if…
Pick Tradeify if…
| Fact | Topstep | Tradeify |
|---|---|---|
| Our score | 8.5/10 | 8.5/10 |
| Lowest $100K fee | $149/month (Trading Combine - No Activation Fee Path) | $255 (Growth Evaluation) |
| Base split | 90% | 90% |
| Earliest first payout | — | No minimum wait (Lightning Funded) |
| Platforms | TopstepX · Quantower | Tradovate · NinjaTrader · TradingView · Tradesea · Quantower · Sierra Chart · R|Trader · WealthCharts |
Available product sources · earliest check Oct 20, 2026
We track 2 Topstep products and 4 from Tradeify that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20. Topstep offers USD monthly; Tradeify offers USD one-time 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 6 source-checked products available here, each with its own fees, split, drawdown and date.
We track 2 Topstep products and 4 from Tradeify that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20.
Topstep offers USD monthly; Tradeify offers USD one-time 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.
Tradeify's own products disagree on 5 terms. On evaluation steps it is 1-step on Growth Evaluation and Select Evaluation → Flex and Select Evaluation → Daily, versus instant funding on Lightning Funded. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
Topstep offers USD monthly; Tradeify offers USD one-time 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 | — |
| Growth EvaluationTradeify · One-time · 90% split | $145One-time fee | $161at 90% split | 0.08vs $2,000 tier max loss | 1 |
| Select Evaluation → FlexTradeify · One-time · 90% split | $165One-time fee | $183at 90% split | 0.09vs $2,000 tier max loss | — |
| Select Evaluation → DailyTradeify · One-time · 90% split | $165One-time fee | $183at 90% split | 0.09vs $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 | — |
| Lightning FundedTradeify · One-time · 90% split | $492One-time fee | $547at 90% split | 0.27vs $2,000 tier max loss | 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.
Topstep offers USD monthly; Tradeify offers USD one-time 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 | — |
| Growth EvaluationTradeify · One-time · 90% split | $255One-time fee | $283at 90% split | 0.08vs $3,500 tier max loss | 1 |
| Select Evaluation → FlexTradeify · One-time · 90% split | $265One-time fee | $294at 90% split | 0.10vs $3,000 tier max loss | — |
| Select Evaluation → DailyTradeify · One-time · 90% split | $265One-time fee | $294at 90% split | 0.10vs $3,000 tier max loss | — |
| Lightning FundedTradeify · One-time · 90% split | $660One-time fee | $733at 90% split | 0.18vs $4,000 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.
Topstep offers USD monthly; Tradeify offers USD one-time 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 | $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 | — |
| Growth EvaluationTradeify · One-time · 90% split | $369One-time fee | $410at 90% split | 0.08vs $5,000 tier max loss | 1 |
| Select Evaluation → FlexTradeify · One-time · 90% split | $369One-time fee | $410at 90% split | 0.09vs $4,500 tier max loss | — |
| Select Evaluation → DailyTradeify · One-time · 90% split | $369One-time fee | $410at 90% split | 0.09vs $4,500 tier max loss | — |
| Lightning FundedTradeify · One-time · 90% split | $796One-time fee | $884at 90% split | 0.17vs $5,250 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 | Topstep | Tradeify |
|---|---|---|
| Evaluation steps | 1-step | 1-stepGrowth Evaluation, Select Evaluation → Flex, Select Evaluation → Daily Instant fundingLightning Funded |
| Profit splitsame | 90% | 90% |
| Drawdown methodsame | EOD trailing | EOD trailing |
| Daily loss cap | Not published | Fixed $ per tierGrowth Evaluation, Lightning Funded Not publishedSelect Evaluation → Flex, Select Evaluation → Daily |
| Max loss capsame | Fixed $ per tier | Fixed $ per tier |
| Funded drawdownsame | EOD trailing | EOD trailing |
| Min trading days | Unverified | 3Select Evaluation → Flex, Select Evaluation → Daily 0Lightning Funded 1Growth Evaluation |
| Max trading dayssame | Unverified | Unverified |
| Consistency rule | 55% | 40%Select Evaluation → Flex, Select Evaluation → Daily 20%Lightning Funded 35%Growth Evaluation |
| First payout after | Not published | 5 daysGrowth Evaluation, Select Evaluation → Flex 0 daysLightning Funded 1 daySelect Evaluation → Daily |
| Payout frequency | After qualifying trading days | On demand |
| News trading | Conditional | Allowed |
| 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.
Tradeify list prices and homepage promotions can diverge
The comparison stores stable base purchase prices, not a temporary coupon, reset fee or purchase-date payout cap. Confirm the final discount, reset cost, account purchase date and applicable payout table in checkout and the account agreement.
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.
7 current products · 6 first-party source pages · checked Oct 22, 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.
