Top One Futures vs Topstep
Rule-by-rule comparison from each firm's own website, last verified . The marked figure is the stronger one on that line.
Quick take
- Cheaper entry: Top One Futures ($39 vs $49).
- Faster payout cycle: Top One Futures (Daily / on demand).
- Higher Trustpilot rating: Top One Futures (4.8).
- Overall PA Score: Top One Futures 7.8 vs Topstep 6.4.
Top One Futures stronger on 6Topstep stronger on 1of 9 lines where both publish a comparable figure
| Top One Futures7.8 PA Score | Topstep6.4 PA Score | |
|---|---|---|
| PA Score | 7.8 (stronger figure) | 6.4 |
| Trustpilot | 4.85,282 (stronger figure) | 3.714,989 |
| Founded | Not published | 2012 (stronger figure) |
| HQ | Cheyenne, WY, United States | Chicago, IL |
| Markets | Futures, Indices, Commodities, Forex, Crypto (stronger figure) | Futures |
| Challenge types | 1-step, instant | 1-step |
| Entry fee from | $39 (stronger figure) | $49 |
| Cost per $1K allocation | $0.78 (stronger figure) | $0.98 |
| Largest account | $150K | $150K |
| Profit target | 6% | 6% |
| Daily loss limit | $500-$1,850 depending on size (none on Elite Access evaluation) | optional (automatic in Live Funded) |
| Max drawdown | $1,000 / $2,000 / $3,000 / $4,500 (Elite Daily) | $2,000-$4,500 |
| Drawdown type | EOD trailing | EOD trailing (locks at starting balance) |
| Profit split | 90% | 90% |
| Leverage | Not published | Not published |
| Platforms | Tradovate, NinjaTrader, TradingView, BlackArrow, WealthCharts | TopstepX |
| Payout frequency | Elite Daily: daily from funded Day 1; Elite Access: every 5 profitable days; Instant/Ignite: each time the payout profit target is hit with consistency met | after 5 winning days $150+ (Standard) or 3 days w/ 40% consistency (Consistency path) |
| First payout (days) | 1 (stronger figure) | 3 |
| Min trading days | Not published | 2 |
| Consistency rule | Elite Daily: 40% on the evaluation only. Elite Access: none on the evaluation, 40% funded. Instant Sim Funded: 20%. Ignite: 15% | 55% best-day rule in Combine; 40% on XFA Consistency path |
| News trading | Restricted | Not published |
| Weekend holding | Restricted | Not published |
| Discount code | 50% off Elite Daily and Ignite, 45% off Instant (Halloween) | Not published |
| Visit site (opens Top One Futures in a new tab) | Visit site (opens Topstep in a new tab) |
Not published means we could not find the figure on the firm's own site. Sources are listed on each firm page.
Which should you choose?
Top One Futures scores 7.8/10 and Topstep 6.4/10, a wide gap. Both are futures prop firms, so the rule differences below are like for like. Which one is better depends on how you trade, so here is who each firm suits, based only on what they publish.
Pick Top One Futures if
- you want the cheaper way in ($39 vs $49 for the smallest account)
- you care about cost per $1K of account ($0.78 vs $0.98)
- you want a faster payout cycle (daily / on demand)
- you need Tradovate, NinjaTrader and TradingView
Pick Topstep if
- you want the longer track record (operating since 2012)
- you weigh firm-reported payouts ($1.5B+ paid out to prop firm traders)
Price at each account size
Cheapest program each firm sells at the sizes both offer.
| Account | Top One Futures | Topstep |
|---|---|---|
| $50K | $39 | $49 |
| $100K | $398 | $99 |
| $150K | $549 | $199 |
Payouts
Top One Futures: Elite Daily: daily from funded Day 1; Elite Access: every 5 profitable days; Instant/Ignite: each time the payout profit target is hit with consistency met. First payout after 1 days. Methods: Rise: bank, Rise: crypto. The firm reports "Paid out to traders $31,053,814" (homepage, checked 31 Oct 2026).
Topstep: after 5 winning days $150+ (Standard) or 3 days w/ 40% consistency (Consistency path). First payout after 3 days. Methods: Prop-to-brokerage (US), Aeropay (US), Wise (China, Canada, UK), ACH (US, $30 fee), Wire/SWIFT ($30 fee). The firm reports "$1.5B+ paid out to prop firm traders" (homepage, checked 31 Oct 2026).
Firm-reported payout totals are the firms' own figures. We have not audited them.
Rule changes
No rule changes logged for either firm since tracking began. Any change will show here and on the rule-change log.
Legit check
Track record, review volume, payout terms and restrictions for each firm, on one page each: Is Top One Futures legit? · Is Topstep legit?
FAQ
Which is cheaper, Top One Futures or Topstep?
Smallest published entry fee: Top One Futures $39, Topstep $49. Cheapest per $1K of account: Top One Futures $0.78, Topstep $0.98.
Which pays out faster, Top One Futures or Topstep?
Top One Futures: Elite Daily: daily from funded Day 1; Elite Access: every 5 profitable days; Instant/Ignite: each time the payout profit target is hit with consistency met. Topstep: after 5 winning days $150+ (Standard) or 3 days w/ 40% consistency (Consistency path).
Which has the higher profit split?
Top One Futures: 90%; Topstep: 90%. Headline splits often need scaling or an add-on.
Which is better for beginners, Top One Futures or Topstep?
On our six-point beginner checklist Top One Futures meets 2 and Topstep meets 1. The checklist is explained on the best prop firms for beginners page.
Are Top One Futures and Topstep legit?
Both publish their rules and are listed with sources. See the evidence pages: propanalyse.com/firms/topone-futures/legit/ and propanalyse.com/firms/topstep/legit/.