Topstep vs TradeDay
Both score 7.0 out of 10 on PropFirmly's rating, so the rows below decide it. Below: who each firm suits, then the two futures firms row by row. Both checked on or after 25 October 2026.
Topstep
United States
Edge: costs less at $100K; pays a higher split from the first payout
Visit Topstep(opens the firm’s website in a new tab)TradeDay
United States
Edge: has better trader reviews
Visit TradeDay(opens the firm’s website in a new tab)Head to head
An unweighted feature comparison: a dot marks the side ahead on that row alone. Rows are not weighted, the PropFirmly score already counts several of them, and which rows matter depends on how you trade, so the number of dots does not pick the better firm.
| Feature | Topstep | TradeDay |
|---|---|---|
| PropFirmly score | 7.0 | 7.0 |
| Trustpilot | 3.7 (14,989) | 4.6 (1,452) (ahead) |
| Years operating | 14 (ahead) | 6 |
| Headquarters | United States | United States |
| Cheapest $100K account | $149/mo (ahead) | $240/mo |
| Profit split, up to | 90% | 90% |
| Max funding | $750K | $750K |
| Programs | 1-step | 1-step |
| Platforms | In-house platform, ProjectX, Quantower | Tradovate, NinjaTrader, TradingView, Jigsaw Daytradr, Rithmic, R|Trader Pro, Quantower, ATAS, MotiveWave, Bookmap, Sierra Chart, WealthCharts, MultiCharts (ahead) |
| News trading | Allowed with limits | Allowed with limits |
| Expert advisors | Allowed (ahead) | Allowed with limits |
| Copy trading | Allowed with limits | Allowed with limits |
| Overnight holding | Not allowed | Not allowed |
| Weekend holding | Not allowed | Not allowed |
| Payouts | Express Funded Standard: after every 5 winning days of $150 or more. Express Funded Consistency: after 3 traded days with the best day at or below 40% of net profit. Live: every 5 winning days, and daily after 30 winning days. | Quick Pay: any time the Funded Sim balance is positive, from the first trading day. Fast Pass: after every five qualifying profitable days. Requests made before 5:30 PM CT are processed within one business day. |
| Payout methods | Broker account transfer, ACH, Wise, Bank wire (ahead) | Rise, Bank wire, Crypto |
| US traders | Accepted | Accepted |
Which should you choose?
Choose Topstep if
- you want the lower total cost at $100K: $149 a month for the Trading Combine (No Activation Fee), against $240 a month for TradeDay's Quick Pay (Intraday).
- you want more of the profit from the first payout: up to 90% from the start, against 80% at TradeDay.
- you run expert advisors: Topstep allows it, TradeDay allows it with limits.
- you put weight on track record: Topstep has operated since 2012, TradeDay since 2020.
Choose TradeDay if
- you weigh trader reviews: 4.6 on Trustpilot from 1,452 reviews, against 3.7.
The trade-off: Topstep costs less at $100K and pays a higher split from the first payout, while TradeDay has better trader reviews. Decide which of those matters more for how you trade.
Challenges side by side
Every account from both firms. The table opens at $100K, the size both sell nearest $100K.
Challenges 5
| Loss limits | Buy | |||||
|---|---|---|---|---|---|---|
 Topstep3.715K | $50K1 StepTrading Combine (No Activation Fee) | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 90% | $95/mo | Buy |
 TradeDay4.61.5K | $25K1 StepQuick Pay (Intraday) | 6%1.50× loss | 4% maxNo daily limit · Intraday trailing | 50%to 90% | $45$100/mo | Buy |
TradeDay4.61.5K | $25K1 StepQuick Pay (EOD) | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 50%to 90% | $54$120/mo | Buy |
TradeDay4.61.5K | $25K1 StepFast Pass | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 80%to 90% | $58.50$130/mo | Buy |
TradeDay4.61.5K | $50K1 StepQuick Pay (Intraday) | 6%1.50× loss | 4% maxNo daily limit · Intraday trailing | 50%to 90% | $58.95$131/mo | Buy |
Topstep3.715K | $100K1 StepTrading Combine (No Activation Fee) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 90% | $149/mo | Buy |
TradeDay4.61.5K | $50K1 StepQuick Pay (EOD) | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 50%to 90% | $78.75$175/mo | Buy |
TradeDay4.61.5K | $50K1 StepFast Pass | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 80%to 90% | $85.05$189/mo | Buy |
Topstep3.715K | $50K1 StepTrading Combine (Standard) | 6%1.50× loss | 4% maxNo daily limit · End-of-day trailing | 90% | $49/mo+ $149 on passing | Buy |
Topstep3.715K | $150K1 StepTrading Combine (No Activation Fee) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 90% | $229/mo | Buy |
TradeDay4.61.5K | $100K1 StepQuick Pay (Intraday) | 6%2.00× loss | 3% maxNo daily limit · Intraday trailing | 50%to 90% | $108$240/mo | Buy |
Topstep3.715K | $100K1 StepTrading Combine (Standard) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 90% | $99/mo+ $149 on passing | Buy |
TradeDay4.61.5K | $100K1 StepQuick Pay (EOD) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 50%to 90% | $128.25$285/mo | Buy |
Topstep3.715K | $150K1 StepTrading Combine (Standard) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 90% | $199/mo+ $149 on passing | Buy |
TradeDay4.61.5K | $100K1 StepFast Pass | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 80%to 90% | $157.50$350/mo | Buy |
TradeDay4.61.5K | $150K1 StepQuick Pay (Intraday) | 6%2.00× loss | 3% maxNo daily limit · Intraday trailing | 50%to 90% | $162$360/mo | Buy |
TradeDay4.61.5K | $150K1 StepQuick Pay (EOD) | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 50%to 90% | $180$400/mo | Buy |
TradeDay4.61.5K | $150K1 StepFast Pass | 6%2.00× loss | 3% maxNo daily limit · End-of-day trailing | 80%to 90% | $238.50$530/mo | Buy |
No challenges match these filters. Pick another size or clear a filter.
What could each one pay you?
An illustration, not a forecast: a steady monthly return on the funded account, at each firm's starting split, against the fee for its cheapest account at that size. Most traders do not pass, and returns are rarely steady.
Topstep
- Your share over the period
- Fee
- Split
TradeDay
- Your share over the period
- Fee
- Split
More comparisons
Topstep vs
Topstep vs TradeDay questions
Should I choose Topstep or TradeDay?
It depends on how you trade. The trade-off: Topstep costs less at $100K and pays a higher split from the first payout, while TradeDay has better trader reviews. Decide which of those matters more for how you trade. The row-by-row table is an unweighted comparison, so count the rows that matter to you rather than all of them.
Which is cheaper, Topstep or TradeDay?
At $100K, counting every fee due to get funded, Topstep's cheapest account is $149 a month (Trading Combine (No Activation Fee)) and TradeDay's is $240 a month (Quick Pay (Intraday)), at list price before discounts. Price alone does not decide which is easier to pass: compare the targets and loss limits in the table above.
Which pays a higher profit split?
From the first payout, Topstep pays up to 90% and TradeDay up to 80%. Both advertise a maximum of 90%. A maximum usually depends on scaling, several payouts or a paid add-on, so the starting split is the one to compare first.
Which firm has been operating longer?
Topstep was founded first, in 2012. TradeDay started in 2020.
Can traders in the United States use Topstep or TradeDay?
Topstep: yes. TradeDay: yes. Both firms publish a list of restricted countries, linked from their profile pages here.
Do Topstep and TradeDay allow news trading?
Topstep: allowed with limits (News can be traded, but deliberately trading the full maximum position size into a scheduled major news event is prohibited). TradeDay: allowed with limits (Open positions are closed two minutes before TradeDay's tier 1 releases (FOMC, CPI, NFP, EIA inventories, crop reports) and trading reopens two minutes after; deliberate breaches can cost the account).
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