Instant Funding vs Topstep
Detailed side-by-side comparison to help you choose the best prop trading firm in 2026.
Price From
$47
$49
Profit Split
Up to 95%
Up to 90%
Max Drawdown
10%
4%
Category
Forex
Futures
Editor Score
3.5/5
4.6/5
Instant Funding
Pros
- Direct funded accounts — no evaluation
- Up to 90% profit split
- Scaling up to $3.82M
- Multiple account types available
Cons
- Strict hidden rules reported by traders
- Payout delays reported
- Website frequently inaccessible
Topstep
Pros
- Industry pioneer since 2012
- 90% profit split
- Pass in as little as 2 days
- NFA registered member
- Payout up to $6,000
- Proprietary TopstepX platform
- Real futures trading
Cons
- $149 activation fee after passing
- Futures only - no forex or stocks
- Monthly subscription model