Topstep vs Instant Funding
Detailed side-by-side comparison to help you choose the best prop trading firm in 2026.
Price From
$49
$47
Profit Split
Up to 90%
Up to 95%
Max Drawdown
4%
10%
Category
Futures
Forex
Editor Score
4.6/5
3.5/5
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
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