Funding Pips vs Topstep (2026) — Which Is Better?
Compare Funding Pips and Topstep — features, pricing, pros and cons.
Quick Verdict
Higher Rated
Funding Pips (4.3)
More Affordable
Funding Pips ($29/mo)
Funding Pips
Dubai-based prop firm offering 2-step, 1-step, and instant funding programs with up to 100% profit splits and $200M+ in total payouts.
Topstep
Veteran futures prop firm with a structured Trading Combine evaluation, risk management coaching, and funded accounts up to $150K.
Our Analysis
Funding Pips and Topstep serve different trader profiles. Funding Pips offers broader market access (48 forex/CFD instruments) with entry at $29/month for a $5K challenge, attracting traders seeking low barriers and flexible profit splits up to 100%. Topstep charges $165/month for exclusive futures access through a structured Trading Combine evaluation. The former emphasizes variety and affordability; the latter specializes in institutional-grade evaluation and trader development.
Funding Pips' advantage is aggressive profit splits reaching 100% with sub-$30 entry pricing—making funded trading accessible to retail traders. Topstep's distinction is veteran credibility and specialization: the industry-recognized Trading Combine, risk management coaching, and 100% profit splits on the first $5,000 earned. Both share strong ratings (4.3/5 and 4.2/5 respectively) and identical feature sets including AI analysis, backtesting, and mobile apps.
Choose Funding Pips if you trade forex or commodities, want rapid funding approval, and prefer flexible account options. Topstep suits experienced futures traders prioritizing structured evaluation, mentorship, and accountability through consistency rules. For budget-conscious traders, Funding Pips wins at $29/month; for professionals seeking risk infrastructure and trader development, Topstep justifies its $165 monthly cost.
Feature Comparison
| Feature | Funding Pips | Topstep |
|---|---|---|
| Rating | ★ 4.3 | ★ 4.2 |
| Starting Price | $29/mo | $165/mo |
| Free Tier | No | No |
| Markets | forex, crypto, indices, metals, energies | futures |
| AI Analysis | ✗ | ✗ |
| Backtesting | ✗ | ✗ |
| Paper Trading | ✓ | ✓ |
| Price Alerts | ✗ | ✗ |
| Mobile App | ✗ | ✓ |
| API Access | ✗ | ✗ |
| Social Features | ✗ | ✓ |
| Broker Integration | ✗ | ✓ |
| Custom Indicators | ✗ | ✗ |
| Automated Trading | ✓ | ✗ |
| Trade Journaling | ✗ | ✓ |
| Performance Analytics | ✓ | ✓ |
| Risk Management | ✓ | ✓ |
| News Feed | ✗ | ✗ |
| Education Content | ✗ | ✓ |
Funding Pips: Pros & Cons
Pros
- + Competitive entry pricing starting at $29 for a $5K challenge
- + Flexible profit splits up to 100% with multiple payout frequencies
- + Strong 4.5/5 Trustpilot rating from 43,000+ verified reviews
- + Zero (Instant Funding) program skips evaluation with 95% split
- + Automatic affiliate program with up to 10% commission
Cons
- - No individual stocks, options, or futures available (~48 instruments only)
- - cTrader requires a $20 surcharge
- - No standalone mobile app — relies on third-party platform mobile clients
- - Mid-tier pricing not fully transparent without promotional discounts
Topstep: Pros & Cons
Pros
- + One of the most established and trusted prop firms
- + Strong emphasis on risk management and trader development
- + 100% profit split on first $5,000
- + Active community with live trading rooms
- + Consistent and reliable payout history
Cons
- - Futures only — no forex or equities
- - Evaluation rules can be restrictive (consistency requirement)
- - Monthly fees accumulate during evaluation period
- - Automated trading not permitted
- - Smaller maximum account size than some competitors