Rules compared
| Rule | Topstep | Tradeify |
|---|---|---|
| Market | Futures | Futures |
| Phases | One-phase | One-phase |
| Eval cost (mid tier) | $165 | $130 |
| Profit target | 6% | 6% |
| Max drawdown | Trailing (EOD) · 4% | Trailing (EOD) · 4% |
| Daily loss limit | 2% | None |
| Consistency rule | None | None |
| Min trading days | 2 | 1 |
| Max days | Unlimited | Unlimited |
| Profit split | 100% | 90% |
| Payout buffer | 1% | 4% |
| Trailing on funded | Yes | No |
| Payout frequency | Every 4 days | Every 14 days |
Simulated outcomes, same trader
Identical balanced archetype (50% win rate, 1.2R average winner, 3 trades a day), 10,000 simulated evaluations against each firm's exact ruleset.
| Metric | Topstep | Tradeify |
|---|---|---|
| Pass rate | 0.5% | 58.5% |
| Payout rate (if passed) | 46.6% | 35.4% |
| Joint withdrawal probability | 0.5% | 20.7% |
| Expected P&L over 50 challenges | -$8k | $34.6k |
| Failures from drawdown breach | 13% | 58% |
| Failures from daily loss | 77% | 0% |
Which should you pick?
Topstep: Topstep is the industry veteran and has the cleanest funded-account structure — no consistency rule at any stage, real payouts on schedule. The Trading Combine is one of the tougher single-phase evaluations because of the strict daily loss and the trailing max loss on both eval and funded. Traders who blow up on daily-loss gates elsewhere blow up here too.
Tradeify: Tradeify's Advanced plan uses end-of-day trailing drawdown, which meaningfully raises pass rates versus intraday-trailing competitors. One phase, no consistency rule on the eval, and reasonable payout gates. Solid middle-of-the-road choice — not the cheapest, not the strictest.
On the numbers above, Tradeify is the better expected-value choice for a balanced profile — but archetypes are not you. A scalper and a swing trader can flip this ranking entirely, because drawdown type punishes lumpy P&L far more than frequent small P&L. Run your own drawdown numbers first, then simulate your real stats.
Frequently asked
Is Topstep or Tradeify easier to pass?+
In our simulation of a balanced 50%-win-rate trader, Topstep passes 0.5% of the time and Tradeify passes 58.5% — so Tradeify is the easier evaluation for that profile. The gap is driven mostly by drawdown type (Trailing (EOD) vs Trailing (EOD)) and the number of phases.
Which is cheaper, Topstep or Tradeify?+
The mid-tier evaluation costs $165 at Topstep and $130 at Tradeify. Sticker price is the wrong comparison though: over 50 attempted challenges our simulation nets -$8k at Topstep versus $34.6k at Tradeify, because a cheaper eval you fail more often is not cheaper.
Which pays out more reliably, Topstep or Tradeify?+
Conditional on passing, our model gives Topstep a 46.6% chance of reaching a first payout versus 35.4% at Tradeify. End to end — pass and withdraw — that is 0.5% vs 20.7%. Profit splits are 100% and 90%.
What is the biggest rule difference between Topstep and Tradeify?+
Topstep uses a trailing (eod) drawdown of 4% with a 2% daily loss limit; Tradeify uses a trailing (eod) drawdown of 4% with no daily loss limit. Topstep is the stricter ruleset for most trading styles.
Compare both firms using YOUR trading stats
Log your trades in the journal, push your real win rate and R-multiple into the simulator, and see which of these two rulesets you actually clear.
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Based on publicly listed rules as of 2026-07-15. Independent — not affiliated with Topstep or Tradeify. Rules change; verify before paying. Simulations are estimates, not guarantees.