FXIFY vs TopStep: Which Prop Firm Wins in 2026?
Side-by-side breakdown of rules, fees, payouts and who should pick which.
Quick Verdict
FXIFY and TopStep serve different markets — FXIFY for forex/CFD traders, TopStep for futures traders. Pick based on what you actually trade, not which firm looks better on paper.
Head-to-Head Comparison
| Metric | FXIFY | TopStep |
|---|---|---|
| Founded | 2023 | 2012 |
| HQ | London, UK | Chicago, USA |
| Market | Forex/CFD | Futures |
| Minimum fee | $79 | $49 |
| Account size range | $10,000 – $400,000 | $50,000 – $150,000 |
| Profit split | 80% (up to 90%) | 90% (first $10K), then 90% thereafter |
| Payouts | Bi-weekly (on-demand after 2 payouts) | Weekly (after 5 winning days, 30%+ above starting balance) |
| Challenge model | 1-step, 2-step, or 3-step (trader picks) | 1-step Trading Combine |
| Platforms | MT4, MT5, cTrader, DXtrade | TopstepX, NinjaTrader, TradingView, Tradovate |
FXIFY Pros
- Choice of 1/2/3-step models — pick your own difficulty vs reward curve
- Up to $400K account size — largest in the industry
- Add-ons (no time limit, 90% split, 125% refund) let you customise risk
- UK-regulated parent makes payouts legally enforceable
TopStep Pros
- Oldest and most established futures prop firm (2012)
- Highest profit split in futures space (90%)
- 1-step combine — pass once, get funded
- Regulated (SEC/CFTC adjacent), payouts reliably processed
Who Should Pick Which?
Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.
Pick TopStep if: Futures day traders who can pass a 1-step combine manually (no algos).
Test Both Against Your Strategy — Before You Pay
Run your backtest through JPTradingCapital's Prop Firm Checker — we evaluate your trades against FXIFY's and TopStep's exact rulesets and tell you which one your strategy would actually pass.
Full FXIFY and TopStep Reviews
Frequently Asked Questions
Which is cheaper, FXIFY or TopStep?
TopStep is cheaper to start, with a minimum challenge fee of $49. FXIFY starts at $79 and TopStep starts at $49. Cheaper entry doesn't always mean better value — check the profit split, account ceiling, and payout reliability before deciding.
Which has the better profit split, FXIFY or TopStep?
FXIFY offers 80% (up to 90%) and TopStep offers 90% (first $10K), then 90% thereafter. Note: most prop firms scale the split with consecutive payouts, so the headline number is just the starting point.
Can I run the same EA on both FXIFY and TopStep?
It depends on which platform your EA targets. FXIFY supports MT4, MT5, cTrader, DXtrade and TopStep supports TopstepX, NinjaTrader, TradingView, Tradovate. There's no platform overlap, so you'd need to recompile or rewrite the EA.
Which is more reputable, FXIFY or TopStep?
FXIFY (founded 2023) has the longer track record. FXIFY was founded in 2023 and is still building its payout reputation. For larger account sizes the older firm is usually the safer pick.
Which is better for swing traders, FXIFY or TopStep?
Swing traders need to check two things: (1) whether the firm allows weekend holds, and (2) whether the daily drawdown is static or trailing. Trailing DD is brutal for swing positions because intraday peak equity becomes the new floor. See the Pros/Cons section above for each firm's specifics.
Can I use both FXIFY and TopStep simultaneously?
Yes — most prop firms allow you to hold multiple accounts at different firms (their rules apply only to their own accounts). Some traders deliberately diversify across 2-3 firms to reduce single-firm risk and stack payouts.