FXIFY vs TopStep: Program Comparison
Compare the selected programs, rules, total costs and payout conditions.
Quick Verdict
FXIFY and TopStep serve different product/market scopes. Compare the exact permitted instruments and account terms before comparing costs or software.
Head-to-Head Comparison
| Metric | FXIFY | TopStep |
|---|---|---|
| Company information | Check the legal counterparty and registration in the current FXIFY terms. This review does not establish regulatory protection or payout enforceability from a parent-company claim. | Directory lists 2012, Chicago, USA; check the current legal counterparty and terms. Age and location do not certify payout safety. |
| Market / product scope | Selected FXIFY program; confirm its simulated-account terms and permitted instruments | Futures |
| Program cost | Check the official selector for the total fee of the selected program, size and add-ons. | Listed directory fee: $49; verify the current product, options and full cost with the firm. |
| Account size / product scope | Program-specific: the official site advertises evaluation sizes up to $400,000; Instant and Lightning have separate sizes. | $50,000 to $150,000 in the directory snapshot; verify the current product. |
| Profit split | Up to 90% for the cited forex evaluation programs, subject to the purchased option and eligibility; not a guaranteed payout. | 90% (first $10K), then 90% thereafter |
| Payouts | First Payout On Demand is described for One Phase, Two Phase Standard and Three Phase; Instant has a different first-payout schedule. | Weekly (after 5 winning days, 30%+ above starting balance) |
| Challenge model | One / Two / Three Phase, Lightning and Instant are distinct programs | 1-step Trading Combine |
| Platforms / permission | FXIFY lists Platform 4, Platform 5 and DXTrade among its options. Availability depends on the selected program; Lightning is MT5-only in the current guide. | TopstepX, NinjaTrader, TradingView, Tradovate in the directory snapshot; confirm current program access and permission. |
FXIFY Pros
- Separate evaluation programs offer different phase and drawdown structures.
- The official One / Two / Three Phase guidance describes a first-payout-on-demand route subject to eligibility.
- Official guidance distinguishes which programs can use a pre-approved EA.
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
Program Fit to Verify
FXIFY: Readers who want to compare the actual evaluation or Instant product terms and obtain any required EA approval before paying or connecting.
TopStep: Futures day traders who can pass a 1-step combine manually (no algos).
Test Both Against Your Strategy Before You Pay
EA Hub can illustrate selected preset checks using supplied backtest results. It does not establish that a strategy would pass either firm. Verify current product rules, intraday equity behavior, costs, permission and payout eligibility separately.
Read the service description and terms separately. Neither account ownership nor software availability authorizes a third party to trade or copy into either firm. Check the proposed arrangement against both firms’ current rules before connecting.
Full FXIFY and TopStep Reviews
FXIFY official sources
Editorial rules checked 2026-10-16. Check the current version for the exact product and stage before purchase or connection.
Frequently Asked Questions
Which is cheaper, FXIFY or TopStep?
FXIFY: Check the official selector for the total fee of the selected program, size and add-ons. TopStep: Listed directory fee: $49; verify the current product, options and full cost with the firm. Compare equivalent program sizes, add-ons, access periods, activation and repeat costs; there is no universal cheapest product from these two brand names.
How do their payout shares compare?
FXIFY: Up to 90% for the cited forex evaluation programs, subject to the purchased option and eligibility; not a guaranteed payout. TopStep: 90% (first $10K), then 90% thereafter Compare the exact program, caps, buffers and eligibility. No payout or future result is guaranteed.
Can I run the same EA on both?
FXIFY: FXIFY’s current guide requires support review and pre-approval for EAs on One Phase, Two Phase and Three Phase evaluation and funded accounts. Lightning, Instant Funding and Instant Funding Lite do not permit EAs under the cited program guidance. Get the required approval for the exact program before enabling it. TopStep: Check current product-specific EA, copying and account-access permission. Shared platform names or a recompilation do not establish permission or equivalent behavior.
Which firm is safer or more reputable?
This comparison does not establish payout safety. Company age, a parent-company relationship, review scores and location do not by themselves establish regulation, financial stability or enforceability of a payout. Check the legal counterparty, current contract and independently supportable evidence rather than inferring a winner.
What should a swing trader compare?
Check permitted holding periods, current session-closing deadlines and how each account calculates and enforces its loss floor. An end-of-day update can still be enforced against open losses intraday. Compare the exact stage and product rather than assuming that all trailing floors follow unrealized peaks.
Can I use accounts at both firms?
Check both firms' current personal-use, maximum-allocation, copying, device and strategy rules before any connection. Owning an account does not establish permission to copy a third party or have someone else trade it. More accounts do not guarantee diversified risk or payouts.