Funding Rock vs Topstep: Comprehensive Comparison
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Introduction
Funding rock and TopStep are two prominent proprietary trading firms that provide traders with funded accounts to trade futures markets. TopStep, founded in 2012, is one of the industry pioneers with a well-established reputation and a Trustpilot rating of approximately 4.3/5 from over 3,000 reviews. Funding rock is a newer entrant in the prop trading space, focusing on providing flexible evaluation programs for futures traders. Both companies offer traders the opportunity to prove their skills through evaluation processes and earn profit splits from funded accounts, but they differ significantly in their program structures, pricing models, and trading rules. This comprehensive comparison will help you determine which platform best aligns with your trading style and career goals.
Quick Facts
| Feature | Funding Rock | Topstep |
|---|---|---|
| 
| |
| Founded | 2025 | 2012 |
| Profit Split | 80-90% | 100% first $10,000, then 90/10 |
| Maximum Account Size | $1,000,000 | $150,000 |
| Evaluation Phases | 2 | 1 |
| Trustpilot Rating | — | 3.4 |
| Expert Grade | 7.9 | 9 |
Program Types
| Program | Funding Rock | Topstep |
|---|---|---|
| Entry Level Program | Yes | Yes |
| Advanced Program | Yes | — |
| Scaling Options | Yes | No |
| Demo Account | Yes | No |
Rules & Assessment
| Criteria | Funding Rock | Topstep |
|---|---|---|
| Profit Target | — | 6% |
| Maximum Drawdown | — | Trailing MLL: $2,000-$4,500 |
| Minimum Trading Days | — | 5 |
| News Trading | Yes | Yes |
Fees & Pricing
| Option | Funding Rock | Topstep |
|---|---|---|
| CFD $5K Account | USD 110 / Instant Funding / One-time | Not offered |
| CFD $10K Account | USD 180 / Instant Funding / One-time | Not offered |
| CFD $25K Account | USD 370 / Instant Funding / One-time | Not offered |
| CFD $50K Account | USD 640 / Instant Funding / One-time | Not offered |
| CFD $100K Account | USD 1000 / Instant Funding / One-time | Not offered |
| Futures $50K Account | Not offered | USD 49 / Trading Combine / Monthly |
| Futures $100K Account | Not offered | USD 99 / Trading Combine / Monthly |
| Futures $150K Account | Not offered | USD 149 / Trading Combine / Monthly |
| Coupons / Discount | Funding Rock discount | Topstep discount |
Platforms & Markets
| Feature | Funding Rock | Topstep |
|---|---|---|
| Trading Platforms | cTrader, TradeLocker | TopstepX |
| Forex | Yes | Yes |
| Stocks | No | No |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | Yes | No |
| Bonds | No | Yes |
| EA/Algo Trading | Yes | Yes |
Payout
| Feature | Funding Rock | Topstep |
|---|---|---|
| Payout Terms | First after 14 days; bi-weekly thereafter; via Wise (1-3 business days) | Bi-weekly via ACH, wire, or Rise; $50 minimum |
| See all prop firm payouts → | ||
Verdict
| Key Element | Funding Rock | Topstep |
|---|---|---|
| Strengths | Generous profit splits, quick evaluation, flexible rules, scaling opportunities, transparent terms | Industry pioneer, generous first $10K profit split, no time limits, EAs permitted, no daily loss limit, $1B+ paid to traders |
| Weaknesses | Express payouts require add-on, newer firm with limited track record, limited rule detail | Monthly subscription fees compound, $149 activation fee, TopstepX platform exclusive, futures-only, trailing MLL can catch intraday profit-takers |
| Best For | Both new and experienced traders seeking professional funding | Serious futures traders seeking established firm with forgiving evaluation |
Conclusion and Final Recommendation
Choose Funding Rock if you want a larger funded ceiling at $1M, a demo account to test the platform first and coverage of cryptocurrencies that the other does not offer. Choose Topstep if a shorter evaluation at 1 phase, a cheaper entry, from USD 49 and coverage of bonds that the other does not offer matter more to you. Neither firm is better in the abstract. The right choice depends on your strategy, your budget and the instruments you trade, so read both full reviews before you commit. Verify current rules and pricing on each firm’s own site before purchasing.
Frequently asked questions
What should I know about Funding Rock’s programs?
FundingRock lists Instant, Pay Later and evaluation options. Program rules and optional add-ons change both the risk limits and reward eligibility. Funding Rock official rules.
What should I know about Topstep’s programs?
Topstep distinguishes Express Funded Account Standard and Consistency paths, followed by a separate Live Funded Account stage. Topstep official rules.
How do payouts differ between Funding Rock and Topstep?
The displayed programs list an 80% share, with a 95% add-on. The one-step and two-step evaluation-funded arrangements list 14-day reward eligibility; the displayed Instant arrangement has separate instant-withdrawal conditions. Funding Rock official rules.
The current payout policy lists a 90/10 split and a $125 minimum. Standard requires five winning days of $150 or more; Consistency requires three days and a 40% consistency target. Requests are subject to account-size caps. Topstep official rules.
Which account rules matter when comparing Funding Rock and Topstep?
For the displayed one-step option, maximum loss is 6% trailing-lock; the two-step option uses 6% static maximum loss. The funded consistency limits differ from the Instant option. Funding Rock official rules.
Express payouts are generally limited to 50% of account balance up to the applicable cap. Legacy eligibility and optional daily-loss-limit arrangements can change the caps or split treatment. Topstep official rules.
Is Funding Rock or Topstep automatically the better choice?
No. The two firms lead on different things: Funding Rock has the larger funded ceiling at $1M and market access the other lacks, namely cryptocurrencies, while Topstep has the shorter evaluation at 1 phase and the cheaper entry at USD 49. Which of those matters more depends on how you actually trade, so compare the total fee once add-ons and resets are included, the evaluation objectives for the exact program you buy and platform availability, rather than the headline numbers. If you fail an evaluation, do not assume either firm offers a fixed reset discount: check the reset terms for the specific account you bought.
How We Compared Funding rock and TopStep
Both firms on this page carry a JoinProp Rating out of 10. We produce that rating with the same 9-factor methodology we apply to every firm we review: payout reliability (20%), fee structure (15%), drawdown rules (15%), profit split (15%), evaluation terms (10%), trading rules (10%), support access and responsiveness (5%), scaling plan (5%), and track record and transparency (5%).
The inputs come from our firm reviews, not from this page. For each firm we work from the current terms and conditions rather than marketing pages, track rule and pricing changes over time, and read payout and support reports across Trustpilot, Reddit and Discord, looking for recurring patterns rather than isolated complaints. Every firm is re-checked at least every 90 days, or sooner after a material change. Affiliate relationships have no effect on any rating, and ratings are never sold.
The tables above show the evidence behind those factors. A few rows, including trading platforms, available instruments, maximum account size and demo availability, are there to help you judge fit and do not affect either rating.
Read our full ranking methodology
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