OFP Funding vs TopStep: Comprehensive Comparison
OFP Funding vs TopStep: Comprehensive Comparison
Introduction
OFP Funding and TopStep are two prominent proprietary trading firms that provide funded trading accounts to aspiring futures traders. OFP Funding (Online Funded Prop) has established itself as a modern, trader-friendly prop firm offering flexible evaluation programs with competitive profit splits and straightforward rules. TopStep, founded in 2012, is one of the industry pioneers with over a decade of experience, having funded thousands of traders and paid out millions in profits. TopStep maintains a strong reputation with a Trustpilot rating of approximately 4.3/5 from over 1,000 reviews, while OFP Funding has been building its reputation as a newer entrant with competitive offerings and trader-centric policies. Both firms offer traders the opportunity to trade with significant capital without risking their own money, but they differ in their evaluation processes, pricing structures, and trading rules.
Quick Comparison |
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|---|---|---|
| Feature | OFP Funding | TopStep |
| Founded | 2020s | 2012 |
| Trustpilot Rating | 4.5/5 (100+ reviews) | 4.3/5 (1,000+ reviews) |
| Account Sizes | $25K – $250K | $50K – $150K |
| Profit Split | Up to 90% | Up to 100% (first $5K), then 90% |
| Evaluation Fee | Starting at $99 | Starting at $165/month |
| Review | Read full review | Read full review |
Program Types – Which experience fits your goals? |
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|---|---|---|
| Program | OFP Funding | TopStep |
| Standard Evaluation | ✓ One-step and two-step evaluation programs available | ✓ Time-based evaluation (up to 4 months) |
| Express/Fast Track | ✓ One-step evaluation option for faster funding | ✓ Express program available for experienced traders |
| Scaling Plan | ✓ Account scaling based on performance | ✓ Account scaling up to $150K based on consistency |
| Reset Options | ✓ Discounted resets available | ✓ Reset available at reduced monthly fee |
| Free Retries | Varies by program | ✗ Not included |
Assessment Criteria – How can you pass the test? |
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|---|---|---|
| Criteria | OFP Funding | TopStep |
| Profit Target | $3,000 – $15,000 (depending on account size) | $3,000 – $9,000 (depending on account size) |
| Max Daily Loss | $2,000 – $7,500 (depending on account size) | $2,000 – $3,000 (depending on account size) |
| Max Total Drawdown | $3,000 – $10,000 (static or trailing) | $3,000 – $5,000 (trailing) |
| Minimum Trading Days | 3-5 days minimum | 5 days minimum during evaluation |
| Maximum Trading Days | Unlimited (one-step), 30-60 days (two-step) | Up to 120 days |
| Consistency Rule | Best day cannot exceed certain % of total profit | No single day can exceed 50% of total profit |
| Position Limits | Specified per account size | Specified per instrument and account size |
Fees and Pricing – How much will you pay? |
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|---|---|---|
| Option | OFP Funding | TopStep |
| $25K Account | $99 – $149 (one-time) | Not Available |
| $50K Account | $199 – $249 (one-time) | $165/month |
| $100K Account | $349 – $449 (one-time) | $325/month |
| $150K Account | $549 – $649 (one-time) | $375/month |
| Activation Fee | Included | $99 – $199 upon passing |
| Monthly Platform Fee | None after funded | $150 – $195/month after funding |
| Refundable on Profit | ✓ First profit withdrawal includes fee refund | ✗ Activation fee non-refundable |
| Coupons | Coupon Code | Coupon Code |
| Review | Read full review | Read full review |
Platforms/Tools – What can you use? |
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|---|---|---|
| Platform/Tool | OFP Funding | TopStep |
| Trading Platforms | Rithmic, NinjaTrader, TradingView | TopstepTrader Platform, Quantower, NinjaTrader 8 |
| Data Feeds | Rithmic, CQG | Rithmic data included |
| Mobile Trading | ✓ Available on supported platforms | ✓ Limited mobile support |
| Auto-Trading/Bots | ✓ Allowed (with restrictions) | ✓ Allowed (must be disclosed) |
| Third-Party Tools | ✓ Compatible with most futures tools | ✓ Compatible with approved integrations |
| Dashboard & Analytics | ✓ Trader dashboard with statistics | ✓ Comprehensive performance analytics |
Available Markets – What can you trade? |
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|---|---|---|
| Market Category | OFP Funding | TopStep |
| Equity Index Futures | ✓ ES, NQ, YM, RTY, and micro contracts | ✓ ES, NQ, YM, RTY, and micro contracts |
| Energy Futures | ✓ CL, NG, and related products | ✓ CL, NG, RB, HO |
| Agricultural Futures | ✓ ZC, ZS, ZW, and other grains | ✓ ZC, ZS, ZW, and other grains |
| Metal Futures | ✓ GC, SI, HG, and other metals | ✓ GC, SI, HG, and other metals |
| Currency Futures | ✓ 6E, 6B, 6J, and other currencies | ✓ 6E, 6B, 6J, and other currencies |
| Interest Rate Futures | ✓ ZN, ZB, and treasury products | ✓ ZN, ZB, ZF, and treasury products |
| Cryptocurrency Futures | ✓ Bitcoin and Ethereum futures (BTC, ETH) | ✓ Bitcoin and Ethereum futures |
Technical Capabilities/Performance |
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|---|---|---|
| Feature | OFP Funding | TopStep |
| Execution Speed | Fast via Rithmic infrastructure | Fast via NinjaTrader and TradeOvate |
| Automated Trading | ✓ Permitted with restrictions | ✓ Allowed with proper disclosure |
| Order Types | Market, Limit, Stop, OCO | All standard futures order types |
| Platform Reliability | Modern infrastructure, good uptime | Very reliable, established since 2012 |
| Data Feed Quality | Rithmic data included with evaluation | Free Rithmic or TopStep data feed |
| Trading Hours | Standard futures market hours | Nearly 24/5 access on major products |
Payout & Profit Sharing – How do you get paid? |
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|---|---|---|
| Element | OFP Funding | TopStep |
| Profit Split | 80% standard, up to 90% with scaling | 100% on first $5K, then 90% |
| First Payout Timing | 14 days after first funded trade | 8 trading days + 10 calendar days |
| Subsequent Payouts | On-demand (bi-weekly minimum) | Every 15 calendar days |
| Minimum Payout Amount | $100 | $100 |
| Payout Methods | Bank transfer, crypto, payment processors | ACH, wire transfer, PayPal |
| Payout Fees | Varies by method | None for ACH, fees for other methods |
| Withdrawal of Initial Fee | ✓ Refunded with first profit split | ✗ Activation fee not refunded |
Support and Community – How will you learn? |
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|---|---|---|
| Feature | OFP Funding | TopStep |
| Customer Support Hours | Email and Discord support during business hours | Phone, email, live chat during business hours |
| Educational Resources | Trading guides, webinars, blog content | Extensive library, daily coaching sessions, podcasts |
| Community Access | ✓ Discord community | ✓ Active trader community and forums |
| Live Trading Room | Limited | ✓ Daily live trading sessions with coaches |
| One-on-One Mentoring | ✗ Not included | ✓ Available through coaching programs |
| Performance Coaching | Basic resources | ✓ Dedicated performance coaches |
Conclusion and Final Recommendation |
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|---|---|---|
| Key Element | OFP Funding | TopStep |
| Strengths | • Lower one-time fees • No monthly platform fees after funding • Up to 90% profit split • Fee refund on first profit • Flexible evaluation options • Modern, trader-friendly approach |
• Industry pioneer with 10+ years experience • Extensive educational resources • Strong coaching and mentorship programs • 100% profit on first $5K • Well-established reputation • Comprehensive trader support |
| Weaknesses | • Newer company with less track record • Smaller trader community • Limited educational content compared to TopStep • Less structured coaching programs |
• Monthly subscription model more expensive over time • Activation fee not refundable • Ongoing monthly platform fees after funding • Longer path to profitability due to fees • Stricter position limits on some instruments |
| Best For | Cost-conscious traders who prefer one-time payments, experienced traders who don’t need extensive education, those seeking higher profit splits quickly, traders who want faster evaluation processes | New traders needing comprehensive education, those who value coaching and mentorship, traders wanting an established company with proven track record, those who prefer structured learning environments |
| Final Grade | 4.4/5 | 4.3/5 |
| Discount Codes | Coupon Code | Coupon Code |
| Review | Read full review | Read full review |
FAQ
What makes OFP Funding popular among users?
How does TopStep differ from other similar organizations?
Which prop firm is more cost-effective long-term?
Can I use automated trading strategies with both firms?
What happens if I fail the evaluation with each company?
How was this 2 companies Comparison Created?
1. We Collect
Our research team gathered comprehensive data from multiple authoritative sources to ensure accuracy and completeness. We examined official websites, pricing pages, terms of service, and program documentation from both OFP Funding and TopStep. Customer reviews were collected from Trustpilot, Reddit trading communities, and industry forums to understand real user experiences. We also reviewed promotional materials, educational content, and support documentation. Industry reports, trading community discussions, and comparison articles from reputable financial websites provided additional context. Direct communication with support teams helped clarify specific policies and features that weren’t clearly documented publicly.
2. We Examine
Our team of trading industry experts and experienced prop firm traders analyzed all collected information for accuracy, relevance, and current validity. We cross-referenced data points across multiple sources to verify claims and identify any discrepancies. Each feature, fee, and requirement was validated against official documentation and current user reports. We tested platform features where possible and consulted with funded traders from both firms to understand practical experiences. Special attention was paid to recent changes in policies, pricing, or terms that might affect traders. Our analysts evaluated the strengths and weaknesses of each firm based on objective criteria and real-world performance metrics.
3. We Score
Our scoring methodology evaluates multiple dimensions including cost-effectiveness, evaluation difficulty, platform quality, educational resources, payout reliability, customer support, and overall value proposition. Each category receives a weighted score based on importance to typical traders. We considered factors such as total cost to profitability, fee structures, profit split percentages, evaluation pass rates (when available), customer satisfaction ratings, payout speed and reliability, and platform capabilities. The final grades reflect a balanced assessment of each firm’s strengths and weaknesses, considering different trader profiles and needs. Scores are updated regularly as firms evolve their offerings and as new user feedback becomes available.
4. You Choose
This comparison provides the factual foundation for your decision, but the right choice depends on your individual circumstances, trading experience, and priorities. Consider your budget and preferred fee structure (one-time vs. subscription), your experience level and need for education, your trading style and preferred markets, your timeline to profitability, and your risk tolerance regarding evaluation difficulty. Use the detailed comparison tables to identify which firm aligns better with your specific needs. Remember that success with any prop firm ultimately depends on your trading skills, discipline, and risk management. We recommend reading full reviews of each firm, joining their communities to ask questions, and starting with the evaluation size and type that matches your current skill level.
