Topstep vs Funding Rock – Elite Prop Firms Comparison
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Topstep and Funding Rock occupy different ends of the prop firm spectrum: Topstep is a futures-only firm with over a decade of operating history and $1 billion in verified payouts, while Funding Rock is a newer forex and CFD firm founded in 2025, offering multi-asset evaluation-based accounts with competitive profit splits. If you are a futures trader, Topstep is the clear category choice. If you trade forex, indices, commodities, or crypto, Funding Rock is worth a closer look – provided you are comfortable with a firm that is still building its track record.
At a Glance
Quick Facts
| Feature | Topstep | Funding Rock |
|---|---|---|
| 
| |
| Founded | 2012 | 2025 |
| Profit Split | 90% trader share; first-$10,000 lifetime-profit exception for traders who joined the new dashboard before Jan 12, 2026 | 80-90% |
| Maximum Account Size | $150,000 | $1,000,000 |
| Evaluation Phases | 1 | 2 |
| Trustpilot Rating | 3.4 | Not available |
| Expert Grade | 9 | 7.9 |
Program Types
| Program | Topstep | Funding Rock |
|---|---|---|
| Entry Level Program | Yes | Yes |
| Advanced Program | Not available | Yes |
| Scaling Options | No | Yes |
| Demo Account | No | Yes |
Rules & Assessment
| Criteria | Topstep | Funding Rock |
|---|---|---|
| Profit Target | Trading Combine Parameters - 50,000: 3,000 Trading Combine Parameters - 100,000: 6,000 Trading Combine Parameters - 150,000: 9,000 | Not available |
| Maximum Drawdown | Trailing MLL: $2,000-$4,500 | Not available |
| Minimum Trading Days | Trading Combine can pass in as few as 2 days, subject to 55% consistency; funded payout paths have separate day requirements | Not available |
| News Trading | Yes | Yes |
| Daily Loss Limit | Trading Combine Parameters - 50,000: Optional (1,000) Trading Combine Parameters - 100,000: Optional (2,000) Trading Combine Parameters - 150,000: Optional (3,000) | Not available |
| Maximum Contracts | Trading Combine Parameters - 50,000: 5 (50 micros) Trading Combine Parameters - 100,000: 10 (100 micros) Trading Combine Parameters - 150,000: 15 (150 micros) | Not available |
Fees & Pricing
| Option | Topstep | Funding Rock |
|---|---|---|
| CFD $5K Account | Not listed in review pricing source | Instant Funding / USD 110 / One-time Official Instant Funding fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 Pay After You Pass / USD 5 / Entry fee Official entry fee is USD 5; activation fee is paid only after passing and varies by account size. Optional add-ons are excluded from the base entry price. Activation fee after passing: USD 60. Source Checked 2026-08-11 1 Step / USD 50 / One-time Official 1 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 2 Step / USD 40 / One-time Official 2 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 |
| CFD $10K Account | Not listed in review pricing source | Instant Funding / USD 180 / One-time Official Instant Funding fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 Pay After You Pass / USD 5 / Entry fee Official entry fee is USD 5; activation fee is paid only after passing and varies by account size. Optional add-ons are excluded from the base entry price. Activation fee after passing: USD 100. Source Checked 2026-08-11 1 Step / USD 80 / One-time Official 1 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 2 Step / USD 60 / One-time Official 2 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 |
| CFD $25K Account | Not listed in review pricing source | Instant Funding / USD 370 / One-time Official Instant Funding fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 Pay After You Pass / USD 5 / Entry fee Official entry fee is USD 5; activation fee is paid only after passing and varies by account size. Optional add-ons are excluded from the base entry price. Activation fee after passing: USD 180. Source Checked 2026-08-11 1 Step / USD 155 / One-time Official 1 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 2 Step / USD 120 / One-time Official 2 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 |
| CFD $50K Account | Not listed in review pricing source | Instant Funding / USD 640 / One-time Official Instant Funding fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 Pay After You Pass / USD 5 / Entry fee Official entry fee is USD 5; activation fee is paid only after passing and varies by account size. Optional add-ons are excluded from the base entry price. Activation fee after passing: USD 300. Source Checked 2026-08-11 1 Step / USD 270 / One-time Official 1 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 2 Step / USD 210 / One-time Official 2 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 |
| CFD $100K Account | Not listed in review pricing source | Instant Funding / USD 1000 / One-time Official Instant Funding fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 Pay After You Pass / USD 5 / Entry fee Official entry fee is USD 5; activation fee is paid only after passing and varies by account size. Optional add-ons are excluded from the base entry price. Activation fee after passing: USD 500. Source Checked 2026-08-11 1 Step / USD 450 / One-time Official 1 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 2 Step / USD 350 / One-time Official 2 Step fee. Optional 95% reward-share add-on and weekend-holding add-on are excluded from the base price. Source Checked 2026-08-11 |
| Futures $50K Account | Trading Combine / USD 49 / Monthly Standard Trading Combine monthly price. Source Checked 2026-08-10 | Not listed in review pricing source |
| Futures $100K Account | Trading Combine / USD 99 / Monthly Standard Trading Combine monthly price; tier was marked temporarily on hold when verified. Source Checked 2026-08-10 | Not listed in review pricing source |
| Futures $150K Account | Trading Combine / USD 199 / Monthly Standard Trading Combine monthly price. Source Checked 2026-09-27 | Not listed in review pricing source |
| Refund Policy | Not available | Not available |
| Coupons / Discount | Topstep discount | Funding Rock discount |
Platforms & Markets
| Feature | Topstep | Funding Rock |
|---|---|---|
| Trading Platforms | TopstepX; Quantower connectivity for Trading Combine and Express Funded accounts | TradeLocker, cTrader |
| Forex | Currency futures, not spot Forex | Yes |
| Stocks | No | No |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | No | Yes |
| Bonds | Yes | No |
| EA/Algo Trading | Yes | Yes |
Payout
| Feature | Topstep | Funding Rock |
|---|---|---|
| Payout Terms | $125 minimum; eligibility by funded-account path, not a bi-weekly schedule. XFA Standard: 5 winning days of $150+; XFA Consistency: 3 trading days and 40% consistency. Balance limits, account caps and method availability apply. | First after 14 days; bi-weekly thereafter; via Wise (1-3 business days) |
| See all prop firm payouts → | ||
Verdict
| Key Element | Topstep | Funding Rock |
|---|---|---|
| Strengths | Trading Combine has no maximum completion deadline while the subscription remains active; automated strategies permitted subject to rules; 90% current trader share; Standard or Consistency Express payout paths. Daily-loss-limit arrangements vary. | Generous profit splits, quick evaluation, flexible rules, scaling opportunities, transparent terms |
| Weaknesses | Recurring Combine subscription; $149 XFA activation on Standard pricing path; futures-only; end-of-day trailing MLL can be breached intraday on unrealised losses | Express payouts require add-on, newer firm with limited track record, limited rule detail |
| Best For | Serious futures traders seeking established firm with forgiving evaluation | Both new and experienced traders seeking professional funding |
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Which Firm Is Right for You?
Choose Topstep if: You trade futures and want the firm that invented the prop evaluation model. Topstep has 13+ years of verified track record, $1 billion in payouts, no daily drawdown cap, and full EA and news trading flexibility. For serious futures traders, there is no clearer choice.
Choose Funding Rock if: You trade forex, indices, commodities, or crypto and are looking for a newer firm with competitive structures. The $5K entry point, “Pay After You Pass” option, 90% profit split ceiling, and 20% quarterly scaling are genuine strengths. The 30% discount code (JOINPROP) lowers the entry cost further. However, as a firm founded in 2025, Funding Rock has a shorter track record – research current trader feedback before committing.
Important note on news trading: Funding Rock’s published rules contain a direct contradiction on news trading – one section prohibits it, the FAQ permits it. Verify the current policy with Funding Rock support before basing a strategy on either assumption.
See full Topstep review | See full Funding Rock review
Conclusion and Final Recommendation
Choose Topstep if you want a shorter evaluation at 1 phase, a cheaper entry, from USD 49 and coverage of bonds that the other does not offer. Choose Funding Rock if a larger funded ceiling at $1M, a demo account to test the platform first and coverage of cryptocurrencies 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 Topstep’s programs?
Topstep distinguishes Express Funded Account Standard and Consistency paths, followed by a separate Live Funded Account stage. Topstep official rules.
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.
How do payouts differ between Topstep and Funding Rock?
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.
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.
Which account rules matter when comparing Topstep and Funding Rock?
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.
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.
Is Topstep or Funding Rock automatically the better choice?
No, neither is the default pick. Topstep has the shorter evaluation at 1 phase and the cheaper entry at USD 49, and Funding Rock has the larger funded ceiling at $1M and market access the other lacks, namely cryptocurrencies. 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 Topstep and Funding Rock
Both firms carry a JoinProp Rating out of 10, scored on the same nine weighted factors, led by payout reliability at 20%, then fee structure, drawdown rules and profit split at 15% each. The scores come from our own firm reviews, built from each firm’s current terms rather than its marketing pages and re-checked at least every 90 days. Affiliate relationships have no effect on any rating, and ratings are never sold. The tables above are the evidence behind those scores. Read our full ranking methodology.
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