Comparator · true cost
What you pay per $1,000 of drawdown — so a 50K and a 150K plan compare directly, whatever the size. Each card uses the firm's current best-value plan (its size is shown). Sorted cheapest first.
TradeDay
Trailing drawdown of $2,000 (50K) / $3,000 (100K) / $4,500 (150K), freezing at the starting balance, breached intraday. The intraday-vs-end-of-day method is chosen per account at purchase — Quick Pay is available as either, Fast Pass is EOD-only.
No daily loss limit was found anywhere on the firm's pages — the only loss mechanism is the trailing drawdown — but the absence is not explicitly confirmed.
Consistency applies only in the evaluation: no day may exceed 30% (Quick Pay) or 45% (Fast Pass) of total profits to pass; no funded-stage rule was found.
On-demand payouts processed within 24 business hours, from day one on Quick Pay (minimum $250), at a 50/50 split below $4,000 net profit, 80/20 above it, and 90/10 on Funded Live.
50K Quick Pay (intraday): monthly subscription ~$125/month (sometimes 50% off), no activation. $60 reset.
Topstep
The Maximum Loss Limit trails end-of-day ($2,000–$4,500 by size), is monitored in real time including unrealized P&L, and locks once it reaches your starting balance; in the XFA every payout re-arms the floor at $0.
Soft daily limit of $1,000–$3,000 by size, optional in the Combine and XFA (automatic only in the Live account), which pauses the session without disqualifying the account.
In the Combine your best day can't exceed 55% of the profit target (exceeding it raises the target); on the XFA Consistency path no day may exceed 40% of total profit to be payout-eligible.
Payouts from $125 after 5 winning days of $150+ Net P&L (or 3 days on the 40% Consistency path). The split is a dated cutoff, not a conflict: accounts opened before Jan 12, 2026 keep 100% of the first $10,000 in lifetime profits then 90/10; accounts opened on or after that date are a flat 90/10.
50K Combine: $49/month (Standard, plus a one-time $149 activation when funded) or $95/month (No Activation). Reset costs the same as the monthly sub. Frequent first-month promos.
Take Profit Trader
Trailing drawdown of $1,500–$4,500 by size — EOD in the Test (with the breach checked in real time) and intraday in PRO — locking exactly at the starting balance, without the +$100 extra other firms add.
There is no daily loss limit in the Test or PRO (removed January 2025); only PRO+ Development remediation accounts carry a soft $500–$2,000 limit.
Only the Test has a consistency rule: no single day may exceed 50% of total net profits. The rule is soft — exceeding it raises your profit goal rather than failing you. How far it raises it is contested within TPT's own rule: the formula implies twice your best day ($4,000 after a $2,000 day), while TPT's worked example sets it at twice current net P/L ($6,200 on $3,100), and TPT does not say which its dashboard enforces — plan on the higher figure. The PRO and PRO+ rules articles list no consistency rule.
Withdrawals from day one in PRO at an 80/20 split once you clear a buffer equal to the max drawdown, and PRO+ pays daily at 90/10 with no buffer.
50K Test: $150/month subscription, no activation. Test resets are risk-adjusted by size since May 2026 ($79–$199; 50K $99), though one TPT landing still shows the old flat $100. Frequent promos (e.g. NOFEE40).