Topstep vs TradeDay
TradeDay
Computed verdict
TradeDay costs less per unit of risk: $29.5 vs $47.5 per $1,000 of drawdown. On the overall score, TradeDay comes out ahead (90 vs 87).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
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.
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.
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.
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.
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.
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.
50K: $3,000 profit target, no minimum days (can pass in 2), with a consistency rule (best day < 50% of target). Single phase.
50K: $3,000 target, $2,000 drawdown, 5-day minimum. Fast Pass: TradeDay's pricing cards say a 3-day minimum; its how-it-works page and rules FAQ say there is none. Plan on 3.
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.
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 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.
50K Quick Pay (intraday): monthly subscription ~$125/month (sometimes 50% off), no activation. $60 reset.