Topstep vs Tradeify
Computed verdict
Topstep costs less per unit of risk: $47.5 vs $72.5 per $1,000 of drawdown. On the overall score, Topstep comes out ahead (87 vs 58).
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.
All plans use an end-of-day trailing drawdown ($1,000 to $5,250 by plan and size) that updates end-of-day but is enforced in real time. On Sim Funded accounts it locks into a fixed floor $100 above start once you profit past the drawdown amount; evaluation accounts do NOT lock.
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.
Soft daily limit that pauses the session without failing the account. On Growth and Lightning it starts at $600 on the 25K, $1,250 on the 50K and $2,500 on the 100K; Select Daily funded accounts run lower, at $500, $1,000, $1,250 and $1,750 by size, and Select Flex and Select evaluations carry no daily limit at all. At 6% profit the limit is raised on current accounts; it is fully removed only on legacy pre-Sep-2025 accounts. Tradeify's own pages disagree on the 150K: the Growth evaluation article says “$3,750” and the Daily Loss Limit article says “$3,000”. Accounts bought before 2026-03-31 keep $3,750, so both figures can be true at once for different accounts — the Growth article does not say so. Our planning assumption, not Tradeify's statement: size a 150K to $3,000 unless you bought before that date.
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 only blocks payouts, never the account: 35% on funded Growth, 40% in the Select evaluation only, and a progressive 20/25/30% by payout number on Lightning.
50K: $3,000 profit target, no minimum days (can pass in 2), with a consistency rule (best day < 50% of target). Single phase.
50K Growth: $3,000 target, 1-day minimum, no consistency rule in the evaluation.
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.
A 90/10 split across plans, with payouts every 5 winning days on Growth and Select Flex, daily on Select Daily, and instant on Lightning, always subject to per-payout caps. On Select the cap depends on when you bought: accounts purchased from 1 September 2026 have lower caps on Flex (down to $4,500 on the $150,000, previously $5,000) and higher ones on Daily (up to $1,750 on the $100,000, previously $1,500). Minimum $250.
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.