FuturesPro is reader-supported and may earn a commission from some links, at no cost to you. This never affects our rankings. Learn more.
Our Topstep vs Tradeify guide compares the two firms at 50K. This one looks at the larger accounts, 100K and 150K, where the gap in pricing, drawdown and payout caps gets wider. All figures were checked on each firm's help center on November 3, 2026, before promo codes.
Quick verdict
- Tradeify is likely the better fit if you want a fixed one-time cost, a slightly larger drawdown at each size, your own platform and no news restrictions.
- Topstep is likely the better fit if you expect to pass within a month, want higher contract limits and like the option of a soft daily loss limit.
100K accounts
| Tradeify Growth 100K | Topstep 100K Combine | |
|---|---|---|
| Price | $255 one-time | $99/month (Standard) or $149/month (No Activation Fee) |
| Activation fee | $0 | $149 (Standard) or $0 |
| Reset | $169 | $99 or $149 (same as monthly price) |
| Profit target | $6,000 | See Topstep |
| Max drawdown | $3,500 EOD trailing | $3,000 EOD trailing |
| Daily loss limit | $2,500 soft (pauses trading) | Optional $2,000 (pauses trading) |
| Max contracts | 8 (80 micros) | 10 (100 micros) |
| Consistency | None | Best day under 55% of target |
150K accounts
| Tradeify Growth 150K | Topstep 150K Combine | |
|---|---|---|
| Price | $369 one-time | $199/month (Standard) or $229/month (No Activation Fee) |
| Activation fee | $0 | $149 (Standard) or $0 |
| Reset | $229 | $199 or $229 |
| Profit target | $9,000 | See Topstep |
| Max drawdown | $5,000 EOD trailing | $4,500 EOD trailing |
| Daily loss limit | $3,750 soft | Optional $3,000 |
| Max contracts | 12 (120 micros) | 15 (150 micros) |
| Consistency | None | Best day under 55% of target |
Tradeify gives you $500 more drawdown at each size. Topstep lets you trade more contracts. Which matters more depends on your style: a trader who uses wide stops benefits from the extra drawdown, while one who scales into several positions may value the higher limit.
Cost by time to pass
| Plan | Pass in 1 month | Pass in 3 months |
|---|---|---|
| Tradeify Growth 100K | $255 | $255 |
| Topstep 100K Standard | $248 | $446 |
| Topstep 100K No Activation Fee | $149 | $447 |
| Tradeify Growth 150K | $369 | $369 |
| Topstep 150K Standard | $348 | $746 |
| Topstep 150K No Activation Fee | $229 | $687 |
Resets are not included. At both sizes, Topstep's No Activation Fee path is cheapest if you pass in month one, and Tradeify is cheaper from month two onward.
Tradeify's other plans
Tradeify also sells Select evaluations ($265 for 100K, $369 for 150K). Select has no daily loss limit but a 40% consistency rule in the evaluation, and leads to either a Select Flex or a Select Daily funded account. Lightning accounts skip the evaluation entirely for $660 (100K) or $796 (150K), with no resets. Topstep keeps one Combine with two payment paths, so there's less to compare.
Funded payouts
| Account | When you can request | Cap per payout (100K / 150K) | Minimum |
|---|---|---|---|
| Topstep XFA Standard | After 5 winning days of $150+ | $3,000 / $5,000 | $125 |
| Topstep XFA Consistency | After 3 trading days, largest day up to 40% of profit | $4,000 / $6,000 | $125 |
| Tradeify Select Flex | After 5 winning days of $200 / $250+ | $3,500 / $4,500* | $250 |
| Tradeify Select Daily | Daily, above a $2,600 / $3,600 buffer | $1,750 / $2,500* | $250 |
*For accounts bought after September 1, 2026. Both firms cap each request at 50% of profit or balance on their five-day plans, and both pay a 90/10 split. Topstep traders who joined before January 12, 2026 keep 100% of their first $10,000. For speed comparisons across firms, see the fastest-paying prop firms.
News and platforms
Tradeify's help center says it has no rules against trading news. Topstep restricts new opening trades in equity index and metals futures for a 10-minute window around CPI, the jobs report, PPI and Federal Reserve announcements, with micro-contract caps that vary by account. On platforms, new Topstep accounts use TopstepX only, while Tradeify supports Tradovate, NinjaTrader, TradingView, several Rithmic platforms and WealthCharts.
Sizing a large account
A 150K label doesn't mean $150,000 of risk. Your real budget is the drawdown: $5,000 at Tradeify or $4,500 at Topstep. A 10-point stop on three ES contracts is $1,500, a third of Topstep's limit on one trade. The same stop on three MES is $150. Size from the drawdown using the position size calculator and read How Prop Firm Evaluations Work.
Bottom line
If you're confident of a fast pass and want to trade more contracts, Topstep's No Activation Fee path is the cheaper start. If you'd rather pay once, keep your own platform and have a little more drawdown, Tradeify Growth fits better. Read the full Tradeify review and Topstep review before buying.
Frequently asked questions
Which has the bigger drawdown at 100K?
Tradeify Growth 100K has $3,500 versus Topstep's $3,000. Both are end-of-day trailing and enforced in real time.
Which allows more contracts?
Topstep: 10 contracts on 100K and 15 on 150K, versus Tradeify Growth's 8 and 12.
Is Tradeify cheaper than Topstep at 150K?
Yes if you take more than one month. Tradeify Growth 150K is $369 one-time; Topstep's 150K costs $229 to $348 in month one and more each month after.
Do both firms have daily loss limits?
Tradeify Growth has a soft limit that pauses trading for the day. Topstep's is optional and also pauses trading rather than failing the account.
Can I trade news at either firm?
Tradeify says it has no news rules. Topstep restricts new opening trades in index and metals futures around top-tier releases.
Prop firm evaluations are paid simulated programs and most participants do not pass. Confirm current terms on each firm's site before buying.
Compare futures prop firms side by side
Prices, drawdown rules and payouts, verified from official sources.
Futures trading involves substantial risk of loss and is not suitable for every investor. This article is for education only and is not investment advice.