Which has a higher profit split — TX3 Funding or Topstep?

TX3 Funding pays 90%; Topstep pays 90% of trader profits once funded. Both firms offer the same profit share.

Is TX3 Funding cheaper to start than Topstep?

TX3 Funding: offers instant funding (no evaluation). Topstep: evaluation from $49–$149/month (Trading Combine).

Which pays out faster — TX3 Funding or Topstep?

TX3 Funding payouts: Varies by program. FX: every 3 days (1 Phase), every 14 days (2 Phase Flex, Instant Standard), every 10 days (Instant Pro), on demand (2 Phase Pro). Futures: no fixed schedule; you request a payout once the program's payout rules are met.. Topstep payouts: Weekly (after 5 profitable days). First-payout eligibility: TX3 Funding — Varies by program. FX: 3 days after the first funded trade (1 Phase); at the first 14-day window (2 Phase Flex); on demand once 2% profit and consistency are met (2 Phase Pro); after 7 trading days (Instant Standard) or 10 (Instant Pro). Futures: after 3 winning days of $250+ (TX3 Core) or 5 (TX3 Prestige); TX3 Instant once the profit goal is reached.; Topstep — 5 winning days, $0 trailing drawdown breach.

What's the maximum allocation at TX3 Funding vs Topstep?

TX3 Funding scales up to $400,000. Topstep scales up to $150,000.

Can I trade news at TX3 Funding or Topstep?

TX3 Funding: permits news trading. Topstep: permits news trading.

Can I hold positions overnight at TX3 Funding or Topstep?

TX3 Funding: allows overnight holds. Topstep: does not allow overnight holds.

Head-to-head

TX3 Funding vs Topstep

TX3 Funding vs Topstep covers the two firms side by side on the facts recorded in their profiles, profiled by proprietarytrading.com.

Profit splits, evaluation fees, payout cadence, supported assets, and trading rules for TX3 Funding and Topstep. Data pulled live from our firm listings.

Quick verdict

TX3 Funding is best for

traders who want to skip the evaluation; scaling toward larger allocations (up to $400,000); swing traders holding overnight.

Full TX3 Funding profile →

Quick verdict

Topstep is best for

traders who prefer Evaluation and a Chicago, USA-based firm.

Full Topstep profile →

Watch flags · risk only

Public risk notes we've recorded on the firm record. Not a judgement of fit — just things to verify before committing capital.

Topstep
recent trader complaints regarding platform stability, lack of phone support

Cost to first payout

What it actually costs to reach payout — a normalized estimate built from each firm's lowest published evaluation cost, monthly fees, and first-payout window. Estimates, not guarantees. Each card shows the assumptions used.

TX3 Funding is roughly $48 cheaper to reach a first payout than Topstep, based on published fees alone.

TX3 Funding

estimate

Approx. total

$50

to reach first payout eligibility

Approx. time

7days

from sign-up to first eligible request

Start cost: $50
Monthly fee: None

How we estimated this

Instant-funding path: lowest published activation cost.
Firm advertises no monthly fee.
Source — eval fee: $50–$1,099 one-time, covering FX and futures (FX $50–$1,099; futures $162–$739). Promotional prices as of 8 Oct 2026.; monthly: No monthly fee; first payout: Varies by program. FX: 3 days after the first funded trade (1 Phase); at the first 14-day window (2 Phase Flex); on demand once 2% profit and consistency are met (2 Phase Pro); after 7 trading days (Instant Standard) or 10 (Instant Pro). Futures: after 3 winning days of $250+ (TX3 Core) or 5 (TX3 Prestige); TX3 Instant once the profit goal is reached..

Topstep

estimate

Approx. total

$98

to reach first payout eligibility

Approx. time

15days

from sign-up to first eligible request

Start cost: $49
Monthly fee: $49/mo

How we estimated this

Evaluation path: lowest published one-time evaluation fee.
Adds ~10 calendar days for evaluation completion (most firms require ≥5 minimum trading days).
Monthly fee ($49) × 1 month added to startup cost.
Source — eval fee: $49–$149/month (Trading Combine); monthly: Combine $49–$149; Funded $135/mo flat after first payout; first payout: 5 winning days, $0 trailing drawdown breach.

Trade-offs

Where each firm is weaker

No firm wins on every axis. These are the most meaningful drawbacks of each option — derived from the same structured fields shown in the table, never invented.

TX3 Funding trade-offs

No structural disadvantages versus the other firm based on the fields we track.

Topstep trade-offs

Slower to funded
Requires passing an evaluation before payouts. TX3 Funding offers instant funding as an alternative path.
Lower scaling ceiling
Scales to $150,000 vs $400,000 at TX3 Funding — caps long-term capital growth.
No overnight holds
Closes positions intraday. TX3 Funding allows overnight holds.

Decision guide

Best for your trader type

Highest profit share
Tie
Both pay 90%.
Fastest to funded
TX3 Funding
Offers instant funding.
Biggest scaling ceiling
TX3 Funding
Up to $400,000.
Swing & overnight
TX3 Funding
Permits holding positions overnight.

Attribute	TX3 Funding Instant Funding + Evaluation · est. 2021	Topstep Evaluation · est. 2012
Cost
Evaluation fee	$50–$1,099 one-time, covering FX and futures (FX $50–$1,099; futures $162–$739). Promotional prices as of 8 Oct 2026.	$49–$149/month (Trading Combine)
Monthly fee	No monthly fee	Combine $49–$149; Funded $135/mo flat after first payout
Evaluation required	Yes	Yes
Instant funding	Yes	No
Capital
Profit split	90%	90%
Max allocation	$400,000	$150,000
Account sizes	FX: $7.5K, $10K, $25K, $50K, $100K, $200K. Futures: $25K (TX3 Instant only), $50K, $100K, $150K.	$50K, $100K, $150K
Scaling	Pro challenge funded accounts only: +25% of starting balance and +5% profit share (cap 95%) per review. Reviews at payouts or on request every 3 months; needs payouts of at least 10% of initial balance in the last 3 months and 2 of the last 3 months profitable. Up to $2M total funding across accounts.	Scale via larger Combine accounts; no automatic in-account scaling. Up to 5 funded accounts.
Payouts
Frequency	Varies by program. FX: every 3 days (1 Phase), every 14 days (2 Phase Flex, Instant Standard), every 10 days (Instant Pro), on demand (2 Phase Pro). Futures: no fixed schedule; you request a payout once the program's payout rules are met.	Weekly (after 5 profitable days)
First payout	Varies by program. FX: 3 days after the first funded trade (1 Phase); at the first 14-day window (2 Phase Flex); on demand once 2% profit and consistency are met (2 Phase Pro); after 7 trading days (Instant Standard) or 10 (Instant Pro). Futures: after 3 winning days of $250+ (TX3 Core) or 5 (TX3 Prestige); TX3 Instant once the profit goal is reached.	5 winning days, $0 trailing drawdown breach
Assets
Futures	Yes	Yes
Stocks	Yes	No
Options	No	No
Forex	Yes	No
Crypto	Yes	No
Trading rules
News trading	Yes	Yes
Overnight holding	Yes	No
Weekend holding	Yes	No
Copy trading	No	No
Technology
Platforms	Match-Trader, Tradovate, NinjaTrader, TradingView	NinjaTrader, Quantower, Sterling, TradeStation, TradingView, Tradovate, TSTrader
Data feed	TX3 Markets (FX); CQG (futures)	CME Group (real-time included)
Company
Headquarters	Dubai, UAE	Chicago, USA

About TX3 Funding

Evaluation prop firm (formerly Top Tier Trader) with 1-step, 2-step and instant funding programs.

Full TX3 Funding profile →

About Topstep

Futures-focused funded trader program with a combine evaluation.

Full Topstep profile →

Trust & stability

Reputation and rule-change activity

Two added decision signals: a weighted reputation score from independent review sources, and a 90-day view of structural rule-change activity where monitored sources are available.

TX3 Funding

Reputation

—canonical score

Not enough independent rating sources to compute a canonical score yet.

Rule Stability

last 90d

—monitoring status

Last change: —
Type: —
Sources monitored: —
Status: No changes detected in monitored sources

Weekly diff of the firm's published rule pages (terms, rules, FAQ, legal). "No changes detected" only means none of the monitored monitored sources changed — other surfaces (Discord, email, dashboards) are not covered. "Limited" or "unavailable" means our monitor cannot reach enough sources to make an honest call.

Topstep

Reputation

—canonical score

Not enough independent rating sources to compute a canonical score yet.

Rule Stability

last 90d

—monitoring status

Last change: —
Type: —
Sources monitored: —
Status: No changes detected in monitored sources

Frequently asked

Common questions

Which has a higher profit split — TX3 Funding or Topstep?: TX3 Funding pays 90%; Topstep pays 90% of trader profits once funded. Both firms offer the same profit share.
Is TX3 Funding cheaper to start than Topstep?: TX3 Funding: offers instant funding (no evaluation). Topstep: evaluation from $49–$149/month (Trading Combine).
Which pays out faster — TX3 Funding or Topstep?: TX3 Funding payouts: Varies by program. FX: every 3 days (1 Phase), every 14 days (2 Phase Flex, Instant Standard), every 10 days (Instant Pro), on demand (2 Phase Pro). Futures: no fixed schedule; you request a payout once the program's payout rules are met.. Topstep payouts: Weekly (after 5 profitable days). First-payout eligibility: TX3 Funding — Varies by program. FX: 3 days after the first funded trade (1 Phase); at the first 14-day window (2 Phase Flex); on demand once 2% profit and consistency are met (2 Phase Pro); after 7 trading days (Instant Standard) or 10 (Instant Pro). Futures: after 3 winning days of $250+ (TX3 Core) or 5 (TX3 Prestige); TX3 Instant once the profit goal is reached.; Topstep — 5 winning days, $0 trailing drawdown breach.
What's the maximum allocation at TX3 Funding vs Topstep?: TX3 Funding scales up to $400,000. Topstep scales up to $150,000.
Can I trade news at TX3 Funding or Topstep?: TX3 Funding: permits news trading. Topstep: permits news trading.
Can I hold positions overnight at TX3 Funding or Topstep?: TX3 Funding: allows overnight holds. Topstep: does not allow overnight holds.

Still deciding?

Get a personalized firm match

Answer a few questions about your trading style, account size, and goals. In about 1 minute, we'll rank TX3 Funding, Topstep, and every other firm in our database by fit.

Find my firm match →

← All head-to-head comparisons Compare different firms TX3 Funding profile →Topstep profile →

Disclosure

Some links may earn us a commission at no extra cost to you. These relationships never influence ratings, rankings, Match results, verification status, or listing inclusion. How we earn.