Head-to-Head Comparison

TopStep vs Fintokei

An honest, data-driven comparison to help you pick the right prop firm. We compare drawdown rules, challenge costs, profit splits, trading conditions, and more — no bias, just facts.

TopStep

4.5

One of the original futures prop firms with a proven track record. Offers a structured Trading Combine evaluation and path to live funded trading with real capital.

Visit TopStep

Fintokei

4.1

Japanese-backed prop firm offering structured evaluation programs with reliable payouts and professional trading conditions.

Visit Fintokei

Side-by-Side Comparison: TopStep vs Fintokei

Metric

TopStep

Fintokei

Max Drawdown

10%

Daily Drawdown

Profit Target

Profit Split

90/10

80/20

Challenge Cost

$49 - $149/mo

$99 - $999

Trading Period

Unlimited

Min Trading Days

Leverage

Full contract leverage

1:100

Instruments

Futures (CME, CBOT, NYMEX, COMEX)

Forex, Indices, Commodities, Crypto

Account Sizes

$50K, $100K, $150K

$10K, $25K, $50K, $100K, $200K

Scaling

Path from Express Funded to Live Funded account with real capital

Progressive capital scaling available

News Trading

Allowed

Weekend Holding

Not Allowed

Allowed

EA / Bots

Not Allowed

Allowed

Rating

4.5/5

4.1/5

The Verdict: TopStep vs Fintokei

The best choice depends on your trading style, risk tolerance, and goals. Here's our breakdown by trader profile:

Best for Beginners

Fintokei

Fintokei offers more forgiving drawdown rules, making it easier for newer traders to get started.

Best for Aggressive Traders

Fintokei

Fintokei provides 10% max drawdown allowance, giving aggressive trading styles more breathing room.

Best for Long-term Scaling

Fintokei

Fintokei offers better scaling potential: Progressive capital scaling available.

Best for Overall Value

TopStep

TopStep earns 4.5/5 in our analysis, with a strong balance of rules, cost, and trader experience.

TopStep Pros & Cons

Established since 2012 with proven track record

Path to real live funded account

Low monthly subscription cost

EOD trailing drawdown (not intraday)

Weekly payouts available

Futures only (no forex)

50% consistency target required

Daily loss limit on some platforms

Intraday trailing drawdown on PRO accounts

No automated trading bots

Fintokei Pros & Cons

Japanese backing adds credibility

Professional trading conditions

Reliable payout history

Multiple instrument categories

No time limits

Lower max profit split at 80%

Higher evaluation fees

Less well-known globally

Limited promotional offers

Customer support in Asian hours

Frequently Asked Questions

Which is better, TopStep or Fintokei?

It depends on your trading style. TopStep offers 4% max drawdown and a 90/10 profit split, while Fintokei offers 10% max drawdown and a 80/20 split. TopStep has a higher overall rating at 4.5/5.

What is the cheapest option between TopStep and Fintokei?

TopStep challenges start at $49 - $149/mo, while Fintokei starts at $99 - $999. Compare account sizes and what's included before choosing based on price alone.

Can I use EAs or trading bots with TopStep and Fintokei?

TopStep does not allow EAs/bots. Fintokei allows them. Always verify the latest rules on each firm's website.

What are the drawdown rules for TopStep vs Fintokei?

TopStep has a 4% max drawdown and 2% daily drawdown. Fintokei has a 10% max drawdown and 5% daily drawdown. Use our free Drawdown Calculator to find your safe lot size for either firm.

How long do I have to pass the TopStep vs Fintokei challenge?

TopStep gives you Unlimited. Fintokei gives you Unlimited. Both require a minimum of 5 and 5 trading days respectively.

Which firm has a better profit split, TopStep or Fintokei?

TopStep offers a 90/10 profit split, while Fintokei offers 80/20. Higher profit splits mean more of your trading profits go to you.