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Topstep vs Fintokei: Full Comparison

A side-by-side comparison of Topstep and Fintokei built from our normalised 31-firm dataset. Every figure was read off the firms’ own pages, and each row carries its source and check date. Where we could not verify something we mark it “not verified” rather than leaving it blank.

Key findings

  • Fintokei comes out ahead on Lowest entry fee ($44 vs $49).
  • Topstep comes out ahead on Profit target (6% vs 8%).
  • Topstep comes out ahead on Min trading days (0 days vs 3 days).
  • Topstep comes out ahead on Payout cycle (5 days vs 14 days).
  • Fintokei comes out ahead on Payout processing time (1 days vs 3 days).
  • Fintokei holds the higher Trustpilot rating (4.3 (1,296) vs 3.6 (14,632)).

Terms compared

Item Topstep Fintokei
Evaluation model 1-step Multiple models
Lowest entry fee $49 $44 Better
Max profit split 100% 100%
Profit target 6% Better 8%
Daily loss limit The two firms calculate drawdown differently, so the percentages are not directly comparable. 2% 5%
Max drawdown The two firms calculate drawdown differently, so the percentages are not directly comparable. 4% 10%
Drawdown type End-of-day trailing Mixed
Min trading days 0 days Better 3 days
Payout cycle 5 days Better 14 days
Payout processing time 3 days 1 days Better
Max leverage Not verified 1:100
Account sizes $50,000 / $100,000 / $150,000 $5,000 / $10,000 / $20,000 / $50,000 / $100,000 / $200,000 / $400,000
Asset classes futures forex, indices, crypto, commodities
Trustpilot 3.6 (14,632) 4.3 (1,296) Better
Third-party payout verification Self-reported only Self-reported only
Recorded rule changes 2 2

Topstep: Read the review Fintokei: Read the review

How the drawdown works

Topstep uses a end-of-day trailing drawdown while Fintokei uses a mixed one. This is one of the most common reasons an account fails: with a trailing drawdown the limit rises with your open profit, so the same headline percentage leaves less real room.

Third-party payout verification

Topstep

$1.4B+ — Self-reported only

The largest claim in the set and the least checkable rail: payouts settle by ACH, wire/SWIFT, Wise or prop-to-brokerage transfer, none of which leave a public record, and Topstep does not appear among the firms Payout Junction tracks. It is nonetheless the only firm here that publishes a dated participant-level payout statistic: "From January through December 2025 … (c) 33.3% of all individual participants at the Funded Level received a payout". A cumulative total with no denominator says nothing about a reader’s odds; that disclosure does.

Topstep — homepage ("$1.4B+ Paid out to prop firm traders") and 2025 Trader Performance Statistics · 2026-08-05

Fintokei

€29M+ (2026-04-28) — Self-reported only

Finance Magnates, which carried the figure, stated plainly that the approval rate "has not been independently verified". Fintokei’s own /payouts page is built to display "Cumulative payouts 2025" and "Average payout approval speed", but renders $0 and 0 sec. on the check date, so the site itself substantiates neither. The homepage does publish an average payout of $3,881, a highest payout of $129,032 and an average payout time of 3h 4m. Payouts run by bank transfer, including JPY to Japanese accounts, with a crypto option; nothing settles on a rail a third party can read, and Fintokei is not among the firms Payout Junction tracks.

Finance Magnates — Fintokei declares sub-second trader payouts as prop firm competition intensifies (28 April 2026) · 2026-08-05

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Recorded rule changes

Topstep

  • Observed 2026-08-22 Before: Third-party platforms NinjaTrader, Tradovate and TradingView were offered as the trading platform lineup. → After: TopstepX, Topstep's in-house browser platform, is the standard for all accounts; the one external option is a Quantower connection via TopstepX credentials (Trading Combine and Express Funded Account only). Topstep Help Center — TopstepX™
  • Effective 2026-01-12 Before: 100% of the first $10,000 in lifetime profits, then a 90/10 split. → After: 90/10 split from the first dollar. Topstep Help Center — Topstep Payout Policy

Fintokei

  • Effective 2026-06-03 Before: The original scaling program was, per the EN FAQ, fully retired on 2026-01-21; the successor contract-fee return inside the Loyalty Program ran only to 2026-06-30, leaving the fee-return footnotes on plan pages unsupported. → After: A relaunched Japan-market スケーリング道場 rank system (白帯→黒帯, up to +300% funding, judged by trading days + payout-request count) started 2026-06-03 per the JA FAQ (updated 2026-06-19). Accounts purchased on or after 2026-06-11 regain a contract-fee-return right upon reaching 白帯 (20 trading days + 2 payout requests); purchases up to 2026-06-10 fell under a transition that required a first payout request by 2026-06-30. Fintokei FAQ (JA) — Fintokeiスケーリング道場とは？ (updated 2026-06-19)
  • Effective 2026-01-21 Before: The スケーリング道場 scaling program, with the initial-fee return attached to it. → After: The scaling program was "fully retired" and replaced by the Capital Scaling Boost inside the Loyalty Program. The Loyalty Program contract-fee return ran only to 2026-06-30. Fintokei FAQ — What is Scaling? ("fully retired" as of 21 January 2026)

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Which one fits you

What the data says, priority by priority. The decision is yours; we do not give investment advice.

  • Fintokei comes out ahead on Lowest entry fee ($44 vs $49).
  • Topstep comes out ahead on Profit target (6% vs 8%).
  • Topstep comes out ahead on Min trading days (0 days vs 3 days).
  • Topstep comes out ahead on Payout cycle (5 days vs 14 days).
  • Fintokei comes out ahead on Payout processing time (1 days vs 3 days).
  • Fintokei holds the higher Trustpilot rating (4.3 (1,296) vs 3.6 (14,632)).

Check current terms on the official sites

Fintokei 公式サイトを見る

クーポンコード「FINTO5KEI」で5%OFF

FAQ

Which is cheaper to start, Topstep or Fintokei?
Topstep is $49 and Fintokei is $44, so Fintokei is the better of the two on Lowest entry fee. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
Which one pays the higher profit split?
Topstep is 100% and Fintokei is 100%.
Which one has the shorter payout cycle?
Topstep is 5 days and Fintokei is 14 days, so Topstep is the better of the two on Payout cycle. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
Do they calculate drawdown the same way?
Topstep uses a end-of-day trailing drawdown while Fintokei uses a mixed one. This is one of the most common reasons an account fails: with a trailing drawdown the limit rises with your open profit, so the same headline percentage leaves less real room.
What do their Trustpilot ratings look like?
Topstep: 3.6 (14,632). Fintokei: 4.3 (1,296). Profiles were checked on 2026-07-31. Where Trustpilot has withheld a rating for a guideline breach we publish no score.

Sources

Data currency

Terms data 2026-06-22 / payout verification 2026-08-05 / rule changes 2026-08-22. Prop firm terms change without notice — always confirm on the official site before you buy.

This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.

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