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⚔ Head-to-Head Updated 2026-05-16 · Both firms reviewed by Paul

Topstep vs Brightfunded (2026)

Side-by-side: drawdown, payouts, pricing, platforms. Topstep uses Intraday trailing, Brightfunded uses EOD-trailing + lock — these are different beasts.

Quick verdict
Entry price
Tie
Drawdown protection
Brightfunded
Paul-tested
Neither
Profit split
Toss-up
Plans on offer
Brightfunded

Side-by-Side Specs

Dimension Topstep Brightfunded
Drawdown mechanicIntraday trailingEOD-trailing + lock
Cheapest eval$49
Profit split90%Up to 100% (15% paid on evalua
Payout frequencyNext Trading DayOn demand, processed within 1
Max funding$150,000$400k
Max payout$150,000
AssetsFuturesForex, Crypto
PlatformsTopstepX, NinjaTrader, TradovateMT5, cTrader, DXtrade
Payout methodsWise, Wire / SWIFT, ACH, AeropayCrypto, Wire / Bank Transfer
Promo codeNOV15 (15% off)
Paul-testedResearch-basedResearch-based

Drawdown — The Single Most Important Difference

Topstep uses Intraday trailing while Brightfunded uses EOD-trailing + lock. Your risk approach needs to adjust when switching.

Topstep

Intraday trailing

MLL tracks intraday equity-high tick by tick. Spike up = floor raised instantly.

Brightfunded

EOD-trailing + lock

MLL trails up at end-of-day until it reaches starting balance, then locks. Intraday drops don't reset.

Account Plans Compared

Topstep offers 4 plans. Brightfunded offers 6 plans.

Topstep plans

  • Trading Combine $50K
    Starting $50,000 · $49 · 1d cycle
  • Trading Combine $100K
    Starting $100,000 · $99 · 1d cycle
  • Trading Combine $150K
    Starting $150,000 · $149 · 1d cycle
  • Express Funded $50K
    Starting $50,000 · 1d cycle

Brightfunded plans

  • Pluto $5K
    Starting $5,000
  • Mars $10K
    Starting $10,000
  • Venus $25K
    Starting $25,000
  • Neptune $50K
    Starting $50,000
  • Saturn $100K
    Starting $100,000
  • Jupiter $200K
    Starting $200,000

Who Fits Which Firm

→ Pick Topstep if

  • You want a Intraday trailing mechanic
  • Your strategy fits this firm's drawdown profile

→ Pick Brightfunded if

  • You want a EOD-trailing + lock mechanic
  • You trade Forex or Crypto — broader asset coverage
  • You want to diversify firm-risk alongside Topstep

FAQ — Topstep vs Brightfunded

Is Topstep or Brightfunded cheaper to start?

Pricing varies by plan and promo. Both firms run regular discounts, Brightfunded via code NOV15 (15% off).

What's the drawdown difference between Topstep and Brightfunded?

Topstep uses Intraday trailing. Brightfunded uses EOD-trailing + lock. These are fundamentally different — your risk model needs to change when switching between them.

Which firm has the better profit split?

Topstep: 90%. Brightfunded: Up to 100% (15% paid on evalua.

Has Paul personally tested both firms?

Topstep is research-based on this site — Paul has not yet completed a full evaluation cycle there. Brightfunded is research-based — see the main review for the data sourcing methodology.

Can I run both Topstep and Brightfunded accounts simultaneously?

Yes. Different prop firms have no shared compliance — running them in parallel is the standard playbook for funded traders looking to diversify firm-risk. Track each firm's rule changes independently.

Which firm pays out faster?

Topstep payout cadence: Next Trading Day. Brightfunded: On demand, processed within 1 . Method matters too — Wise and Plaid typically beat ACH and wire by 1-2 days.

Are there overlap restrictions if I trade both?

No cross-firm compliance overlap. Each firm 1099s independently for US residents. Cross-firm copy-trading rules only matter inside a single firm's account family.

If I had to pick one, what's the deciding factor?

Drawdown mechanic comes first. Brightfunded offers lock-protection on first profits — favors traders who scale slow. After mechanic, evaluate payout speed and your strategy's drawdown profile.