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Home Compare Topstep vs NEOMAAA Funded
⚔ Head-to-Head Updated 2026-05-15 · Both firms reviewed by Paul

Topstep vs NEOMAAA Funded (2026)

Side-by-side: drawdown, payouts, pricing, platforms. Topstep uses Intraday trailing, NEOMAAA Funded uses EOD-trailing (no lock) — these are different beasts.

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

Side-by-Side Specs

Dimension Topstep NEOMAAA Funded
Drawdown mechanicIntraday trailingEOD-trailing (no lock)
Cheapest eval$49$449
Profit split90%up to 80/20 (70/30 on Instant)
Payout frequencyNext Trading DayFirst 14-30 days, then bi-week
Max funding$150,000$400,000
Max payout$150,000
AssetsFuturesForex
PlatformsTopstepX, NinjaTrader, TradovateMetaTrader 5, TradeLocker
Payout methodsWise, Wire / SWIFT, ACH, AeropayBank transfer, Crypto, Local payment
Promo codeVIBES (35% off)
Paul-testedResearch-basedResearch-based

Drawdown — The Single Most Important Difference

Topstep uses Intraday trailing while NEOMAAA Funded uses EOD-trailing (no 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.

NEOMAAA Funded

EOD-trailing (no lock)

MLL trails end-of-day equity-high with no lock. Pure trailing-up.

Account Plans Compared

Topstep offers 4 plans. NEOMAAA Funded offers 4 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

NEOMAAA Funded plans

  • 1-Step Origin $10K
    Starting $10,000
  • 2-Step Prime $10K
    Starting $10,000
  • Instant Funded $10K
    Starting $10,000 · $449 · 30d cycle
  • Elite Challenge $10K
    Starting $10,000

Who Fits Which Firm

→ Pick Topstep if

  • You want a Intraday trailing mechanic
  • Entry price matters — $49 beats $449
  • Your strategy fits this firm's drawdown profile

→ Pick NEOMAAA Funded if

  • You want a EOD-trailing (no lock) mechanic
  • You trade Forex — broader asset coverage
  • You want to diversify firm-risk alongside Topstep

FAQ — Topstep vs NEOMAAA Funded

Is Topstep or NEOMAAA Funded cheaper to start?

Topstep's cheapest evaluation is $49. NEOMAAA Funded's cheapest is $449. Topstep wins on entry price by $400.

What's the drawdown difference between Topstep and NEOMAAA Funded?

Topstep uses Intraday trailing. NEOMAAA Funded uses EOD-trailing (no lock). These are fundamentally different — your risk model needs to change when switching between them.

Which firm has the better profit split?

Topstep: 90%. NEOMAAA Funded: up to 80/20 (70/30 on Instant).

Has Paul personally tested both firms?

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

Can I run both Topstep and NEOMAAA Funded 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. NEOMAAA Funded: First 14-30 days, then bi-week. 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. Both firms run trailing mechanics — winners decide on entry price and payout speed. After mechanic, evaluate payout speed and your strategy's drawdown profile.