01

Start with the billing model

An entry price is one line in a budget. Identify whether the selected account uses a one-time evaluation fee, a recurring subscription or an immediate-access fee. A monthly plan can keep billing while you attempt the evaluation; the exact cancellation and pass-to-stop conditions matter. Save the checkout currency, renewal date, tax treatment and account configuration. A price without those details is not a complete comparison.

FTMO — Are the fees recurrent?Topstep — Pricing and Payment Questions
02

Separate mandatory and optional costs

List activation, platform, market data, add-ons, reset and payment-processing charges separately. Mark each item as confirmed, conditional, optional or unknown. A reset is a new cost event, not evidence that the original fee was refundable. Also distinguish fees charged to your payment method from commissions deducted inside the trading account. Both can matter, but combining them as cash paid would misstate the amount you must fund yourself.

Topstep — Pricing and Payment QuestionsFTMO — Trading Objectives
03

Compare several time scenarios

Use a table for a first attempt, a slower attempt and an attempt with one reset. For each, calculate cash paid as entry charges plus renewals, resets and mandatory later charges. Keep account size and included services constant. Do not multiply a monthly fee by an invented average passing time and present it as a forecast. These are planning scenarios; the site cannot know whether or when you will pass.

04

Treat refunds and discounts conditionally

A possible fee refund should not reduce the cash needed at checkout. Record the triggering event, eligible fee, excluded extras and payment method; a first-reward refund is different from a cancellation refund. For promotions, verify the exact program, size, code and expiry in the official checkout. Check whether a discount applies only to the first payment or also to renewals. Retain the ordinary fee alongside the discounted scenario.

FTMO — Are the fees recurrent?Topstep — Pricing and Payment Questions
05

Keep payout proceeds separate

Track spending and any later reward as separate cash flows. A displayed profit split does not include every possible deduction, transfer charge or currency conversion. Tax depends on your circumstances and is outside this comparison. Before purchase, set a cash budget you can afford to lose, confirm how to stop recurring billing and save the terms. A lower modeled cost does not establish that a program suits your strategy or that a payout will occur.

FTMO — How do I withdraw my profits?Topstep — Payout Policy

Official sources

FTMO — Are the fees recurrent?2026-09-18Topstep — Pricing and Payment Questions2026-09-18FTMO — Trading Objectives2026-09-18FTMO — How do I withdraw my profits?2026-09-18Topstep — Payout Policy2026-09-18
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