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Updated 2026-03-08
Funded Trading Plus vs Top Tier Trader: Which Prop Firm Is Better?
Choosing between Funded Trading Plus and Top Tier Trader comes down to whether you prioritize single-phase evaluation or maximum drawdown flexibility. Funded Trading Plus eliminates the second phase entirely, while Top Tier Trader offers no daily loss limits and allows up to 10% total drawdown versus just 6%. Both firms allow news trading and offer competitive profit splits, but their risk management approaches differ significantly. This comparison examines how these structural differences impact different trading styles and experience levels.
FT
Funded Trading Plus
Est. 2021 · London, UK
4.7
3,000 reviews
VS
7 wins
3 ties
2 wins
TT
Top Tier Trader
Est. 2022 · N/A
4.5
3,000 reviews
Feature
Funded Trading Plus
Top Tier Trader
Challenge Price ($100K)
$549✓ Lower entry cost
$558.6
Phase 1 Profit Target
10%
10%
Phase 2 Profit Target
None (single-phase)✓ Single-phase evaluation
5%
Max Daily Loss
4%
No limit✓ No daily loss limit
Max Total Loss
6%
10%✓ More drawdown room
Min Trading Days
None✓ No minimum
0 days
Time Limit (Phase 1)
No limit
No limit
Payout Split
80% (up to 100%)✓ Higher profit split
90%
Funded Trading Plus
Pros
+Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
+Fast weekly reward frequency starting from day 0
+No monthly fees with transparent pricing structure
+News trading allowed and weekend holding permitted
+Swap-free accounts available with no virtual charges for overnight positions
Cons
−Lower leverage at 1:30 compared to many competitors
−Limited account size options shown with pricing
−Add-on features require additional 15% fees each
−Relatively new firm established in 2021
Top Tier Trader
Pros
+No minimum trading days requirement - trade at your own pace
+24-hour payout guarantee with up to 90% profit share
+Scaling available up to $2M in virtual capital
+MT5 platform with worldwide market access through regulated broker
+Custom add-ons available including double leverage and news trading
Cons
−Relatively new firm established in 2021 with less track record
−Limited platform options - only MT5 available
−Higher challenge prices compared to some competitors
−Unlimited duration may lack structure for some traders
Our Verdict
Which Should You Choose?
Funded Trading Plus suits traders who want the fastest path to funded status and don't mind tighter risk controls. The single-phase evaluation saves time and mental energy, while the lower $549 entry cost provides better value. However, the 4% daily loss limit and 6% total drawdown require disciplined position sizing.
Top Tier Trader better serves aggressive traders and scalpers who need maximum flexibility. The absence of daily loss limits and 10% total drawdown allowance provide significantly more room for drawdown recovery. The higher 90% profit split also benefits high-volume traders, though the two-phase evaluation adds complexity.
For most traders, Funded Trading Plus offers the better overall package. The single-phase structure, lower cost, and solid 4.7/5 Trustpilot rating outweigh the stricter risk limits, especially for newer prop traders who benefit from forced discipline.
Choose Funded Trading Plus if:
→Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
→Fast weekly reward frequency starting from day 0
→No monthly fees with transparent pricing structure
→News trading allowed and weekend holding permitted
Choose Top Tier Trader if:
→No minimum trading days requirement - trade at your own pace
→24-hour payout guarantee with up to 90% profit share
→Scaling available up to $2M in virtual capital
→MT5 platform with worldwide market access through regulated broker
Disclaimer:This comparison is for informational purposes only. Prop firm rules change regularly — always verify current terms on each firm's official website before purchasing a challenge. This is not financial advice. Updated 2026-03-08.