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Phase rules, specific terms, all sizes for the variant you picked above. Updates as you change selection.
Pick a model + type + size above to see details.
Key rules and pricing across all plans. Verify on the firm’s site — these change frequently.
| Profit target | $3,000 / $6,000 / $9,000 (6% of account) |
|---|---|
| Max drawdown | $2,000 / $3,000 / $4,500 END-OF-DAY trailing MLL - it rises with your end-of-day balance, never falls, and locks permanently once it reaches your starting balance.Read the full ruleShow lessBreach is monitored in real time on realized AND unrealized P&L: touch it intraday and you are liquidated immediately. In the Trading Combine that liquidates you for the rest of the day and blocks funding until you Reset; in the XFA the account is closed for good. |
| Daily loss limit | OPTIONAL in the Combine — $1,000 / $2,000 / $3,000. Auto-liquidates for the session, not a rule violation. Fixed if set at checkout; a manual Personal DLL (incl. a trailing PDLL) can be added or removed any time.Read the full ruleShow less |
| Consistency rule | Consistency Target: best single day should stay at or below 55% of the PROFIT TARGET - $1,650 / $3,300 / $4,950 (raised from 50% in September 2026; the old undisclosed buffer on top of the 50% was removed at the same time).Read the full ruleShow lessExceeding it is not an instant fail: your Profit Target is recalculated upward - the firm's own worked example divides by 0.55 - a $1,800 best day on the 50K raises the target to $3,273 - so you simply have to earn more to pass. Losses never reset your best day, and each days value locks at 3:10 PM CT. (The separate 40% figure is the XFA Consistency payout objective, measured against total net profit, and also requires a minimum of 3 trading days with at least 1 trade per day.) |
| Min trading days | 2 |
| Payout schedule | 1-3 business days approval; $125 minimum payout request. Every request is capped at 50% of your account balance, up to the dollar cap for your size. |
|---|---|
| EA / bots | Automated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades.Read the full ruleShow lessTrade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by ProjectX) is a live paid product, $29/mo. HARD BLOCK: all trading must originate from your personal device — VPS, VPNs and remote servers are prohibited by the Terms of Use and running automation on a VPS can get you suspended or removed. Scalping algos built to exploit SIM fills are separately banned. |
| News trading | Allowed, with limits: around Tier 1 News Events (CPI, FOMC, NFP, PPI) there are no new opening positions in equity-index and metals minis (ES, NQ, YM, RTY, NKD, GC, SI, HG, PL) from 5 minutes before to 5 minutes after the release, and micros (MES, M2K, MYM, MNQ, MGC) are capped at 3/6/9 and MHG/SIL at 2/5/7 on $50K/$100K/$150K (Combine and XFA, both SIM;Read the full ruleShow lesson an XFA the Scaling Plan can cut this to 1 micro below a $1,500 balance). Live Funded traders with a balance below $3,000 are limited to 1 contract during the window. Positions opened before the window can be kept and managed, and closing brackets are accepted. Separately, purposefully trading your full Maximum Position Size directly into a scheduled major news event is prohibited conduct. |
| Weekend holding | No overnight/weekend holding. The trading day runs 5:00 PM CT to 3:10 PM CT, and all positions must be closed by 3:10 PM CT or the product's market close, whichever comes first. |
| Cheapest challenge | $95/mo |
| Trustpilot (estimate) | 3.7/5 from ~15,044 reviews |
Rules and pricing verified 2026-11-06 against Topstep’s own site.
Every figure below is read from Topstep’s own published plan pages and re-checked 2026-11-06. Where a plan defers part of the fee, the balance is shown beside the price. Open a plan for its rules and its price per account size.
| Profit target | $3,000 / $6,000 / $9,000 (6% of account) |
|---|---|
| Daily loss limit | OPTIONAL in the Combine — $1,000 / $2,000 / $3,000. Auto-liquidates for the session, not a rule violation. Fixed if set at checkout; a manual Personal DLL (incl. a trailing PDLL) can be added or removed any time. |
| Max drawdown | $2,000 / $3,000 / $4,500 END-OF-DAY trailing MLL - it rises with your end-of-day balance, never falls, and locks permanently once it reaches your starting balance. Breach is monitored in real time on realized AND unrealized P&L: touch it… |
| Drawdown type | trailing_eod |
| Min trading days | 2 |
| Consistency rule | Consistency Target: best single day should stay at or below 55% of the PROFIT TARGET - $1,650 / $3,300 / $4,950 (raised from 50% in September 2026; the old undisclosed buffer on top of the 50% was removed at the same time). Exceeding it is… |
| Profit split | 90/10 (post-Jan 12, 2026); pre-Jan-2026 accounts grandfathered 100% first $10K |
| Payout rules | XFA Standard: 5 winning days of $150+. XFA Consistency: 3 days at the 40% consistency target. Live Funded: 5 winning days of $150+ per cycle, daily payouts unlocked after 30 winning days. |
| EA and trading bots | Automated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades. Trade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by… |
| News trading | Allowed, with limits: around Tier 1 News Events (CPI, FOMC, NFP, PPI) there are no new opening positions in equity-index and metals minis (ES, NQ, YM, RTY, NKD, GC, SI, HG, PL) from 5 minutes before to 5 minutes after the release, and… |
| Account size | Price |
|---|---|
| $50K | $49/mo + $149 activation |
| $100K | $99/mo + $149 activation |
| $150K | $199/mo + $149 activation |
| Profit target | $3,000 / $6,000 / $9,000 (6% of account) |
|---|---|
| Daily loss limit | OPTIONAL in the Combine — $1,000 / $2,000 / $3,000. Auto-liquidates for the session, not a rule violation. Fixed if set at checkout; a manual Personal DLL (incl. a trailing PDLL) can be added or removed any time. |
| Max drawdown | $2,000 / $3,000 / $4,500 END-OF-DAY trailing MLL - it rises with your end-of-day balance, never falls, and locks permanently once it reaches your starting balance. Breach is monitored in real time on realized AND unrealized P&L: touch it… |
| Drawdown type | trailing_eod |
| Min trading days | 2 |
| Consistency rule | Consistency Target: best single day should stay at or below 55% of the PROFIT TARGET - $1,650 / $3,300 / $4,950 (raised from 50% in September 2026; the old undisclosed buffer on top of the 50% was removed at the same time). Exceeding it is… |
| Profit split | 90/10 (post-Jan 12, 2026); pre-Jan-2026 accounts grandfathered 100% first $10K |
| Payout rules | XFA Standard: 5 winning days of $150+. XFA Consistency: 3 days at the 40% consistency target. Live Funded: 5 winning days of $150+ per cycle, daily payouts unlocked after 30 winning days. |
| EA and trading bots | Automated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades. Trade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by… |
| News trading | Allowed, with limits: around Tier 1 News Events (CPI, FOMC, NFP, PPI) there are no new opening positions in equity-index and metals minis (ES, NQ, YM, RTY, NKD, GC, SI, HG, PL) from 5 minutes before to 5 minutes after the release, and… |
| Account size | Price |
|---|---|
| $50K | $95/mo (no activation) |
| $100K | $149/mo (no activation) |
| $150K | $229/mo (no activation) |
Our full notes on Topstep’s rules. Verify on the firm’s site — these change frequently.
1-step Trading Combine. Standard Path $49/$99/$199 per month + $149 activation per funded account, or No Activation Fee Path $95/$149/$229 per month.
6% profit target ($3,000/$6,000/$9,000), Maximum Loss Limit $2,000/$3,000/$4,500 that trails your END-OF-DAY balance (not intraday peaks) and locks static once it reaches your starting balance, plus an optional Daily Loss Limit $1,000/$2,000/$3,000.
Breaches are still detected intraday on unrealized P&L. Minimum 2 trading days - a one-day pass is not possible.
Consistency Target: best single day at or below 55% of the PROFIT TARGET ($1,650/$3,300/$4,950) - raised from 50% in September 2026, and the old undisclosed buffer was removed at the same time; go over and your profit target is raised rather than the account failed (the 40% figure is the separate XFA payout objective, measured against total net profit, and needs 3 trading days).
All positions must be flat by 3:10 PM CT. 90/10 split (pre-Jan-2026 traders grandfathered at 100% of the first $10K). Each XFA payout request is 50% of balance up to a per-size cap ($2K/$3K/$5K Standard, $3K/$4K/$6K Consistency) - Live Funded payouts are uncapped.
Since June 2, 2026 a Daily Loss Limit added at Combine purchase doubles those caps.
What works in your favour, and the quirks, fees, hidden rules and operational catches we found in Topstep’s rules and FAQ. Always verify with the firm before purchase.
Going over does not fail you - it recalculates your profit target upward, and losses never reset your best day, so one big session can quietly move the finish line out of reach.
Blow past it and the firm recomputes your target as best day / 0.55 - its own worked example is an $1,800 best day on a 50K giving a $3,273 target, and a later $2,200 day pushing it to $4,000 (help centre 8284208).
The extra profit has to come on a LATER trading day - topping up the same session just raises the best day again.
One wording wrinkle remains: the article's headline measures the best day against the Profit Target, while its pass-check example divides by total profit ($1,600 / $3,000 = 53%) - at the pass point the two coincide.
The other 80% sits in Reserve and unlocks in four 25%-of-Reserve steps, each requiring a fresh $3,000/$6,000/$9,000 of net profit since the last one - reviewed Monday mornings, and one oversized win cannot skip a tier.
LFA size = average of your XFAs with at least one payout, rounded up to the next $50K/$100K/$150K tier, and anything above the tier size is forfeited
Top PnL pays 1st $75,000, 2nd $25,000, 3rd $20,000, 4th $15,000, 5th $10,000, $5,000 for 6th-10th, $750 for 11th-25th, $500 for 26th-50th and $125 for 51st-100th; the streak board pays its top 5 $25,000 / $15,000 / $5,000 / $3,000 / $2,000 for the most consecutive days over $500 profit.
Boards reset at market open on the 1st
What is intraday is the breach check: unrealized P&L touching the limit at any moment liquidates you immediately, even if the fill lands back above it
Resets, activation fees and Back2Funded are never refunded, and account size can never be changed after purchase
Limits update on Fridays. If the balance falls below $1,000 the account is liquidated and closed that day, the remainder is paid out, and any unlocked Reserve is forfeited
As of 6 November 2026 topstep.com/labs leads with 'NEW LIMITED RELEASE: Topstep Labs $50K Daily Payouts+ Trading Combine® Is Now Available!' and a live buy button, and under 'These Labs Are Always Open' it sells the $25K Static, $250K Freedom, $50K Static and $1.5K Challenge - Powered Up at any time (up to 5 of each per month, per the help centre); the $3K, $1.5K and $6K Challenges are listed as 'no longer on sale', and the Undead and Slasher are no longer shown.
The help centre's drop table (updated 2 November 2026) also lists an unnumbered Launchpad Challenge: $10 one-time, two rounds that both start at a $0 balance, reach the $100 profit target without hitting the $100 static loss limit in the Challenge Round, do it again in the Payout Round and a fixed $100 payout is paid once (no 90/10 split, then the account closes), 1 micro at a time, no daily loss limit, one $10 reset in the Challenge Round, 90 days per round, 30-day inactivity close, by email invitation only, for traders who have never passed a Trading Combine, one per trader for life; it is not sold on topstep.com/labs.
$50K Static: $149 one-time (no subscription, rebills or resets; the Responsible Trading Discount does not apply), $4,000 target, $2,000 STATIC MLL (stay above $48,000), mandatory $1,000 DLL, 4 minis / 40 micros, 55% consistency target, 90-day lifespan, 30-day inactivity close, max 5 per trader (the help centre's banner now says up to 5 of each per month), free XFA activation; the XFA offers a Standard (no consistency) or Consistency (40%) path, both with an $8,000 payout cap, scaling 2/3/4, and the MLL drops to $0 after the first payout.
MCL/MGC are capped at 25 lots and CL, GC, HO, QM, RB, MHG and SIL at 2 in this Combine.
$50K Daily Payouts+ (#010 EOD / #011 Static): $119 / $149 one-time (no subscription, rebills or resets), $3,000 / $4,000 target, a $2,000 MLL that trails end-of-day / never moves (stay above $48,000), mandatory $1,000 DLL, 5 minis / 50 micros, 55% consistency target in the Combine only, free activation, 90-day lifespan, 30-day inactivity close, and 5 in total per trader across both versions (the limit does not refresh when accounts close or fail).
Its XFA has no consistency target and a 90/10 split, and at every payout you pick a path: a Daily Payout ($250-$1,500, one per trading day, only on profit above a $2,000 buffer that stays in the account) or 5 Winning Days of $150+ (up to 50% of balance, capped at $4,000 EOD / $8,000 Static).
Any payout resets the winning-day count, and a Daily Payout sets the MLL to $0. The Challenges are a different animal: two rounds, each starting at $0 balance, no DLL, no consistency target, no scaling plan, no minimum days and no resets.
$3K Challenge - $3,000 target, static $1,000 MLL, 1 mini / 10 micros, fixed $3,000 payout. $1.5K Challenge - $1,500 target, static $500 MLL, 2 micros and NO minis, fixed $1,500 payout, max 5 per trader each calendar month (closed accounts still count).
$1.5K Challenge - Powered Up - the same $1,500 target in both rounds, static $500 MLL and fixed $1,500 payout, but 2 minis / 20 micros (10x the buying power) for $99 one-time, free activation, 90 days per round, 30-day inactivity close, max 5 per trader.
$6K Challenge - $6,000 target in BOTH rounds, static $2,000 MLL, 1 mini / 10 micros, free activation, Standard path only, 90-day lifespan per round, and a purchase cap of 5 per trader that counts closed accounts too (the $3K and $1.5K do not count toward it).
Return of the $3K Undead Challenge (#008) - $199 one-time, $3,000 target in both rounds, static $1,000 MLL, 5 minis / 50 micros, fixed $3,000 payout.
Revenge of the $3K Slasher Challenge (#009) - $65 one-time, $3,000 target in both rounds, static $500 MLL, 2 minis / 20 micros, fixed $3,000 payout.
Both have free activation, a 90-day lifespan per round, a 30-day inactivity close and a cap of 5 Undead plus 5 Slasher per trader (10 in total). All Challenges pay a FIXED sum with no 90/10 split, then the account closes for good.
There is no cap on how many Challenges you can hold in the Challenge Round, but only 5 may sit in the Payout Round at once - a cap separate from the 5-XFA limit. The $25K and $250K drops carry a 90-day expiry.
Labs contract limits are tighter than the standard book: in the $1.5K Challenge you cannot trade MHG, MET, MBT or SIL, MGC/MCL are capped at 1, and trading during Tier 1 News Events (CPI, FOMC, NFP, PPI) is restricted to 0; the Powered Up version allows up to 12 MCL/MGC, 1 contract of CL, GC, HO, QM, RB, MHG and SIL, and 0 of HG, PL and SI.
The Undead caps MCL/MGC at 31 lots, CL/GC/HO/QM/RB at 3 and MHG/SIL at 2; the Slasher caps MCL/MGC at 12 and CL/GC/HO/QM/RB/MHG/SIL at 1; both allow 0 HG, PL and SI, and during Tier 1 News Events the micros (MES, MNQ, MYM, M2K, MCL, MGC, MHG, SIL and others) are held to 3 lots in the Undead and 1 in the Slasher.
As of the firm's 2026-08-20 update, in the Trading Combine, Express Funded Account and Pro Account the minis CL, QM, HO, RB and Gold (GC) are capped at 3/6/9 by account size, while their micros run far wider - Micro Crude (MCL) and Micro Gold (MGC) at 30/60/90.
The Live Funded Account is drastically tighter on exactly those micros: MCL 3/6/9 and MGC 5/10/15.
Silver (SI), Copper (HG) and Platinum (PL) minis are set to ZERO on every account type; Micro Silver (SIL) and Micro Copper (MHG) are still allowed at 2/5/7 in the Trading Combine, Express Funded Account and Pro Account (2/4/6 until mid-October 2026) and at 2/4/6 on the Live Funded Account, but there is no micro Platinum contract, so Platinum is off the table entirely rather than micros-only.
On an XFA these numbers are ceilings only - the Scaling Plan applies independently and can hold you to 1 contract below a $1,500 balance.
Model-specific observations about their rules and mechanics. Educational only — not trading or investment advice.
Take the Standard Path at $49/mo on the 50k — if you bust you only lose $49; pass and pay the $149 activation. Add a Daily Loss Limit at checkout: on the No-Activation path it takes $10-$30 off, and since June 2026 it doubles your XFA payout cap either way.
Plan for at least 2 trading days and keep your best day under $1,650 (55% of the $3,000 target), or the consistency target moves against you.
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No public discount code is listed for Topstep at the moment.
Topstep holds an estimated Trustpilot rating of 3.7/5 from roughly 15,044 reviews. As with any prop firm, read the current rules and payout terms before buying, and start with a smaller account size.
Topstep's profit split is 90% (100% first $10K for pre-Jan-2026 accounts).
Automated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades. Trade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by ProjectX) is a live paid product, $29/mo.
This link goes straight to the firm's own site.
Trading involves risk of capital loss. Past performance does not guarantee future results. This is not financial advice — verify firm rules before purchase.