TopStep Review 2026 — Rules, Profit Split & Drawdown

TopStep

Futures · CME

★ 4.5 -12% OFF via Brekout

$150K

90%

Challenge Rules

Account sizes$50K / $100K / $150K

Challenge typeTrading Combine® (subscription model)

Subscription pathsStandard Path (lower cost) · Consistency Path (higher cost)

Profit target ($50K)$3,000 fixed

Profit target ($100K)$6,000 fixed

Profit target ($150K)$9,000 fixed

Daily loss limit$1,000 / $2,000 / $3,000 (EOD trailing)

Max loss limitEOD trailing — moves up with profits, never down

Min trading days5 days minimum

Time limitNo time limit

CostMonthly subscription + optional no-activation-fee plans

InstrumentsCME futures (ES, NQ, CL, GC, ZB, ZC, and more)

News tradingAllowed (trader assumes risk)

Overnight holdingNot allowed — all positions must close by 3:10 PM CT Friday

EA / botsAllowed

Copy tradingAllowed (with restrictions)

PlatformsNinjaTrader, Tradovate, Quantower

Funded Account Rules

Profit split90% (new accounts 2026) — grandfathered accounts may differ

Max capitalUp to $150K (Express Funded Account)

Payout frequencyEvery 14 days minimum

First payout cap$2,000–$3,000 for $50K–$100K No-Activation-Fee accounts (April 2026 change)

Payout methodACH / wire transfer, crypto, Wise

Consistency rule50% — no single day > 50% of total profits (Consistency Path)

Max loss limitContinues in funded — EOD trailing

ScalingDynamic Live Risk Expansion (replaced static scaling July 2025)

Live Funded AccountTop Express traders invited to live CME capital (0.71% rate)

Recent newsTopStep acquired The Futures Desk (April 2026)

Things to Know

Topstep changed rules 8+ times between Nov 2025 and Apr 2026 — always check current terms.
April 28, 2026: payout caps reduced on new $50K/$100K No-Activation-Fee accounts.
Position size limits are enforced — exceeding contracts = immediate account breach.

Tips

Weekly payouts via Consistency Path make TopStep ideal for active traders with consistent P&L.
The EOD trailing drawdown gives intraday breathing room — a major advantage over intraday-trailing firms.
Choose Standard or Consistency Path based on how many attempts you expect to need.