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Topstep

United States United States Futures Est. Jan 2010
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Challenges from $49 90% profit split On-demand payouts
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Profit Split 90%
Technology Proprietary
Daily Drawdown No daily loss limit on Standard plan. Max Loss Limit: $2,000 (50K) / $3,000 (100K) / $4,500 (150K) trailing EOD from highest balance. Optional DLL add-on: $1,000 / $2,000 / $3,000.
Payout Reliability A+ On-demand Request payouts up to $6,000 and keep 90% of your payouts; approved payouts can hit your account in seconds See full leaderboard

Composite Trust Score

Multi-source aggregate of every verified trust signal we hold on Topstep. Methodology →

v1.0 · PropFirmMap
TrustPilot Rating 3.5
17.5 / 25 pts
Review Volume 14272
20.0 / 20 pts
PropFirmMap Safety Grade A
17.0 / 20 pts
Operational Longevity 16.5 yrs
15.0 / 15 pts
PropFirmMap Verification Freshness 2026-05-10
5.0 / 10 pts
Verified Partner Vetting No
0.0 / 10 pts
Reputation Penalty None
0 pts
Price Account Size Account Name Profit Target Max Daily Loss Max Drawdown Profit Split Activation Fee Notes
$49 /month $50K 1 Step P1: $3,000 P1: $2,000 Trailing EOD max loss limit (One Rule - no separate daily loss limit on Standard plan) P1: $2,000 90% $149 $50K Trading Combine - 5 mini / 50 micro contracts, Express Funded after pass Details
$99 /month $100K 1 Step P1: $6,000 P1: $3,000 Trailing EOD max loss limit (One Rule - no separate daily loss limit on Standard plan) P1: $3,000 90% $149 $100K Trading Combine - 10 mini / 100 micro contracts, Express Funded after pass Details
$199 /month $150K 1 Step P1: $9,000 P1: $4,500 Trailing EOD max loss limit (One Rule - no separate daily loss limit on Standard plan) P1: $4,500 90% $149 $150K Trading Combine - 15 mini / 150 micro contracts, Express Funded after pass Details
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Main Benefits

Instant payouts (~9 seconds); 90% profit split; up to $12K payout cap; no daily loss limit; 15+ years in business; 200K+ traders; $1.4B+ paid out; proprietary TopstepX platform; live education via TopstepTV

Main Drawbacks

Subscription-based monthly fee model (not one-time); 3.4 TrustPilot rating lower than some competitors; consistency rule limits largest winning days to 50% of total profits

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CEO
Michael Patak
TrustPilot
3.5/5 (14,272 reviews)
Payout Methods
Wise Wise
ACH ACH
International Wire / SWIFT International Wire / SWIFT
Trading Platforms
Topstep X Topstep X
Commission Structure

See their full commission details

About Topstep

Topstep is a pioneer in the prop trading evaluation space, founded in 2010 in Chicago by Michael Patak. Built on the belief that long-term trading success is driven by discipline, consistency, and sound risk management, Topstep has grown to serve a community of over 200,000 traders and has paid out more than $1.4 billion. The firm operates its own proprietary platform, TopstepX, offers live market education through TopstepTV, and launched Topstep Brokerage in 2026 for traders who want to trade their own capital. Topstep's One Rule evaluation model requires traders to simply not exceed the trailing max loss limit.

Payout Frequency On demand (after eligibility met) On demand
Days to First Payout 5 days
Profit Split 90%
Processing Time Instant via Aeropay (~9 seconds avg, US only); 1-3 business days via ACH
Get funded
3 Min trading days
5 First payout eligible
On demand (after eligibility met)
Payout methods
Wise Wise
ACH ACH
International Wire / SWIFT International Wire / SWIFT
Amounts
Minimum withdrawal$125
Maximum per payout$5,000
Profit buffer requiredNot publicly disclosed
Requirements
Min trading days3
Consistency for payoutStandard path: 5 Winning Days of $150+; OR Consistency XFA path: 3 trading days + 40% Consistency Target
Eval fee refunded on 1st payoutNot publicly disclosed
Payout proof / KYCNot publicly disclosed
ScheduleStandard payout capped at $5,000 per request ($10,000 with Responsible Trading Advantage add-on); Consistency path capped at $6,000 ($12,000 with RTA). 99.26% payout approval rate.
Additional payout notes

Standard XFA: up to 50% of account balance per payout, max $5,000. Consistency XFA: up to 50%, max $6,000. 90/10 profit split.

Source: firm payout terms

General rules (apply to challenge & funded)
Not disclosed
News trading
Not allowed
Weekend holding
Not allowed
Overnight holding
Not disclosed
EAs / automation
Not disclosed
Copy trading
Not disclosed
Hedging
Not disclosed
Scalping
Not required
Stop-loss
All positions must be closed by 3:10 PM CT or product market close, whichever comes first
Challenge vs Funded
Consistency rule Challenge: 50% - best single day cannot exceed 50% of total Trading Combine profits Funded: Optional: Standard path (5+ Winning Days of $150+) OR Consistency XFA (3 days + 40% Consistency Target)
Drawdown type Challenge: Trailing EOD max loss: $2,000 (50K) / $3,000 (100K) / $4,500 (150K); balance high minus max drawdown, adjusted end of each day Funded: Trailing Max Loss Limit (from highest EOD balance; does not decrease)
Drawdown & risk
Daily loss resetNot publicly disclosed
Max position sizeNot publicly disclosed
Max leverageNot publicly disclosed
Min trade durationNot publicly disclosed
Challenge lifecycle
Time limitNot documented
Inactivity ruleNot documented
Reset feeNot publicly disclosed
Scaling planContract limit based on account balance per Scaling Plan; starts at lowest level with ability to increase based on profits
Instruments & restrictions
Allowed instrumentsFutures only (CME, COMEX, NYMEX, CBOT)
Prohibited strategiesNo Stocks, Options, Forex, Spot Cryptocurrency, or CFDs
Additional rules

Max 5 active Express Funded Accounts simultaneously. Scaling plan exists.

Source: firm rules page

8.0 PFM Score

Excellent

Trust & Reputation
9.4 /10
1.1 above avg
Value for Money
9.5 /10
1.2 above avg
Payout Speed
10 /10
2.2 above avg
Trading Flexibility
8 /10
Average
Platform Choice
4 /10
3.3 below avg

Strengths

  • Established firm (since 2010)
  • Very affordable challenges (from $49)
  • High profit split (up to 90%)
  • Fast payouts (On-demand)
  • No daily drawdown limit

Weaknesses

  • Limited platform choice (1 platform)
Ready to start trading with Topstep?
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Recent Activity

Score Update 11 hours ago

Score decreased from 8 to 6.9

8 6.9
Score Update 1 day ago

Score decreased from 8 to 6.9

8 6.9
Score Update 2 days ago

Score decreased from 8 to 6.9

8 6.9
Score Update 3 days ago

Score decreased from 8 to 6.9

8 6.9
Score Update 4 days ago

Score decreased from 8 to 6.9

8 6.9
Score Update 5 days ago

Score decreased from 8 to 6.9

8 6.9
Score Update 1 week ago

Score increased from 6.7 to 6.9

6.7 6.9
Rule Change 1 week ago

drawdown rules changed

Rule Change 1 week ago

drawdown rules changed

Rule Change 1 week ago

drawdown rules changed

$2,000 max loss limit ($50K) / $3,000 ($100K) / $4,500 ($150K) — trailing EOD $2,000 max loss limit ($50K) / $3,000 ($100K) / $4,500 ($150K)
View full history on Industry Pulse
Topstep
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