Topstep Review 2026
In short: Topstep is a United States-based futures proprietary trading firm that has been operating for 14 years. Evaluation accounts start at $49; use code FE. Funded traders keep a 90/10 profit split. Capital can scale up to $150K per account, up to 5 XFAs.
Topstep
Topstep is the original futures prop firm (Chicago, since 2012): a monthly Trading Combine with one rule and two objectives, an Express Funded Account with 90/10 payouts, and a real-capital Live Funded Account with no payout caps, all traded on its own TopstepX platform.
Affiliate link — FundedEnigma may earn a commission if you sign up, at no extra cost to you. The code FE applies the firm’s current discount. Disclosure.
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Quick Facts
Profit Split
90/10
Max Allocation
$150K per account, up to 5 XFAs
First Payout
5 days
Payout Frequency
Every 5 winning days (XFA Standard) · every 3 days at 40% consistency (XFA Consistency) · no caps on the Live Funded Account
Company Information
Features & Rules
Payment Methods
Overview
Enigma Rating
100% data confidence
Follows the best-rated of 16 plans, each scored on its own rules and price against plans with the same drawdown type.
Net first payout you can expect per dollar paid in (repeat your eval result once, after the split and any cap; monthly plans count an expected 1.5 months of fees) — vs. every plan in the same market. — ≈ $27.1 first payout / $1 spent · Labs $250K Freedom Trading Combine 250K
How much USABLE loss buffer you get for what you pay in — a static drawdown counts in full, an end-of-day trailing one 85%, an intraday trailing one 60% — vs. every plan in the same market. — ≈ $20.0 buffer / $1 spent · Labs $250K Freedom Trading Combine 250K
How quickly you reach a first withdrawal — eval days, funded days, the profit buffer and the payout cycle — how cheaply, and how much you can withdraw per month across all allowed accounts before going live. — ≈ 7 trading days to a first payout · $499 all-in · Labs $250K Freedom Trading Combine 250K
How few restrictive rules stand between you and getting funded — scored per plan from its own eval and funded rules (static > locking trailing > end-of-day > intraday drawdown, buffer vs target, daily loss limit, consistency, min days, phases). — Friction: Daily loss limit $5,000, 55% consistency rule in eval · Labs $250K Freedom Trading Combine 250K
Reliability: Trustpilot score weighted by how many reviews stand behind it, the trend of the latest reviews, complaint themes and consumer alerts, plus track record (review volume and years operating). — 3.6/5 Trustpilot (14,824 reviews) · recent 60 reviews average 4.0 · praised: Fast payouts (8%), Helpful support (8%) · 14 years operating
Rating by plan
All-in price includes the live discount| Plan | Account | Total cost | Value | Cushion | Payout | Ease | Rating |
|---|---|---|---|---|---|---|---|
| Labs $1.5K Challenge (Powered Up) | 1.5K | $99 | |||||
| Labs $25K Static Trading Combine | 25K | $75 | |||||
| Trading Combine | 50K | $198 | |||||
| Trading Combine (DLL) | 50K | $198 | |||||
| Trading Combine (No Activation Fee + DLL) | 50K | $85 | |||||
| Trading Combine (No Activation Fee) | 50K | $95 | |||||
| Labs $50K Static Trading Combine | 50K | $149 | |||||
| Trading Combine (DLL) | 100K | $248 | |||||
| Trading Combine | 100K | $248 | |||||
| Trading Combine (No Activation Fee + DLL) | 100K | $129 | |||||
| Trading Combine (No Activation Fee) | 100K | $149 | |||||
| Trading Combine (No Activation Fee + DLL) | 150K | $199 | |||||
| Trading Combine (DLL) | 150K | $348 | |||||
| Trading Combine | 150K | $348 | |||||
| Trading Combine (No Activation Fee) | 150K | $229 | |||||
| Labs $250K Freedom Trading CombineBest | 250K | $499 |
Why the best plan scores well
- +End-of-day drawdown in eval
- +End-of-day drawdown once funded
- +No consistency rule once funded
- +Higher first-payout return per $ than most plans in this market
- +Bigger usable loss buffer per $ than most plans in this market
What holds it back
- −Daily loss limit $5,000
- −55% consistency rule in eval
What recent reviews say
- +Fast payouts (8%)
- +Helpful support (8%)
Trading Platforms
Tradable Assets
Payment Methods
Payout Methods
Key Features
Risk-Reward Profile
Trading Flexibility Score
Based on Topstep's trading rules, this firm offers a aggressive trading environment. Ideal for active traders who want flexibility with their strategies.
Indicative classification derived from the firm's published rule flags (scalping, news trading, consistency rules, etc.). Not part of the Enigma Score — see our methodology page for how firms are actually scored.
Market Position
Topstep at a glance
Challenge Plans & Pricing
Cost Calculator
Evaluation vs Funded Account
What Changes When You Get Funded
Key rule differences between evaluation and funded phases
Payout Journey
Pass Evaluation
Complete all evaluation phases and meet profit targets
KYC Verification
Submit identity documents for verification
Receive Funded Account
Get access to your live funded trading account
First Payout Eligible
Meet the minimum trading period before first withdrawal
Request Payout
Submit withdrawal request and receive your profits
Pass Evaluation
Complete all evaluation phases and meet profit targets
KYC Verification
Submit identity documents for verification
Receive Funded Account
Get access to your live funded trading account
First Payout Eligible
Meet the minimum trading period before first withdrawal
Request Payout
Submit withdrawal request and receive your profits
Trading Rules
Trading Permissions
Trading Requirements
Additional Rules
Trading Combine: best day must stay at or below 55% of the profit target (target rises otherwise). XFA Standard path: none. XFA Consistency path: best day <= 40% of net profit per payout. Live: none.
Express Funded Accounts are closed after more than 30 days without trading.
Evaluation Guidelines
Monthly-subscription Trading Combine ($50K / $100K / $150K buying power) with one rule (EOD-trailing Maximum Loss Limit that locks at the starting balance) and two objectives (profit target, 55% consistency target); pass in as little as 2 days, no time limit, one free reset credit per rebill. Checkout paths: Standard ($49/$99/$199 per month + $149 XFA activation; adding the Daily Loss Limit keeps the price and doubles payout caps), No Activation Fee ($95/$149/$229) and No Activation Fee + Daily Loss Limit ($85/$129/$199, doubled payout caps). Passing earns an Express Funded Account (sim, $0 starting balance) — up to 5 at once — with 90/10 payouts, then a call-up to the Live Funded Account with real capital and no payout caps. Topstep Labs (experimental drops, one-time fees, no resets, 90-day lifespan, up to 5 of each a month): $25K Static Trading Combine $75 (static $1,000 Max Loss Limit, $4,000 payout cap), $50K Static Trading Combine $149 (static $2,000, $8,000 cap), $250K Freedom Trading Combine $499 ($10,000 EOD, $25,000 cap) and the $1.5K Challenge (Powered Up) $99 (make $1,500 twice before losing $500, fixed $1,500 payout).
Day-trading only on CME/CBOT/NYMEX/COMEX futures via TopstepX: flat by 3:10 PM CT, reopen 5:00 PM CT, no swing or overnight positions, no forex. Micros count 10:1 against the contract limit (5/10/15 minis). News trading allowed at your own risk. Cross-account hedging, account stacking, unfair technology/HFT and copy-trading abuses are prohibited; automated strategies need approval. Consistency target 55% in the Combine; XFA scaling plan sets contracts by balance. Payouts: min $125, 50% of balance up to the XFA cap, via Aeropay (US, instant), prop-to-brokerage, Wise (CA/UK/CN), ACH or wire ($30).
Restricted Countries
Topstep is not available in 35 countries
Traders from these countries cannot participate in evaluations
This list may change. Please verify eligibility directly with Topstep before purchasing.
Trust & Track Record
Reviews & Verdict
The Upside
What we love
Traders keep 90/10 of their profits.
EOD trailing drawdown allows for intraday flexibility.
Payouts processed within 5 days.
Trade with automated systems and expert advisors.
No restrictions on trading during news events.
The Downside
Room for improvement
Trading Combine: best day must stay at or below 55% of the profit target (target rises otherwise). XFA Standard path: none. XFA Consistency path: best day <= 40% of net profit per payout. Live: none.
Not available in 35 countries.
Identity verification required before trading.
Positions must be closed before weekends.
Trustpilot Reviews
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Frequently Asked Questions
Topstep explained on video
- 5K Challenge, Explained End To End — And Rated.
- 5K Challenge — Powered Up: $99 Once, Make $1,500 Before You Lose $500, Do It Again, And Keep A Fixed $1,500 Payout.
- Now With 2 Minis Or 20 Micros.
Prices and rules in this video are as of 2026-10-22 and may have changed — the current prices on this page were verified 2026-11-01.
- Topstep Labs 250K Freedom, Explained End To End — And Rated.
- Topstep's Biggest Account: The $250K Freedom Trading Combine From Topstep Labs, $499 Paid Once, A $15,000 Target Against A $10,000 End-Of-Day Loss Limit, And Payouts Up To $25,000 A Request.
- Every Rule, Every Price, How Payouts Work, The Road To Live, And How FundedEnigma Scores It (8.
Prices and rules in this video are as of 2026-10-22 and may have changed — the current prices on this page were verified 2026-11-01.
- Topstep Labs 50K Static, Explained End To End — And Rated.
- Topstep Labs' Sixth Drop: A $50K Trading Combine For $149, Paid Once, With A Static $2,000 Maximum Loss Limit, Free Activation And Payouts Up To $8,000 A Request On Either Path.
- Every Rule, Every Price, How Payouts Work, The Road To Live, And How FundedEnigma Scores It (8.
Prices and rules in this video are as of 2026-10-22 and may have changed — the current prices on this page were verified 2026-11-01.
About Topstep
Payouts: Every 5 winning days (XFA Standard) · every 3 days at 40% consistency (XFA Consistency) · no caps on the Live Funded Account, with a first withdrawal available after 5 days. Risk is managed using the EOD drawdown model, and a consistency rule applies: Trading Combine: best day must stay at or below 55% of the profit target (target rises otherwise). XFA Standard path: none. XFA Consistency path: best day <= 40% of net profit per payout. Live: none. Trading is available on TopstepX across Futures. On Trustpilot it holds 3.6/5 from 14,824 reviews. Compare Topstep on FundedEnigma and sign up through our link — code FE — so the sale is attributed to FundedEnigma at the firm's standard price.
Trustpilot rating: 3.6 / 5 from 14,824 reviews
Topstep plans
- Topstep Trading Combine — 50K / 100K / 150K, from $49 · plan details + video
- Topstep Labs 25K Static — 25K, from $75 · plan details + video
- Topstep $1.5K Challenge — 1.5K, from $99 · plan details + video
- Topstep Labs 50K Static — 50K, from $149 · plan details + video
- Topstep Labs 250K Freedom — 250K, from $499 · plan details + video
Compare Topstep head to head
Topstep — Frequently asked questions
- Is there a Topstep discount code?
- Yes. FundedEnigma's code for Topstep is FE. Topstep is currently selling at its standard prices, so check the firm's checkout for any sale (verified November 1, 2026).
- How much does Topstep cost?
- Topstep evaluations start at $49 (base price). Use code FE.
- What is Topstep's profit split?
- Topstep offers a 90/10 profit split.
- What is Topstep's payout policy?
- Topstep's payout policy is: Every 5 winning days (XFA Standard) · every 3 days at 40% consistency (XFA Consistency) · no caps on the Live Funded Account.
- Does Topstep have a consistency rule?
- Yes — Topstep applies a consistency rule: Trading Combine: best day must stay at or below 55% of the profit target (target rises otherwise). XFA Standard path: none. XFA Consistency path: best day <= 40% of net profit per payout. Live: none.
- What drawdown type does Topstep use?
- Topstep uses EOD drawdown.
- Which countries does Topstep restrict?
- Topstep does not accept traders from 35 countries, including Afghanistan, Algeria, Angola, Belarus, Burkina Faso, Burma (Myanmar), Burundi, Chinese military end-users and 27 more. The full list is on this page under Restricted Countries.
- What are Topstep's payout rules?
- At Topstep, payouts are every 5 winning days (XFA Standard) · every 3 days at 40% consistency (XFA Consistency) · no caps on the Live Funded Account; the first payout can be requested after 5 days; payout methods are Aeropay (US, instant), Prop-to-brokerage (US), Wise (CA/UK/CN), ACH ($30), Wire/SWIFT ($30).
By Steve H — reads every firm’s official rulebook, checks prices and codes daily, and maintains the Enigma Score · Methodology · Editorial policy · Last updated November 1, 2026