Topstep Review 2026
Topstep is a United States-based futures proprietary trading firm that has been operating for 14 years. Evaluation accounts start at $49; use code FUNDIFY for the current discount.
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.
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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 9 plans, each scored on its own rules and price against plans with the same drawdown type.
Net first payout you can expect per dollar spent (repeat your eval result once, after the split and any cap) — vs. plans with the same drawdown type. — ≈ $31.8 first payout / $1 spent · Trading Combine (No Activation Fee + DLL) 50K
How much loss buffer (max drawdown) you get for the price — vs. plans with the same drawdown type. — ≈ $23.5 buffer / $1 spent · Trading Combine (No Activation Fee + DLL) 50K
How quickly you reach a first withdrawal — eval days, funded days, the profit buffer and the payout cycle — and how cheaply. — ≈ 7 trading days to a first payout · $85 all-in · Trading Combine (No Activation Fee + DLL) 50K
How few restrictive rules stand between you and getting funded — scored per plan from its own eval and funded rules. — Friction: Daily loss limit $1,000, 55% consistency rule in eval · Trading Combine (No Activation Fee + DLL) 50K
Aggregated trader ratings and review reputation. — 3.6/5 Trustpilot (14,791 reviews) · recent 60 reviews average 4.2 · praised: Helpful support (10%), Fast payouts (7%) · complaints: Rule changes / unfair breaches (5%)
Rating by plan
All-in price includes the live discount| Plan | Account | Total cost | Value | Cushion | Payout | Ease | Rating |
|---|---|---|---|---|---|---|---|
| Trading Combine | 50K | $198 | |||||
| Trading Combine (No Activation Fee + DLL)Best | 50K | $85 | |||||
| Trading Combine (No Activation Fee) | 50K | $95 | |||||
| Trading Combine | 100K | $248 | |||||
| Trading Combine (No Activation Fee + DLL) | 100K | $129 | |||||
| Trading Combine (No Activation Fee) | 100K | $149 | |||||
| Trading Combine | 150K | $348 | |||||
| Trading Combine (No Activation Fee + DLL) | 150K | $199 | |||||
| Trading Combine (No Activation Fee) | 150K | $229 |
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 end-of-day plans
- +Bigger loss buffer per $ than most peer plans
What holds it back
- −Daily loss limit $1,000
- −55% consistency rule in eval
What recent reviews say
- +Helpful support (10%)
- +Fast payouts (7%)
- −Rule changes / unfair breaches (5%)
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.
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. Three checkout paths: Standard ($49/$99/$199 per month + $149 XFA activation), 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.
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 32 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 32 countries.
Identity verification required before trading.
Positions must be closed before weekends.
Trustpilot Reviews
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Frequently Asked Questions
About Topstep
Funded traders keep a 90/10 profit split. Capital can scale up to $150K per account, up to 5 XFAs. 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 14,791 reviews. Compare Topstep on FundedEnigma and check out with code FUNDIFY to get the firm's current public discount while the sale is attributed to FundedEnigma.
Trustpilot rating: 3.6 / 5 from 14,791 reviews
Topstep plans
Topstep — Frequently asked questions
- How much does Topstep cost?
- Topstep evaluations start at $49 (base price). Use code FUNDIFY for the current discount.
- 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 32 countries, including Afghanistan, Algeria, Angola, Belarus, Burkina Faso, Burma (Myanmar), Burundi, Chinese military end-users and 24 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).
Reviewed by the FundedEnigma Editorial Team · Methodology · Editorial policy · Last updated September 16, 2026