Last verified: November 1, 2026 — checked against Topstep’s official help center. One fact first, because it decides everything for many traders: Topstep trades only on TopstepX, its own platform. NinjaTrader and Tradovate are not supported.
Trading Combine (Evaluation) Rules
| Account | Price | Profit target | Maximum loss limit | Consistency | Max contracts |
|---|---|---|---|---|---|
| 50K | $49/mo (or $95/mo no-activation path) | $3,000 | $2,000 | 55% | 5 minis |
| 100K | $99/mo (or $149/mo) | $6,000 | $3,000 | 55% | 10 minis |
| 150K | $199/mo (or $229/mo) | $9,000 | $4,500 | 55% | 15 minis |
- Maximum Loss Limit (MLL): trails your highest end-of-day balance and locks permanently at your starting balance — but it is monitored intraday in real time, including open profit. Touch it and the Combine is over.
- 55% consistency rule: your best day must stay at or under 55% of your total profit. Going over does not fail you — it raises the profit you must make before you can pass, which is why the fastest possible pass is 2 days.
- Two ways to buy: the Standard path is cheaper monthly but charges a $149 activation fee per funded account when you pass; the No-Activation path costs more per month and charges nothing on passing. The choice is locked at purchase.
- Optional daily loss limit add-on ($1,000–$3,000) flattens you for the session if hit — and, as shown below, it doubles your funded payout caps.
Topstep Funded Rules (Express Funded Account / XFA)
- 90/10 split (older accounts keep a grandfathered 100% of the first $10,000). Minimum payout $125. You may hold up to 5 XFAs; each starts at $0 with the same MLL dollars, which locks at $0 — and after your first payout the MLL is $0 forever.
- Standard payout path: 5 winning days of $150+ and positive net profit since your last payout. Withdraw up to 50% of your balance, capped per request at $2,000 (50K) · $3,000 (100K) · $5,000 (150K).
- Consistency payout path: 3 trading days with your largest day at or under 40% of net profit — higher caps: $3,000 · $4,000 · $6,000. If you bought the daily loss limit add-on in the Combine, caps double on both paths.
- Methods: transfer to a brokerage account (US, same-day if requested by 12 PM CT, free), Aeropay, Wise (limited countries), ACH or wire ($30).
- Blew an XFA before any payout? A Back2Funded reactivation ($599–$829) restores it.
Live Funded Account (LFA) Rules
Topstep can call you up to a Live Funded Account at its Risk Team’s discretion — you cannot decline and stay in the XFA. Your XFAs close and consolidate into one live account sized by your XFA history. Only 20% is tradable immediately (minimum $10,000); the other 80% sits in a Reserve that unlocks in four 25% steps, each requiring a Combine-sized profit ($3,000 / $6,000 / $9,000) since the last unlock. Payouts are 90/10 with no dollar cap (50% of balance per request, 5 winning days) — and after 30 winning days in the LFA, daily payouts of up to 100% of your unlocked balance open up.
Topstep FAQ
What are the funded rules for Topstep?
90/10 split, $125 minimum, withdraw up to 50% of your balance per request. Standard path needs 5 winning days of $150+ (caps $2,000–$5,000 by size); the consistency path needs 3 days with no day over 40% of net profit (caps $3,000–$6,000). The loss limit sits at $0 after your first payout.
Can I trade Topstep on NinjaTrader?
No. Topstep’s official help center states TopstepX is the only available trading platform.
How fast can I pass the Trading Combine?
Two days at the quickest — the 55% consistency rule means one day can never be more than 55% of your total, so a second day is always required.
Rules change often. We re-verify this page against Topstep’s official help center every month — last verified November 1, 2026. Always confirm on topstep.com before buying.