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Topstep Review 2026: Trading Combine, Rules & Payouts
Our Verdict: Who is Topstep for?
Topstep suits futures day traders who want a monthly-subscription evaluation with a clear, single drawdown rule — and who can live with a 55% best-day consistency target, an end-of-day trailing loss limit, and a funded account that starts at a $0 balance. You can pass the Trading Combine in as little as two days, and the funded path runs through an Express Funded Account (simulated) before any Live Funded Account. There is no PropDealHub code for Topstep at this time, and no promo code name was displayed on the firm's pricing page when we checked on 26 October 2026.
Trustpilot Rating
"Great Platform. Customer service is fast and profesional. Payouts fast and without problems."
"Garbage don't waste your money you're going to have a very hard time making money."
Read all 14,991 reviews on Trustpilot ↗
Checked 26 October 2026. Trustpilot scores change live — this is Trustpilot's rating, not PropDealHub's.
What looks good
- One drawdown rule: end-of-day trailing Maximum Loss Limit, which locks once it reaches your starting balance
- No mandatory daily loss limit — the daily limit is an opt-in add-on, not a fail condition
- Pass in as little as two days, or take your time; monthly reset credit included on rebill
- 90% profit split with on-demand payouts from a $125 minimum
- Route to an uncapped Live Funded Account after the Express stage
What to watch closely
- Pakistan is ineligible — citizens cannot trade or receive payouts
- 55% best-day consistency target on the Combine — and a different 40% target on the Consistency payout path (see below)
- Monthly subscription: the cost is months × fee plus a $149 activation fee on the Standard path, not a one-time fee
- Express Funded Accounts start at a $0 balance and lock at $0 when the loss limit is reached
- TopstepX only for the Combine/Express path — no other platform was shown
Compare Trading Combine Models & Fees
Switch between paths to compare monthly prices, read on topstep.com on 26 Oct 2026. All three sizes share the same targets, loss limits and contract limits below.
| Account size | Monthly fee | Activation on passing | Profit target | Max Loss Limit | Max contracts |
|---|---|---|---|---|---|
| $50,000 | $49 | $149 | $3,000 | $2,000 | 5 mini / 50 micro |
| $100,000 | $99 | $149 | $6,000 | $3,000 | 10 mini / 100 micro |
| $150,000 | $199 | $149 | $9,000 | $4,500 | 15 mini / 150 micro |
Reset fee equals the monthly price. Adding Responsible Trading Advantage to Standard leaves prices unchanged ($49/$99/$199, $149 activation).
| Account size | Monthly, advantage OFF | Monthly, advantage ON | Activation | Profit target | Max Loss Limit | Max contracts |
|---|---|---|---|---|---|---|
| $50,000 | $95 | $85 | Free | $3,000 | $2,000 | 5 mini / 50 micro |
| $100,000 | $149 | $129 | Free | $6,000 | $3,000 | 10 mini / 100 micro |
| $150,000 | $229 | $199 | Free | $9,000 | $4,500 | 15 mini / 150 micro |
Responsible Trading Advantage ON adds a Daily Loss Limit ($1,000/$2,000/$3,000 by size) and doubles the payout caps below. With it OFF, there is no daily loss limit row on the Combine panel.
Trading Rules That Actually Matter
Maximum Loss Limit (the one rule). The limit trails your end-of-day balance high and is set at the end of each day. On an Express Funded Account your balance can go below $0 to accommodate the limit, and if the limit balance increases to $0, your account locks at $0. Maximum 5 active Express Funded Accounts at one time; the scaling plan grows your contract limit with your balance.
Consistency — two different targets, do not conflate them. The Combine panel's Consistency Target is 55%: your best trading day cannot exceed 55% of total profits. The Consistency payout path is different: 3 trading days with at least 1 trade per day, and the largest single day cannot exceed 40% of total profit. After each payout the loss limit resets to $0 permanently and the counts restart.
Daily loss limit is opt-in. There is no mandatory daily loss limit on the Combine. The $1,000/$2,000/$3,000 figures apply only when you add Responsible Trading Advantage, which also buys a monthly discount on the No Activation Fee path and doubles the payout caps.
Minimum days. No formal minimum-trading-days rule for the Combine was found on the firm's rules pages — only "pass in as little as two days, or take your time." Funded traders can earn payouts in as little as 3 days.
Platform. TopstepX throughout the Combine/Express path. No other platform was shown for this path.
Profit Split, Payouts & Scaling
Split. The general split is 90/10 — you keep 90%. The "100% of your first $10,000 then 90%" wording is a narrow grandfathering rule for traders who joined the new Topstep dashboard before 12 January 2026 (legacy dashboard payouts do not count toward it), not the general rule.
Per-request caps (Express Funded, 50% of account balance up to the cap).
| Account size | Standard cap | Consistency cap | Doubled with daily limit (Standard / Consistency) |
|---|---|---|---|
| $50,000 | $2,000 | $3,000 | $4,000 / $6,000 |
| $100,000 | $3,000 | $4,000 | $6,000 / $8,000 |
| $150,000 | $5,000 | $6,000 | $10,000 / $12,000 |
The pricing page's "up to $12,000" headline is the doubled $150,000 Consistency cap, not the base cap. Minimum payout is $125.
Standard payout eligibility. 5 winning days of $150+ net profit (not necessarily consecutive; a day locks in at 4:00 PM CT) plus positive net profit since the last payout (at least $0.01). Consistency payout eligibility. 3 trading days as above. After each payout the loss limit resets to $0 permanently and the relevant count restarts.
Live Funded Account. Payouts are not capped: 5 winning days of $150+ per cycle, request up to 50% of account balance, count restarts after a payout. After 30 winning days, daily payouts unlock; after 30 Benchmark Trading Days you may request 100% of your share. Requesting a full 100% payout closes the account, since the balance reaches the loss limit.
Payout methods (context). Wise is listed for China, Canada and the UK only (August 2026 note); ACH is US banks only ($30); Wire/SWIFT is international (5–10 business days, $30). Check the current payout policy before buying.
Topstep Discount Code
Topstep does not offer a PropDealHub discount code at this time, and no promo code name was displayed on the firm's pricing page when we checked on 26 October 2026. Remember the real cost: the Combine is a monthly subscription, so a three-month attempt on the $50,000 Standard path costs 3 × $49 plus the $149 activation fee if you pass — not a single $49 payment.
See our discount codes page for firms with codes we have verified at checkout.
Frequently Asked Questions
Sources, Method & Disclosure
Primary source: Topstep official website ↗. See the official terms for eligibility and current account rules.
Our method: Research-based comparison of publicly available firm information, checked on 26 October 2026. This review does not claim that a challenge was purchased, traded or successfully paid out by PropDealHub.
Affiliate relationship: This page contains no Topstep affiliate link and no Topstep discount code. Read affiliate disclosure ↗
Rules and prices can change — always re-confirm the final price and terms at checkout before paying.
Written by Sami Ullah
PropDealHub is run by Sami Ullah, an independent trader and researcher based in Pakistan. He compares prop firms using each firm's own published prices, rules and payout terms, and personally tests every discount code at checkout before it is listed — with the test date and the before/after prices published alongside each code.
Published: 26 October 2026 · Updated: 26 October 2026