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TopStep

Name: TopStep Review 2026
Item: TopStep
Rating: 4.5
Author: Hà Ngọc Lộc

Futures Specialist

Futures prop trading's longest track record and highest total payouts.

4.5/5

Est. 2012Trustpilot: 4.4/5$1B+ paid

Reviewed by Hà Ngọc LộcFact-checked 2026-10-28How we score →

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4.5

Overall Score

Verified Offer: 50% OFFwith code HNLTOP50

Profit Split

90% (100% on first $10K for legacy accounts)

Account Sizes

$50,000—$150,000

Challenge Fee

From $49/month

Platforms

TopstepX, NinjaTrader

Payout Speed

1-3 business days

Trustpilot

4.4/5

Scoring Breakdown

Challenge Design4.5

Payout Reliability4.6

Trading Conditions4.5

Support Quality4.4

Value for Money4.5

Pros

Streamlined 1-Step Trading Combine with End-of-Day (EOD) trailing drawdown
Longest track record in futures prop trading (since 2012) with $1B+ paid
Up to 90% profit split (100% on first $10K for legacy accounts created before Jan 12, 2026)
Proprietary TopstepX platform with built-in TradingView charts and Tilt/PDLL risk controls
Low monthly subscription starting at $49/mo ($50K Combine)

Cons

Futures only — no forex or spot crypto
Monthly subscription fee during evaluation + $149 XFA activation fee
First XFA payout resets Maximum Loss Limit permanently to $0
Payout caps per request on Express Funded Accounts until Live Funded
New 90/10 split applies from dollar one for accounts opened after Jan 12, 2026

Overview

TopStep is the original futures prop firm. Pioneers of the Trading Combine evaluation, they specialize exclusively in futures trading with a proven 12+ year track record and over $1B paid to traders.

Founded in 2012 and based in United States, TopStep operates as a Futures evaluation provider with $1B+ in cumulative firm-reported payouts. Traders can choose from 1-Step program across account sizes from $50,000 up to $150,000, with a maximum capital allocation of $150,000 (up to 5 Express Funded Accounts).

Who TopStep Fits Best

Traders seeking 1-Step funding on TopstepX, NinjaTrader, Tradovate who can stay within a Optional session pause ($1,000–$3,000 Personal Daily Loss Limit) daily and $2,000–$4,500 (EOD Trailing) maximum drawdown cap while targeting a 90% (100% on first $10K for legacy accounts) profit split (on-demand upon meeting payout path criteria payouts after after 5 winning days ($150+ each) or 3 days on 40% consistency path).

Key Rules to Verify Before Buying

Check the $3,000–$9,000 (6%) Phase 1 target (N/A (1-Step Trading Combine) in Phase 2), 2 days (Combine) / 5 winning days $150+ or 3 days under 40% path (XFA) minimum trading days, and consistency policy (55% best-day target in Combine; Standard (no cap after 5 winning days) or 40% Consistency path in XFA) on official terms before checkout.

How TopStep Compares to Top Alternatives

Side-by-side comparison of rules, fees, drawdown limits, and payout terms against peer Futures firms.

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Metric	TopStep	The5ers Futures	Apex Trader Funding
Overall Rating	4.5/5	4.4/5	4.4/5
Entry Fee	From $49/month	From ~$150 (one-time, no monthly subscription)	From $147/month
Profit Split	90% (100% on first $10K for legacy accounts)	80-90%	100% on first $25K, then 90%
Profit Target (P1)	$3,000–$9,000 (6%)	6-7% ($1,500-$9,000 depending on tier)	$1,500-$20,000
Daily / Max Drawdown	Optional session pause ($1,000–$3,000 Personal Daily Loss Limit) / $2,000–$4,500 (EOD Trailing)	Daily Loss Limit triggers a temporary pause (positions closed, trading resumes next session) / 3.3%-6% EOD (End-of-Day), not intraday trailing	None on Intraday plans / Fixed DLL on EOD plans / $1,500–$7,500 (EOD or Intraday Trailing, locks at safety net)
Time Limit	Subscription-based (no calendar deadline)	No time limit (single upfront fee keeps evaluation active until passed or breached)	30-day evaluation cycle
First Payout	After 5 winning days ($150+ each) or 3 days on 40% Consistency path	14 calendar days after reaching funded stage	After 5 qualifying profit days (new PAs) / 8 trading days (legacy PAs)
Platforms	TopstepX, NinjaTrader, Tradovate	NinjaTrader, Quantower, Tradovate	NinjaTrader, Tradovate, TradingView

Challenge Rules & Trading Style Matrix

Core evaluation thresholds and strategy permissions checked against TopStep program rules.

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Challenge Type1-Step

Profit Target (P1)$3,000–$9,000 (6%)

Profit Target (P2)N/A (1-Step Trading Combine)

Daily DrawdownOptional session pause ($1,000–$3,000 Personal Daily Loss Limit)

Max Drawdown$2,000–$4,500 (EOD Trailing)

Min Trading Days2 days (Combine) / 5 winning days $150+ or 3 days under 40% path (XFA)

Time LimitSubscription-based (no calendar deadline)

Consistency Rules55% best-day target in Combine; Standard (no cap after 5 winning days) or 40% Consistency path in XFA

Drawdown ModelCheck Plan Rules

Optional session pause ($1,000–$3,000 Personal Daily Loss Limit) Daily · $2,000–$4,500 (EOD Trailing) Max

News TradingCheck Funded Window

Verify 2–5 min window around Tier-1 news

Weekend HoldingProgram-Specific

Verify swing vs standard account rules

Overnight HoldingProgram-Specific

Check futures/intraday flat cutoff

EAs & Trading BotsVerify EA Policy

No HFT/latency arbitrage; check custom EA rules

Fee Refund & ScalingScaling Plan

90% (100% on first $10K for legacy accounts) split · Scaling plan available

Pricing & Account Sizes

Code HNLTOP50 saves 50% at checkout

Account Size	Standard Fee	With 50% Off	Profit Target	Drawdown Limits
$50,000	$49/mo	$25/mo	$3,000 (1-Step)	$2,000 EOD trailing
$100,000	$99/mo	$50/mo	$6,000 (1-Step)	$3,000 EOD trailing
$150,000	$149/mo	$75/mo	$9,000 (1-Step)	$4,500 EOD trailing

Trading Conditions

Platforms

TopstepX, NinjaTrader, Tradovate, TradingView

Leverage

Standard futures margin

Spreads

Exchange spreads

Commissions

Exchange rates

Assets

Futures

Max Allocation

$150,000 (up to 5 Express Funded Accounts)

Features

1-Step Trading CombineEOD Trailing DrawdownTopstepX PlatformScaling PlanScaling Plan

Payout Process

First Payout

After 5 winning days ($150+ each) or 3 days on 40% Consistency path

Frequency

On-demand upon meeting payout path criteria

Min Withdrawal

$125

Processing

1-3 business days

Payout Methods

Bank WireACHWise

Frequently Asked Questions

Is TopStep legit?

Yes, TopStep is the most established futures prop firm, operating since 2012 with over $1B paid to more than 200,000 traders.

Is the TopStep Trading Combine 1-Step or 2-Step?

TopStep uses a 1-Step Trading Combine. Once you reach the profit target ($3,000 on $50K, $6,000 on $100K, $9,000 on $150K) while respecting the End-of-Day Maximum Loss Limit and 55% consistency target, you qualify for an Express Funded Account (XFA).

What is the TopStep profit split in 2026?

For accounts created on or after January 12, 2026, funded traders receive a 90/10 profit split across payouts. Legacy accounts opened before January 12, 2026 retain 100% of the first $10,000 in lifetime profits before the 90/10 split applies.

What markets can I trade with TopStep?

TopStep specializes in CME Group futures contracts — ES, NQ, YM, RTY, CL, GC, and micro futures (MES, MNQ, MCL, MGC).

Available Discount Codes

TopStep

Limited Time

50% OFF

50% OFF first month subscription

Listed until 2026-12-31 unless the firm ends it sooner. Offers can change without notice — confirm the discount at checkout.

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Our Verdict

The undisputed king of futures prop trading with the longest track record and most payouts in the futures space. With a 90% (100% on first $10K for legacy accounts) profit split, 1-Step evaluation, and a stated payout window of 1-3 business days, TopStep is a strong option to shortlist — provided its funded-stage rules suit your strategy.

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