Topstep · funded account
Topstep funded account and payouts 2026: profit split, payout rules and scaling plan
Every Topstep funded account's payout rules side by side — profit split, minimum and maximum payout, days needed and payout consistency — from Topstep's published rules.
90%Profit split
11Funded plans
2026-10-03Rules as of
7Live passes
Topstep payout rules by funded account
What each Topstep funded account pays out and when, from Topstep's published rules as of 2026-10-03. Profit split = the trader's share of profit withdrawn.
| Plan | Size | Profit split | Minimum payout | Maximum per payout | Days needed before a payout | Payout consistency |
|---|---|---|---|---|---|---|
| Trading Combine (XFA Standard) | 50K | 90% | $125 | 50% of profit, up to $2,000 ($4,000 with the daily loss limit added at purchase) | 5 days of $150+ profit | None |
| Trading Combine (XFA Consistency) | 50K | 90% | $125 | 50% of profit, up to $3,000 ($6,000 with the daily loss limit added at purchase) | 3 trading days | Best day ≤ 40% of cycle profit |
| Trading Combine (XFA Standard) | 100K | 90% | $125 | 50% of profit, up to $3,000 ($6,000 with the daily loss limit added at purchase) | 5 days of $150+ profit | None |
| Trading Combine (XFA Consistency) | 100K | 90% | $125 | 50% of profit, up to $4,000 ($8,000 with the daily loss limit added at purchase) | 3 trading days | Best day ≤ 40% of cycle profit |
| Trading Combine (XFA Standard) | 150K | 90% | $125 | 50% of profit, up to $5,000 ($10,000 with the daily loss limit added at purchase) | 5 days of $150+ profit | None |
| Trading Combine (XFA Consistency) | 150K | 90% | $125 | 50% of profit, up to $6,000 ($12,000 with the daily loss limit added at purchase) | 3 trading days | Best day ≤ 40% of cycle profit |
| Labs $50K Static Combine (XFA Standard) (Limited release) | 50K | 90% | $125 | 50% of profit, up to $8,000 | 5 days of $150+ profit | None |
| Labs $50K Static Combine (XFA Consistency) (Limited release) | 50K | 90% | $125 | 50% of profit, up to $8,000 | 3 trading days | Best day ≤ 40% of cycle profit |
| Labs $25K Static Combine (XFA Standard) (Limited release) | 25K | 90% | $125 | 50% of profit, up to $4,000 | 5 days of $150+ profit | None |
| Labs $25K Static Combine (XFA Consistency) (Limited release) | 25K | 90% | $125 | 50% of profit, up to $4,000 | 3 trading days | Best day ≤ 40% of cycle profit |
| Labs $250K Freedom Combine (XFA Standard) (Limited release) | 250K | 90% | $125 | 50% of profit, up to $25,000 | 5 days of $150+ profit | None |
As of 2026-10-03, from Topstep's published rules.
Topstep funded account rules
The funded stage keeps a maximum loss and, on some plans, a daily loss limit. Payout timing is set per plan.
| Plan | Size | Maximum loss (funded) | Daily loss limit (funded) | Payout timing |
|---|---|---|---|---|
| Trading Combine (XFA Standard) | 50K | $2,000 · End-of-day trailing | $1,000 (optional — only if added at purchase) | whenever eligible |
| Trading Combine (XFA Consistency) | 50K | $2,000 · End-of-day trailing | $1,000 (optional — only if added at purchase) | whenever eligible |
| Trading Combine (XFA Standard) | 100K | $3,000 · End-of-day trailing | $2,000 (optional — only if added at purchase) | whenever eligible |
| Trading Combine (XFA Consistency) | 100K | $3,000 · End-of-day trailing | $2,000 (optional — only if added at purchase) | whenever eligible |
| Trading Combine (XFA Standard) | 150K | $4,500 · End-of-day trailing | $3,000 (optional — only if added at purchase) | whenever eligible |
| Trading Combine (XFA Consistency) | 150K | $4,500 · End-of-day trailing | $3,000 (optional — only if added at purchase) | whenever eligible |
| Labs $50K Static Combine (XFA Standard) | 50K | $2,000 · Static (does not move) | $1,000 | whenever eligible |
| Labs $50K Static Combine (XFA Consistency) | 50K | $2,000 · Static (does not move) | $1,000 | whenever eligible |
| Labs $25K Static Combine (XFA Standard) | 25K | $1,000 · Static (does not move) | $500 | whenever eligible |
| Labs $25K Static Combine (XFA Consistency) | 25K | $1,000 · Static (does not move) | $500 | whenever eligible |
| Labs $250K Freedom Combine (XFA Standard) | 250K | $10,000 · End-of-day trailing | $5,000 | whenever eligible |
As of 2026-10-03.
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Topstep scaling plan
On the funded account the number of contracts allowed grows with the profit in the account; the limit for a session is set by the balance at the start of that session.
Trading Combine (XFA Standard) 50K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 2 |
| $1,500 – $2,000 | 3 |
| $2,000+ | 5 |
Trading Combine (XFA Consistency) 50K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 2 |
| $1,500 – $2,000 | 3 |
| $2,000+ | 5 |
Trading Combine (XFA Standard) 100K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 3 |
| $1,500 – $2,000 | 4 |
| $2,000 – $3,000 | 5 |
| $3,000+ | 10 |
Trading Combine (XFA Consistency) 100K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 3 |
| $1,500 – $2,000 | 4 |
| $2,000 – $3,000 | 5 |
| $3,000+ | 10 |
Trading Combine (XFA Standard) 150K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 3 |
| $1,500 – $2,000 | 4 |
| $2,000 – $3,000 | 5 |
| $3,000 – $4,500 | 10 |
| $4,500+ | 15 |
Trading Combine (XFA Consistency) 150K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 3 |
| $1,500 – $2,000 | 4 |
| $2,000 – $3,000 | 5 |
| $3,000 – $4,500 | 10 |
| $4,500+ | 15 |
Labs $250K Freedom Combine (XFA Standard) 250K
| Funded account profit | Maximum contracts (minis) |
|---|---|
| Up to $1,500 | 3 |
| $1,500 – $2,000 | 4 |
| $2,000 – $3,000 | 5 |
| $3,000 – $4,500 | 10 |
| $4,500 – $6,000 | 15 |
| $6,000 – $8,000 | 20 |
| $8,000+ | 25 |
As of 2026-10-03.
Getting to the funded account
A Topstep funded account starts with passing the evaluation. As of Nov 1, 2026, strategies in the PropPass directory recorded 7 live passes and 0 fails on Topstep evaluations, with a median of 2 trading days per pass.
Recorded live on a virtual evaluation account. Finished evaluations only; the directory records evaluations, not funded-account payouts.
How PropPass works: PropPass strategies run on your own NinjaTrader, or you can follow a strategy's alerts by web, Telegram, SMS or app push notification.
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Questions traders ask
What are the Topstep funded account rules?
On the Trading Combine (XFA Standard) 100K funded account the maximum loss is $3,000 (end-of-day trailing) and the daily loss limit is $2,000 (optional — only if added at purchase). (As of 2026-10-03.)
How do Topstep payouts work?
On the Trading Combine (XFA Standard) 100K funded account the trader keeps 90% of profit; the minimum payout is $125, the maximum per payout is 50% of profit, up to $3,000 ($6,000 with the daily loss limit added at purchase), and 5 days of $150+ profit are needed before a payout. (As of 2026-10-03.)
How does the Topstep scaling plan work?
On the Trading Combine (XFA Standard) 50K funded account the contract limit steps up from 2 to 5 minis as profit grows (thresholds in the table above). (As of 2026-10-03.)
More questions traders ask
What is the Topstep profit split?
90% to the trader on every Topstep funded plan (as of 2026-10-03).
What are the Topstep withdrawal rules?
Each payout needs 5 days of $150+ profit on the Trading Combine (XFA Standard) path; payout consistency: none. Timing: whenever eligible. (As of 2026-10-03.)
How many strategies have passed Topstep evaluations live?
As of Nov 1, 2026, 4 strategies in the PropPass directory have passed Topstep evaluations live: 7 passes and 0 fails across 5 packages. Every result is a finished evaluation recorded live on a virtual evaluation account.