Topstep
Est. 2012 · Chicago, IL, USA · 1–2 business days payout · 4 platforms
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Claim OfferOur Verdict
The safe pick. You may find cheaper evaluations or higher headline splits elsewhere, but nobody matches Topstep's payout track record. If your priority is actually receiving the money you earn, Topstep belongs on your shortlist.
Pros
- Longest track record in the industry — operating since 2012
- Fast, well-documented payout history
- No daily loss limit or consistency rule during the Combine (VERIFY)
- EOD drawdown locks at breakeven — you can never lose the starting balance once reached
- 100% of first $10K in funded profits
Cons
- Funded payouts gate on 5 winning days of $200+ — slow for low-frequency traders
- $149 activation fee on funding (VERIFY)
- 50% best-day rule on payout requests can delay withdrawals (VERIFY)
- Combine fees are mid-pack once promos expire
About Topstep
Topstep effectively invented the futures evaluation model and has been funding traders since 2012. The Combine is straightforward — 6% target, EOD-trailing loss limit that locks at breakeven, no consistency rule — and the funded side is built around winning-day gates rather than payout ladders.
Topstep's Drawdown Explained
Topstep's Maximum Loss Limit is EOD-trailing: it rises with your end-of-day closing balance and stops trailing permanently once it reaches your starting balance. Intraday spikes never move it. This is one of the friendlier drawdown mechanics in the industry — the engine models the trail-lock exactly.
How the drawdown floor moves (50K example)
$50.0K
balance
$48.0K
floor
Day 1 Close
$51.0K
balance
$49.0K
floor
Day 2 Close
$52.3K
balance
$50.2K
floor
Day 3 Close
Drawdown floor only moves up at end of day. Intraday spikes don't affect it.
Account Options
| Account | Fee | Profit Target | Daily DD | Max DD | DD Type | Min Days | Split | |
|---|---|---|---|---|---|---|---|---|
| 50K CombineBest value | $49/mo | 6% | — | 4% | EOD | 2 | 100% of first $10K | Start Eval |
| 100K Combine | $99/mo | 6% | — | 3% | EOD | 2 | 100% of first $10K | Start Eval |
| 150K Combine | $149/mo | 6% | — | 3% | EOD | 2 | 100% of first $10K | Start Eval |
FluxEngine
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Frequently Asked Questions
Does Topstep have a consistency rule?
How fast are Topstep's payouts?
Can I use a trade copier with Topstep?
How does Topstep's drawdown actually work?
What platforms does Topstep support?
How Topstep Compares
Full comparison →Futures traders with consistent daily P&L distribution who trade frequently enough to exploit the 100% split on first $25K. EOD accounts suit traders whose intraday equity swings widely before settling.
From
$147/mo
Split
100%
Trust
76
Traders who want to choose their funded account structure: Growth for steady earners, Select Flex for swing traders, Lightning for experienced traders who want to skip eval
From
$69/mo
Split
90/10
Trust
82
Beginner to intermediate futures traders who want a straightforward evaluation and broad platform choice
From
$165/mo
Split
80/20
Trust
80
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Last updated: July 5, 2026
Trust Score
Highly trusted — strong track record
Quick Stats
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