The short version
- You keep 90% of profits. The minimum payout is $125. Traders who joined the new Topstep dashboard before Jan 12, 2026 keep 100% of their first $10,000.
- In the Express Funded Account you pick a payout path: Standard needs 5 winning days of $150 or more, and Consistency needs 3 trading days with your best day at or under 40% of profit.
- Each Express Funded payout is up to 50% of your balance, capped at $2,000 to $6,000 depending on size and path. The cap doubles if you added a Daily Loss Limit when you bought the Combine.
- In the Trading Combine, your best day must stay at or under 55% of your total profit, or your profit target goes up.
- Live Funded payouts have no cap, and you can take a payout every day once you have 30 winning days in the Live account.
Express Funded payout paths
When you activate an Express Funded Account (XFA), you choose one of two payout paths. Both pay 90/10.
| Path | To request a payout | Each payout |
|---|---|---|
| Standard | 5 winning days of $150+ net P&L (they don't need to be in a row), and net profit since your last payout. Your first payout is exempt from the profit check. | 50% of balance, up to the cap |
| Consistency | 3 trading days with at least 1 trade each, and your largest day at or under 40% of total net profit. | 50% of balance, up to the cap |
A day locks in at 4:00 PM CT. The day you request a payout doesn't count toward the next cycle. After each payout your Maximum Loss Limit moves to $0 for good, and the day count starts again.
Payout caps per request
| Size | Standard | Consistency |
|---|---|---|
| 50K | $2,000 $4,000 with DLL | $3,000 $6,000 with DLL |
| 100K | $3,000 $6,000 with DLL | $4,000 $8,000 with DLL |
| 150K | $5,000 $10,000 with DLL | $6,000 $12,000 with DLL |
The higher caps only apply if you added a Daily Loss Limit (DLL) at checkout when you bought the Trading Combine. Topstep calls this a limited-time offer that started June 2 and hasn't given an end date. Adding a DLL later, when you activate the XFA, doesn't unlock it. Live Funded payouts have no cap.
The two consistency rules
Trading Combine: 55%. Your best day divided by your total profit must be at or under 55%. Go over it and your profit target rises to best day ÷ 0.55. A losing day doesn't reset your best day, and each day locks at 3:10 PM CT. You can pass in as few as 2 days.
| Size | Profit target | Keep your best day under |
|---|---|---|
| 50K | $3,000 | $1,650 |
| 100K | $6,000 | $3,300 |
| 150K | $9,000 | $4,950 |
Example from Topstep: on a 50K Combine, an $1,800 best day ÷ 0.55 makes your target $3,273, so you need $3,273 without any day bigger than $1,800. Extra profit made on the same day just raises the best day, so the rest has to come on a later day.
Express Funded, Consistency path: 40%. Your largest day divided by your total net profit must be 40% or less to request a payout, and it isn't rounded. Topstep's example: $3,600 ÷ $9,500 = 37.9%, which qualifies. The count resets after each payout and starts again the trading day after your request.
Check your numbers
Works out the Topstep consistency math only. The firm's dashboard is the final word.
Live Funded Account
- 5 winning days of $150+ net P&L per payout cycle (not consecutive).
- Request up to 50% of your balance, with no dollar cap.
- Daily payouts unlock after 30 winning days of $150+ in the Live account. You can then request any amount of your unlocked balance once a day (minimum $125). Winning days from the XFA don't count toward the 30.
- Taking a 100% payout closes the Live account, because the balance reaches the Maximum Loss Limit.
Loss limit and position size
| Size | Maximum Loss Limit | Max contracts (Combine) |
|---|---|---|
| 50K | $2,000 | 5 (or 50 micros) |
| 100K | $3,000 | 10 (or 100 micros) |
| 150K | $4,500 | 15 (or 150 micros) |
Topstep suggests waiting until your Maximum Loss Limit has reached $0 before you start taking payouts. Micros and minis count 10 to 1 in the Combine and the XFA, but not in the Live account. See how trailing drawdown moves →
Payout methods and fees
| Method | Speed | Fee |
|---|---|---|
| Prop-to-brokerage US | Same day if requested by 12 PM CT | None |
| Aeropay US banks | Instant after approval | No Topstep fee |
| Wise China, Canada, UK | 1 to 3 business days | No Topstep fee |
| ACH US banks | 1 to 3 business days | $30 |
| Wire / SWIFT International | 5 to 10 business days | $30 |
Topstep's own example: a $500 ACH request pays $500 minus $50 (the 10% split) minus $30 (the fee) = $420. Approval can take 1 to 3 business days before the transfer starts.
Recent changes
Questions about Topstep rules
What are Topstep's payout rules?
Topstep pays a 90/10 split with a $125 minimum. In the Express Funded Account you need 5 winning days of $150 or more (Standard path) or 3 trading days with your best day at or under 40% of profit (Consistency path). Each payout is up to 50% of your balance, capped by account size. Live Funded payouts have no cap.
What is the Topstep consistency rule?
There are two. In the Trading Combine your best day must stay at or under 55% of your total profit, or your profit target goes up to best day divided by 0.55. On the Express Funded Consistency path your largest day must be 40% or less of your total net profit to request a payout.
How much can I withdraw from a Topstep Express Funded Account?
Up to 50% of your balance per payout, capped at $2,000, $3,000 or $5,000 on the Standard path and $3,000, $4,000 or $6,000 on the Consistency path for 50K, 100K and 150K accounts. The caps double if you added a Daily Loss Limit when you bought the Combine.
How long do Topstep payouts take?
Prop-to-brokerage is same day if requested by 12 PM CT, Aeropay is instant after approval, Wise and ACH take 1 to 3 business days, and wires take 5 to 10. Topstep says approval itself can take 1 to 3 business days.
Does Topstep charge payout fees?
ACH and wire payouts cost $30 each. Prop-to-brokerage has no fee, and Topstep charges no fee for Aeropay or Wise, though your bank may.
When do Topstep daily payouts unlock?
After 30 winning days of $150 or more in the Live Funded Account. Winning days from the Express Funded Account don't count.
Sources
Read on Topstep's own pages on Nov 3, 2026:
The firm's own page is the final word. Spot a difference? Email hello@propdesknews.com and we'll fix it.