Topstep Payout Rules, Explained
Rules verified 2026-07-13 · official source
Topstep pays out from the Express Funded Account (XFA) via TWO alternative paths — clear either one. STANDARD: 5 winning days of $150+ profit each. CONSISTENCY: trade at least 3 days with your largest winning day at 40% or less of total net profit. The split is 90/10 in your favor.
How Topstep payouts work
Topstep pays out from the Express Funded Account (XFA) via TWO alternative paths, and you only need to clear ONE. STANDARD: log 5 winning days of at least $150 profit each. CONSISTENCY: trade at least 3 days (one trade minimum per day) with your single largest winning day no more than 40% of your total net profit.
The split is 90/10 in your favor. Standard-path payouts are capped at 50% of your balance up to $5,000; Consistency-path payouts at 50% up to $6,000.
The Maximum Loss Limit still governs while you build toward a payout — it trails your end-of-day balance and locks at your starting balance, but it's monitored in real time on open P&L, so a large unrealized loss can breach it intraday.
| Term | Detail |
|---|---|
| Profit split | 90% to you / 10% to Topstep |
| Path A — Standard | 5 winning days of $150+ profit each |
| Path B — Consistency | Trade ≥3 days; largest winning day ÷ total net profit ≤ 40% |
| How the paths combine | Either qualifies — whichever you complete first |
| Payout caps | Standard: 50% of balance up to $5,000 · Consistency: 50% up to $6,000 |
Payout evidence
Every figure above is drawn from Topstep's own published payout terms (linked below, dated 2026-07-13). Where a dated third-party tracker or report touches Topstep's payouts, it's listed alongside as evidence — labeled primary or secondary honestly, and a secondary report is never treated as fact until a primary source confirms it.
TradersGuild reports what a firm publishes and what dated sources show — we don't audit payouts, hold your funds, or guarantee any trader's result. Confirm the current terms against the firm's own page before you rely on them; rules change, and this page updates when the registry does.
Recent Topstep rule changes
2026-07-13 — Confirmed the Trading Combine max-position caps (50K = 5 / 100K = 10 / 150K = 15 contracts, micros 10:1; not available on the Live Funded Account) and un-held the Express (XFA) payout paths: STANDARD = 5 winning days of $150+ each, OR CONSISTENCY = trade ≥3 days with the largest winning day ≤ 40% of total net profit. Payout caps $5,000 (Standard) / $6,000 (Consistency), 90/10 split.
2026-07-05 — Corrected the Maximum Loss Limit to end-of-day trailing (locks at your starting balance), and added the Combine's 50%-of-profit consistency rule (40% at the funded payout stage).
Sources & payout evidence
- Topstep's own published payout terms · checked 2026-07-13Primary source — the encoded terms above are verified against this page.
- Reported payout-cap reduction (~Apr 2026) · checked 2026-04Secondary — listed as evidence, not relied on until primary-confirmed.
FAQ
How do Topstep payouts work?
Through the Express Funded Account, via either 5 winning days of $150+ (Standard) or a ≤40% largest-day consistency ratio over ≥3 days (Consistency). You keep 90%. Caps are 50% of balance up to $5,000 (Standard) or $6,000 (Consistency).
What is the Topstep payout consistency rule?
On the Consistency payout path, your single largest winning day can't exceed 40% of your total net profit. It's an either/or alternative to the 5-winning-days Standard path, not an extra hurdle.
Is TradersGuild affiliated with Topstep?
No. TradersGuild is an independent rule tracker. These payout terms are quoted from Topstep's own documentation and cited — we don't process or guarantee payouts.
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