Topstep Review 2026: Full Test, Pricing and Conditions

## Topstep in Brief Topstep is an American prop firm founded in Chicago, exclusively specialized in futures trading. Its positioning distinguishes it from traditional Forex prop firms: no CFDs, no currency pairs, only futures contracts on indices, commodities, and interest rates. With a Trustpilot rating of 3.6/5, Topstep targets futures traders who want access to capital without risking their own. ## Topstep Challenge Pricing Topstep offers monthly subscriptions rather than one-time fees: 1. **Trading Combine (evaluation)**: $49 to $199 per month depending on account size 2. **No activation fee**: $95 to $229 per month 3. **Available sizes**: $50,000, $100,000, $150,000 The subscription model means you pay as long as you have not passed. Once passed, you move to an Express Funded Account with no additional monthly fees. ## Challenge Rules and Conditions ### Profit Target The Phase 1 profit target is set at 6% of capital: $3,000 on a 50k account, $6,000 on 100k, and $9,000 on 150k. There is no time limit to reach this target, which is a major advantage for conservative traders. ### Daily Loss Limit The Daily Loss Limit is strict: 1. $1,000 on a 50k account (2% of capital) 2. $2,000 on a 100k account (2% of capital) 3. $3,000 on a 150k account (2% of capital) If you hit this limit, trading is closed for the day and the account is suspended until the next day. As long as you do not touch it, you can keep trading. ### Maximum Drawdown The Max Loss Limit is calculated at the End-of-Day (EOD), rather than intraday. This is one of Topstep's greatest advantages: your positions can temporarily be in drawdown as long as the closing balance remains above the threshold. 1. $2,000 on 50k 2. $3,000 on 100k 3. $4,500 on 150k ### Profit Split Topstep offers a very advantageous profit split: **100% of the first $10,000** of withdrawn profits are kept by the trader. Beyond that, the split moves to 90% in favor of the trader. ### Payout Schedule Withdrawals are available daily, processed within 5 business days, after at least 5 winning trading days of at least $200 each. ## Trading Platforms Topstep provides several recognized futures platforms: 1. **TopstepX**: proprietary platform, high-performance and included at no extra cost 2. **NinjaTrader**: the futures trading benchmark 3. **Tradovate**: modern web platform 4. **TradingView**: for technical analysis ## Scaling Plan Topstep applies a strict scaling plan: as your profits grow, you are authorized to trade more contracts simultaneously. This allows you to gradually scale position size without risking drawdown violations. ## Pros and Cons ### Pros 1. Maximum drawdown calculated at End-of-Day (EOD), more lenient than trailing intraday drawdown 2. 100% of the first $10,000 in profits kept by the trader 3. High-performance TopstepX proprietary platform included at no extra cost ### Cons 1. Strict and mandatory Daily Loss Limit 2. Only one main active funded account allowed at a time 3. Max Loss Limit resets to $0 after the first payout, reducing risk buffer ## Who is Topstep for? Topstep is ideal for experienced futures traders who want an end-of-day drawdown rather than intraday, and who value the 100% payout model on the first $10,000. However, the limit of a single active account and the strict Daily Loss Limit might frustrate highly active traders. If you prefer trading Forex, check our comparison at https://fundedtrader.fr or compare with other firms like Apex Trader Funding via https://fundedtrader.fr/blog/apex-trader-funding-vs-topstep-quelle-prop-firm-choisir-en-2026. To deepen your risk management skills in challenges, read https://fundedtrader.fr/blog/gestion-du-risque-combien-risquer-par-trade-en-challenge and https://fundedtrader.fr/blog/drawdown-journalier-vs-drawdown-total-comprendre-la-difference. Our guide on prop firm futures: https://fundedtrader.fr/blog/futures-en-prop-firm-comment-accelerer-vos-profits. Ready to get started? Compare all prop firms on https://fundedtrader.fr and choose the one that fits your trading style. ## Related Topstep Articles - [Top Trader Prime vs Topstep : quelle prop firm choisir en 2026 ?](https://fundedtrader.fr/blog/top-trader-prime-vs-topstep-quelle-prop-firm-choisir-en-2026) - [Apex Trader Funding vs Topstep : quelle prop firm choisir en 2026 ?](https://fundedtrader.fr/blog/apex-trader-funding-vs-topstep-quelle-prop-firm-choisir-en-2026)