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Topstep payout rules
Current funded-account payout rules for Topstep, compiled from the official help center. Last checked 2026-10-16. Values marked derived are simple arithmetic on official numbers; unverified means we could not confirm it on an official page.
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Express Funded Account – Standard path
Current
| Rule | $50K | $100K | $150K | Source |
|---|---|---|---|---|
| Drawdown type | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) | source | ||
| Profit split | 90% to trader | source | ||
| Payout frequency | After every 5 winning days of $150+ | source | ||
| Starting balance | $0 (sim funded balance; $50,000 plan) | $0 (sim funded balance; $100,000 plan) | $0 (sim funded balance; $150,000 plan) | — |
| Max drawdown | $2,000 | $3,000 | $4,500 | source |
| Qualifying days per cycle | 5 days with at least $150 profit | 5 days with at least $150 profit | 5 days with at least $150 profit | source |
| Net positive since last payout | Required from payout 2 | Required from payout 2 | Required from payout 2 | source |
| Payout size limit (% of profit) | 50% of total profit | 50% of total profit | 50% of total profit | source |
| Minimum payout | $125 | $125 | $125 | source |
| Maximum payout per request | $2,000 | $3,000 | $5,000 | source |
- Minimum payout $125. Request up to 50% of the account balance, up to the per-size cap. source
- The trading day on which you request a payout does not count toward the next cycle (trading day runs 5:00 PM CT to 3:10 PM CT). source
- Payout 2+: you must have earned at least $0.01 since the last payout. The first payout is exempt. source
- Payout path cannot be changed after selection. source
- Traders who joined the new Topstep dashboard before 2026-01-12 receive 100% of their first $10,000 in lifetime profits (per trader, not modelled per account). source
- The XFA rules page quotes generic caps of $5,000 (Standard) / $6,000 (Consistency); the help center gives per-size caps, which the engine uses. source
Express Funded Account – Consistency path
Current
| Rule | $50K | $100K | $150K | Source |
|---|---|---|---|---|
| Drawdown type | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) | source | ||
| Profit split | 90% to trader | source | ||
| Payout frequency | After as few as 3 trading days if the 40% target is met | source | ||
| Starting balance | $0 (sim funded balance; $50,000 plan) | $0 (sim funded balance; $100,000 plan) | $0 (sim funded balance; $150,000 plan) | — |
| Max drawdown | $2,000 | $3,000 | $4,500 | source |
| Trading days per cycle | 3 days traded | 3 days traded | 3 days traded | source |
| Consistency rule | Largest day ≤ 40% of profit this cycle | Largest day ≤ 40% of profit this cycle | Largest day ≤ 40% of profit this cycle | source |
| Payout size limit (% of profit) | 50% of total profit | 50% of total profit | 50% of total profit | source |
| Minimum payout | $125 | $125 | $125 | source |
| Maximum payout per request | $3,000 | $4,000 | $6,000 | source |
- Minimum payout $125. Request up to 50% of the account balance, up to the per-size cap. source
- The trading day on which you request a payout does not count toward the next cycle (trading day runs 5:00 PM CT to 3:10 PM CT). source
- Largest single day must be 40% or below of total net profit in the window (not rounded). Window resets after each payout. source
- Payout path cannot be changed after selection. source
- Traders who joined the new Topstep dashboard before 2026-01-12 receive 100% of their first $10,000 in lifetime profits (per trader, not modelled per account). source
- The XFA rules page quotes generic caps of $5,000 (Standard) / $6,000 (Consistency); the help center gives per-size caps, which the engine uses. source
Express Funded Account – Standard path (DLL added at Combine checkout)
Combine bought on/after 2026-06-02 3:30 PM CT with a Daily Loss Limit added at checkout (limited-time offer)
| Rule | $50K | $100K | $150K | Source |
|---|---|---|---|---|
| Drawdown type | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) | source | ||
| Profit split | 90% to trader | source | ||
| Payout frequency | After every 5 winning days of $150+ | source | ||
| Starting balance | $0 (sim funded balance; $50,000 plan) | $0 (sim funded balance; $100,000 plan) | $0 (sim funded balance; $150,000 plan) | — |
| Max drawdown | $2,000 | $3,000 | $4,500 | source |
| Qualifying days per cycle | 5 days with at least $150 profit | 5 days with at least $150 profit | 5 days with at least $150 profit | source |
| Net positive since last payout | Required from payout 2 | Required from payout 2 | Required from payout 2 | source |
| Payout size limit (% of profit) | 50% of total profit | 50% of total profit | 50% of total profit | source |
| Minimum payout | $125 | $125 | $125 | source |
| Maximum payout per request | $4,000 | $6,000 | $10,000 | source |
- Minimum payout $125. Request up to 50% of the account balance, up to the per-size cap. source
- The trading day on which you request a payout does not count toward the next cycle (trading day runs 5:00 PM CT to 3:10 PM CT). source
- Payout 2+: you must have earned at least $0.01 since the last payout. The first payout is exempt. source
- Payout path cannot be changed after selection. source
- Traders who joined the new Topstep dashboard before 2026-01-12 receive 100% of their first $10,000 in lifetime profits (per trader, not modelled per account). source
- The XFA rules page quotes generic caps of $5,000 (Standard) / $6,000 (Consistency); the help center gives per-size caps, which the engine uses. source
Express Funded Account – Consistency path (DLL added at Combine checkout)
Combine bought on/after 2026-06-02 3:30 PM CT with a Daily Loss Limit added at checkout (limited-time offer)
| Rule | $50K | $100K | $150K | Source |
|---|---|---|---|---|
| Drawdown type | Maximum Loss Limit based on highest end-of-day balance; XFA starts at $0 and the MLL locks at $0 (resets to $0 after the first payout) | source | ||
| Profit split | 90% to trader | source | ||
| Payout frequency | After as few as 3 trading days if the 40% target is met | source | ||
| Starting balance | $0 (sim funded balance; $50,000 plan) | $0 (sim funded balance; $100,000 plan) | $0 (sim funded balance; $150,000 plan) | — |
| Max drawdown | $2,000 | $3,000 | $4,500 | source |
| Trading days per cycle | 3 days traded | 3 days traded | 3 days traded | source |
| Consistency rule | Largest day ≤ 40% of profit this cycle | Largest day ≤ 40% of profit this cycle | Largest day ≤ 40% of profit this cycle | source |
| Payout size limit (% of profit) | 50% of total profit | 50% of total profit | 50% of total profit | source |
| Minimum payout | $125 | $125 | $125 | source |
| Maximum payout per request | $6,000 | $8,000 | $12,000 | source |
- Minimum payout $125. Request up to 50% of the account balance, up to the per-size cap. source
- The trading day on which you request a payout does not count toward the next cycle (trading day runs 5:00 PM CT to 3:10 PM CT). source
- Largest single day must be 40% or below of total net profit in the window (not rounded). Window resets after each payout. source
- Payout path cannot be changed after selection. source
- Traders who joined the new Topstep dashboard before 2026-01-12 receive 100% of their first $10,000 in lifetime profits (per trader, not modelled per account). source
- The XFA rules page quotes generic caps of $5,000 (Standard) / $6,000 (Consistency); the help center gives per-size caps, which the engine uses. source
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Not financial advice. Verify with your firm. FundedPayday is an independent, free tool and is not affiliated with any prop firm. Rules are compiled from each firm's official help center (last checked 2026-10-16) and can change without notice; the firm's own dashboard and agreement always win. Some links may become affiliate links in the future. See our disclosure.