Verified 2026-08-24 · from TopStep's own pages
Every number below was read from TopStep's own site or help center on the date above — no hearsay, no stale YouTube reviews. Fields we couldn't verify from an official page are shown as unverified rather than guessed, because a wrong drawdown number is worse than a missing one.
Payouts: 90/10 split, $125 minimum. XFA Standard path: 5 winning days of $150+ AND positive net since the last payout, then up to 50% of balance per request, capped by size ($2,000/$3,000/$5,000). XFA Consistency path: 3 trading days with best day ≤40% of net profit, higher caps ($3,000/$4,000/$6,000). Live Funded: 5 winning days per cycle, 50% of balance with no dollar cap; 30 LFA winning days unlock daily payouts.
Monthly fees shown are the standard path; a no-activation-fee path costs more per month ($95/$149/$229) and drops the $149 XFA activation. Reset costs one month. TopstepX is the only platform — external platforms were retired. Payout caps were CUT on 2026-04-28 for new accounts (older accounts keep their original caps — the table reflects post-cut accounts); traders funded before 2026-01-12 keep 100% of their first $10K lifetime, newer traders are 90/10 from the first dollar.
| Size | Eval fee | Activation | Target | Drawdown | Drawdown behavior | Daily loss | Max contracts |
|---|---|---|---|---|---|---|---|
| $50,000 | $49/mo | $149 | $3,000 | $2,000 | trails end-of-day, enforced live — locks permanently at starting balance | $1,000 | 5 minis / 50 micros |
| $100,000 | $99/mo | $149 | $6,000 | $3,000 | trails end-of-day, enforced live — locks permanently at starting balance | $2,000 | 10 minis / 100 micros |
| $150,000 | $199/mo | $149 | $9,000 | $4,500 | trails end-of-day, enforced live — locks permanently at starting balance | $3,000 | 15 minis / 150 micros |
When a trailing threshold updates (end-of-day vs live with your peak) and when it's enforcedare different axes — several firms move the line once a day but still fail the account the moment you touch it intraday. A single "trailing drawdown" label can't express that, and it's exactly the distinction that decides whether you can hold through a pullback.
Sources: help.topstep.com · help.topstep.com · www.topstep.com. Firms change rules mid-year — if something here is out of date, tell us. TopStep is a trademark of its owner; Firmtrack is independent and unaffiliated — firm names are used descriptively.
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