Topstep Review & Live Pricing (November 2026)

You pay the monthly fee for as long as the Combine runs, so time spent trading the evaluation adds directly to cost. On Combine (Standard) (Monthly), an Express Funded activation fee follows once you pass; both No Activation Fee versions activate free. Resets cost 100% of the monthly price on every version, and the Standard version adds a monthly reset credit on rebill. The RTA version lists below the plain No Activation Fee version. The live price card above shows current amounts.

Rule gotchas

• End-of-day trail, real-time breach. The Max Loss Limit trails the end-of-day balance and never moves down, but a breach counts in real time with open losses included. It locks once it reaches the starting balance.
• 55% best-day cap. Your best day must stay at or below 55% of the profit target. A bigger day raises the target to best day divided by 0.55, and Topstep states a Combine cannot be passed in one day.
• Daily loss limit only with RTA. The No Activation Fee + RTA version adds a soft-breach daily loss limit equal to 2% of the account. The plain No Activation Fee version carries none, and the Standard version carries one only if RTA is switched on at checkout.
• Contract caps. Limits run from 5 minis or 50 micros on the smallest account to 15 minis or 150 micros on the largest.

Payout mechanics

Topstep pays a 90% split. You choose a payout path at Express Funded activation. The Consistency path needs 3 trading days with at least 1 trade each and a largest day at or below 40% of total net profit. The Standard path needs 5 winning days above a set profit threshold, not consecutive, plus positive net profit since the last payout. Each request can take up to 50% of the account balance, with a cap set by size and path; a daily loss limit added at Combine checkout doubles those caps under a limited offer running since 2 Jun 2026. Requests go in only during CME hours. After the first payout the Max Loss Limit resets to zero, so the remaining balance becomes the loss floor. On a Live Funded Account, requests run up to 50% of balance with no cap, and daily payouts open after 30 winning Live days.

What changed recently

• October 2026: Topstep opened four Labs accounts for purchase at any time.
• October 2026: Topstep Labs added two flat-payout challenges.
• September 2026: Topstep cut Combine pricing, added a third, larger size and improved the split to 90/10.

Who it fits

Futures traders who expect to pass inside a month or two and can keep their best day under the 55% cap. Traders who want firm daily guardrails and higher payout caps should pick the RTA version.