Topstep payout rules

Profit split, payout timing, request caps and payout methods for Topstep's Express Funded and Live accounts.

Profit split: 90/10
Minimum request: $125
XFA payout paths: 2
Live account caps: None

Rules checked on September 26, 2026 · Topstep's payout policy · By helloweekends Editors

Topstep payout rules turn on one choice: the payout path you pick when you activate an Express Funded Account (XFA). The Standard path pays after five winning days of $150 or more. The Consistency path pays after three trading days if no day tops 40% of net profit. New traders split profits 90/10. Topstep pays from its own funds under its terms and can change or pause payouts.

Payout rules by account

Split for traders who joined on or after January 12, 2026. The DLL offer is a limited-time offer from June 2, 2026. Source: Topstep Payout Policy, checked September 26, 2026.
Account	Split	When you can request	Minimum	Max per request	Max with DLL added at Combine purchase
XFA Standard $50K	90/10	After every 5 winning days of $150+	$125	50% of balance, up to $2,000	$4,000
XFA Standard $100K	90/10	After every 5 winning days of $150+	$125	50% of balance, up to $3,000	$6,000
XFA Standard $150K	90/10	After every 5 winning days of $150+	$125	50% of balance, up to $5,000	Doubles; exact figure not confirmed
XFA Consistency $50K	90/10	After 3 trading days within the 40% rule	$125	50% of balance, up to $3,000	$6,000
XFA Consistency $100K	90/10	After 3 trading days within the 40% rule	$125	50% of balance, up to $4,000	$8,000
XFA Consistency $150K	90/10	After 3 trading days within the 40% rule	$125	50% of balance, up to $6,000	$12,000
Live Funded Account	90/10	Every 5 winning days; daily after 30 winning days	$125	50% of balance, no dollar cap	No payout caps

Who gets which split

Traders who joined on or after January 12, 2026 split profits 90/10 from the first dollar: 90% to you, 10% to Topstep. Traders who joined the new Topstep dashboard before that date keep the older deal, 100% of their first $10,000 in lifetime profits and then 90/10. Fixed-payout Challenges, sold as limited Topstep Labs drops, pay a fixed amount with no split.

Your first Topstep payout, step by step

Pass the Trading Combine and activate an XFA. On the Combine's Standard Path activation costs $149; on the No Activation Fee Path it costs nothing.
Pick the Standard or Consistency path at activation. You cannot switch later.
Standard: log five winning days of $150 or more in net P&L. They do not have to be in a row, and the first payout is exempt from the rule that you must be profitable since your last payout.
Consistency: trade at least three days, with at least one trade each day, and keep your largest day at or below 40% of net profit.
Request at least $125 and no more than 50% of your balance, up to the cap in the table.
Choose a method: Prop-to-Brokerage (US only, same day if requested by 12 p.m. CT), Aeropay (US banks), Wise, ACH (US banks) or Wire/SWIFT. Topstep's ACH example shows a $30 processing fee.

After the first payout, Topstep sets the XFA's maximum loss limit to $0. If an XFA closes before its first payout, Back2Funded can reactivate it within 30 days of closure for $599, $699 or $829 by size, or $50 less if you added a DLL at purchase. The other account rules are on the Topstep rules page.

Worked example: a 50K XFA on each path

On the Standard path, a 50K XFA pays at most $2,000 per request, and only after five winning days of $150 or more. On the Consistency path the cap is $3,000 and three trading days are enough, but the 40% rule applies: with $3,000 of net profit in the window, no single day may bring more than $1,200. On either path a request can be no more than half of your balance. At 90/10, your share of $3,000 in profit is $2,700. Had you added a DLL at Combine purchase during the offer, the caps would be $4,000 and $6,000.

Live Funded Account payouts

The Live Funded Account has no payout caps. You can request up to 50% of your balance every five winning days, and after 30 winning days of $150 or more you can request daily from your unlocked balance. The DLL is mandatory in this account, the balance must stay above $0, and only Topstep's Risk Team can call a trader up to it.

Recent payout changes

January 12, 2026: new traders split 90/10 from the first dollar. It was 100% of the first $10,000 in lifetime profits, then 90/10.
February 11, 2026 (announced): the XFA Consistency path was added, with up to $6,000 per payout, next to the Standard path.
June 2, 2026: a limited-time offer doubles XFA payout caps when you add a DLL at Combine purchase.

Every dated change is in the rule change log. Topstep asks US persons for a W-9; for the basics, see how to file prop firm taxes. That page is general information, not tax advice.

Know the riskTopstep payouts come from Topstep's own funds under its terms, and Topstep can change or pause them. A Trading Combine is a paid service with simulated trading, and most people who buy one do not pass it. Not investment advice.

Questions

What is Topstep's profit split?

90/10 for traders who joined on or after January 12, 2026. Traders who joined the new dashboard before that date get 100% of their first $10,000 in lifetime profits, then 90/10.

How often can you request a Topstep payout?

On the XFA Standard path, after every five winning days of $150 or more. On the XFA Consistency path, after three trading days within the 40% rule. In the Live Funded Account, every five winning days, and daily after 30 winning days.

What is the minimum Topstep payout?

$125 on every XFA and on the Live Funded Account.

How much can you withdraw from a Topstep XFA?

Up to 50% of your balance per request, capped by size and path: $2,000 to $5,000 on the Standard path and $3,000 to $6,000 on the Consistency path. The limited-time DLL offer doubles those caps.

How does Topstep send payouts?

By Prop-to-Brokerage (US only), Aeropay, Wise, ACH or Wire/SWIFT. Topstep's ACH example shows a $30 processing fee.

Sources

All checked on September 26, 2026.