Topstep Review

Our Take on Topstep Funded Accounts

Topstep scored 83/100 in our 2026 testing, placing 3rd on our list of the 10 best futures prop firms. While FXIFY Futures and FundedNext Futures ranked higher due to lower fees and faster scaling, Topstep is still a solid choice thanks to its reputation, wide platform selection, and futures-only focus. Its evaluation has no time limits, and funded traders earn a 100% profit split on the first $10,000, then 90% after that.

Monthly data fees in the Live Funded Account can add to your costs and dropped the firms overall rating a few points, but Topstep’s score reflects its clear rules, consistent payout model, and platform flexibility.

Topstep Pros and Cons

Pros

  • 100% profit split on first $10K
  • Commission free (TopstepX)
  • Profit withdrawals processed daily
Cons

  • $150K in maximum funding
  • $99 monthly fee for NinjaTrader
  • Only futures markets available

FAQs

FXIFY Futures is the best futures prop firm based on our firsthand testing, scoring 88/100. FundedNext Futures and Topstep tied for second and third place with 83/100 each. We reviewed over a dozen futures prop firms, comparing key factors like payout structure, platform access, challenge flexibility, and overall value. FXIFY Futures stood out with no time limits, profit splits up to 100%, and no recurring fees after funding.

A proprietary trading firm, aka prop firm, is a company that funds traders with its own capital, allowing them to trade financial markets without risking personal funds. In return, the firm takes a portion of the trader’s profits, typically through a profit split.

These firms often evaluate traders through challenges or trials, focusing on risk management and consistent profitability.

To get funded by Topstep, traders must pass the Trading Combine, meeting profit targets and staying within risk limits. For a $50K account, the profit target is $3,000, and the maximum loss limit is $2,000.

Futures traders must also demonstrate consistency, ensuring profits are not overly concentrated in one day. After passing the Combine, traders move to an Express Funded Account, where they must complete five profitable trading days to qualify for the Live Funded Account.

To pass the TopStep Trading Combine, traders must meet specific profit targets while staying within risk limits. For a $50K account, the profit target is $3,000, while for a $100K account, it’s $6,000.

Traders must also avoid exceeding the maximum loss limit (e.g., $2,000 for a $50K account).

Additionally, traders must demonstrate consistent performance by ensuring no more than 50% of profits come from one trading day.

Topstep traders can make 100% of their first $10,000 in profits, then 90% on all earnings after that. This profit split is competitive, especially for futures traders. Earnings depend on account size, trading performance, and risk management.

For example, with a $50K account, traders must hit a $3,000 profit target. Topstep’s structure allows consistent traders to potentially earn substantial profits if they can meet the platform’s risk and profit targets.

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About PropFirms

At PropFirms, our goal is to help traders find the best prop trading firms tailored to their needs. We evaluate firms across multiple categories including profit payouts, account costs, leverage, and the number of funding steps involved.

Our team conducts in-depth testing of trading platforms and tools, analyzing factors such as pricing, the evaluation process, and payment structures.

Our methodology also assesses at the range of available markets, customer support, and the firm’s overall reputation in the trading community.