Topstep Rules 2026: Drawdown, Daily Loss, Consistency & Payout

Evaluation rules for every Topstep model currently listed. Each value below carries its own source link, retrieval date and evidence state— whether we have the firm's literal wording for it, or only a checked page, or nothing at all. Hover a value to see the quote. Rules change — treat this as a dated snapshot and confirm anything material against Topstep's current terms before acting on it.

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Trading Combine → Express Funded (1-Step)

Drawdown type	end-of-day trailing (Maximum Loss Limit, monitored in real time against unrealized P&L) source → quoted retrieved Sep 1, 2026
Drawdown %	3.0% (100K: $3,000 of $100,000) source → quoted retrieved Sep 1, 2026
Daily loss limit	optional, 100K: $2,000 (only if activated at purchase/reactivation) source → quoted retrieved Sep 1, 2026
Profit target	6.0% (100K: $6,000 of $100,000) source → quoted retrieved Sep 1, 2026
Minimum trading days	Combine: no fixed minimum (effectively ≥2 days due to the consistency rule); XFA Standard payout: 5 profit days; XFA Consistency payout: 3 trading days source → quoted retrieved Sep 1, 2026
Consistency rule	Combine: 50% best-day; XFA Standard path: no consistency requirement source → quoted retrieved Sep 1, 2026
Profit split	90/10 (trader keeps 90%) source → quoted retrieved Sep 1, 2026
Evaluation fee	100K Standard Path: $99/month (subscription, until passing/cancellation); No-Activation-Fee Path: $149/month source → quoted retrieved Sep 1, 2026
Activation fee	$149 (Standard Path only, one-time per XFA reached); $0 on the No-Activation-Fee Path source → quoted retrieved Sep 1, 2026
Reset fee	= purchase price of the Trading Combine (100K Standard $99 / No-Activation-Fee $149) source → quoted retrieved Sep 1, 2026
Payout frequency	on demand once eligibility is met; LFA daily after 30 profitable days source → quoted retrieved Sep 1, 2026
Payout cap	100K XFA Standard: $3,000/request; 100K XFA Consistency: $4,000/request; LFA: no cap source → quoted retrieved Sep 1, 2026
Minimum payout	$125 source → quoted retrieved Sep 1, 2026
Contract limit	100K: 10 contracts (100 micros) source → quoted retrieved Sep 1, 2026
News-trading rule	— source → not found retrieved Sep 1, 2026
Overnight-holding rule	no swing trading/overnight positions allowed, mandatory daily flat at 3:10 PM CT source → quoted retrieved Sep 1, 2026
Max accounts	XFA: up to 5 active Express Funded Accounts at a time; Trading Combines: unlimited (one profile required) source → quoted retrieved Sep 1, 2026
Last rule change	Payout cap doubles with the DLL add-on purchase, from Tuesday, June 2 (Limited Time Offering) source → quoted retrieved Sep 1, 2026

Marketing vs. rule book

Page says: The sales page/product name advertises a '$50K/$100K/$150K Express Funded Account' — suggesting a starting balance of that amount.

Rules say: The XFA account balance actually starts at $0. The 50K/100K/150K figure denotes only the buying power/contract limits, not the starting capital — the FAQ explicitly confirms that many traders are confused about this.

retrieved Sep 1, 2026

“Why does my XFA show a $0 balance? This is expected. Your buying power is still the full account size (50K, 100K, or 150K). Your balance grows as you earn profits.”

Page says: The central marketing claim is the 90/10 profit split ('you keep 90%').

Rules say: The 90% share applies only up to fixed dollar caps per payout request (e.g. 100K Standard only $3,000, Consistency $4,000) — regardless of the actual account balance, the remainder stays in the account and must be requested again.

retrieved Sep 1, 2026

“Max Payout per request: 50% of your account balance up to the cap below. ... $100K | $3,000 | $4,000”

Rule pages for Topstep

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