Topstep payout rules depend on the account and payout path you choose. Express Funded Account Standard, Express Funded Account Consistency and Live Funded Account each use different eligibility checks and caps.
This guide covers the current policy: qualifying days, the 40% consistency target, the 90/10 profit split, account-specific payout caps and what resets after a request. Always confirm the live figures in your Topstep dashboard before submitting.
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Quick summary: The current default split is 90/10. Standard requires 5 winning days of $150+ and, after the first request, positive net profit since the previous payout. Consistency requires 3 trading days and 40% consistency. Express Funded Account requests are limited to 50% of the account balance and the applicable cap. Live Funded Account payouts have no dollar cap. The 100% first-$10,000 treatment applies only to eligible legacy users who joined the new dashboard before January 12, 2026.
Topstep Payout Rules and Policy at a Glance
| Path | Eligibility | Request limit |
|---|---|---|
| XFA Standard | 5 winning days of $150+; after the first payout, positive net profit since the previous payout | 50% of balance, up to the account-size cap |
| XFA Consistency | 3 trading days with 40% consistency | 50% of balance, up to the account-size cap |
| Live Funded Account | 5 winning days of $150+ per payout cycle | 50% of balance with no dollar cap |
| Profit split | 90% to the trader and 10% to Topstep | |
| Minimum request | $125 | |
Choose Your Payout Path: Standard, Consistency or Live
- Earn an Express Funded Account. Pass the Trading Combine by meeting its profit and consistency objectives without hitting the Maximum Loss Limit.
- Select Standard or Consistency. Standard uses five $150+ winning days. After the first payout, Standard also requires at least $0.01 of positive net profit since the last payout; the first payout is exempt. Consistency uses three trading days and a 40% largest-day target.
- Meet the selected path. Follow the balance-based Scaling Plan and keep the account above its Maximum Loss Limit while the dashboard tracks eligibility.
- Request an eligible amount. Express Funded Account requests are limited to 50% of balance and the current cap. The dashboard shows the amount available before submission.
Topstep Profit Split: 90/10 and Legacy 100% Eligibility
The current default profit split is 90/10: the trader keeps 90% and Topstep keeps 10%.
Traders who joined the new Topstep dashboard before January 12, 2026 may retain a legacy exception that pays 100% of the first $10,000 in lifetime profits before the 90/10 split applies. It is not the default for newer users. Your dashboard is the source of truth for eligibility.
The 40% Consistency Target (Consistency Path Only)
On XFA Consistency, the largest single-day net profit must be 40% or less of total net profit in the current payout window. XFA Standard does not use this payout consistency target.
Example of a violation
Your funded account profit history:
- Day 1: +$300
- Day 2: +$300
- Day 3: +$400
- Total net profit: $1,000
The $400 day is 40% of $1,000, so it meets the target. A $450 largest day against $1,000 total net profit would be 45% and would not yet qualify.
How to fix it
Keep trading and add net profit until the largest day is 40% or less of the new total. The dashboard recalculates the percentage as the payout window changes.
Path distinction: The Trading Combine uses a separate 50% consistency target tied to its profit objective. The XFA Consistency payout path uses 40%. Do not mix the two calculations.
Topstep Payout Caps by Account Size and Path
Express Funded Account payout caps depend on both account size and path. Topstep currently lists a limited-time offer that doubles the cap for a qualifying new Trading Combine purchase when the trader adds a Daily Loss Limit at checkout. Adding a DLL later at XFA activation does not qualify.
| Account | Standard: base / qualifying DLL | Consistency: base / qualifying DLL |
|---|---|---|
| $50K | $2,000 / $4,000 | $3,000 / $6,000 |
| $100K | $3,000 / $6,000 | $4,000 / $8,000 |
| $150K | $5,000 / $10,000 | $6,000 / $12,000 |
Each XFA request is also limited to 50% of the account balance. Live Funded Account requests are limited to 50% of balance but have no dollar cap.
The DLL cap increase is time-limited. Check the official Topstep payout policy and the payout screen for the cap attached to your account before relying on these figures.
Request and Verification Requirements
Submit the request through the Topstep dashboard during the available payout window. The payout destination must be an account in your own name, and tax or identity documentation may be required.
The dashboard shows the available request amount, the selected payout method and any account-specific steps. Use that screen rather than assuming a transfer method or settlement time applies in every country.
Why a Topstep Payout May Not Be Eligible
1. The selected path is incomplete
Standard needs five $150+ winning days and, after the first payout, positive net profit since the prior request. Consistency needs three trading days and a largest winning day at or below 40% of total net profit.
2. The request exceeds the available amount
An XFA request cannot exceed 50% of balance or the cap for its account size and path.
3. The Maximum Loss Limit or Scaling Plan was breached
The account must remain active and follow its risk and position-size parameters.
4. The request needs compliance review
Topstep reviews payout-policy requirements, prohibited conduct, prohibited trading strategies and professional behavior before approval.
5. Verification is incomplete
Confirm tax, identity and bank details in the dashboard and ensure the payout account is in your name.
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Know your path
Do not apply the 40% Consistency calculation to a Standard account or the five-winning-day rule to a Consistency account.
Watch the dashboard
Track qualifying days, current balance, Scaling Plan tier, available request amount and the cap shown for the account.
Keep documentation current
Complete identity, tax and bank-account steps before requesting a payout.
What Resets After a Topstep Payout
After an XFA payout, the Maximum Loss Limit resets to $0 permanently. Standard restarts its five-winning-day count. Consistency restarts its three-day count and consistency calculation for the new payout window.
After a Live Funded Account payout, the five-winning-day count restarts. After 30 non-consecutive $150+ winning days in Live, daily payout access becomes available under the current policy.
Frequently Asked Questions
What are the Standard payout rules?
Complete five winning days with at least $150 net profit on each day, follow the Scaling Plan and remain above the Maximum Loss Limit. For every payout after the first, the account must also show at least $0.01 of positive net profit since the last payout. The first payout is exempt from that profit requirement.
What are the Consistency payout rules?
Trade at least three days and keep the largest winning day at or below 40% of total net profit for the payout window.
What is the Topstep profit split?
The current default is 90/10. The trader keeps 90%. The first-$10,000-at-100% treatment is limited to eligible legacy users who joined the new dashboard before January 12, 2026.
What is the maximum Topstep payout?
Base XFA caps range from $2,000 to $6,000 by account size and path. A current limited-time offer doubles the cap, up to $12,000, for qualifying new Trading Combine purchases that add a DLL at checkout. Each request remains limited to 50% of balance. Live Funded Account payouts have no dollar cap.
What is the minimum Topstep payout?
The current minimum request is $125, subject to account eligibility and available balance.
Bottom Line
Topstep's current policy has two XFA payout paths, a 90/10 default split and caps that depend on account size. Standard uses five $150+ winning days; Consistency uses three trading days and a 40% target. Live uses a separate cycle with no dollar cap.
Choose the correct path, follow the dashboard eligibility tracker and verify the live policy before every request.
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