Last verified: 26 August 2026 — read from Topstep’s own payout policy on that date.
Topstep pays a 90/10 split with a $125 minimum, and you request payouts from a funded account — not from the Trading Combine. On an Express Funded Account you can take 50% of your balance up to a size-based cap; Live Funded Account payouts are not capped.
The consequence that deserves more attention than the caps: Topstep states that after each payout your Maximum Loss Limit resets to $0 permanently and your 5-day count restarts. Taking a payout permanently removes your drawdown buffer, so every payout is also a risk decision, not just a cash-out.
The two payout paths on an Express Funded Account
| Standard path | Consistency path | |
|---|---|---|
| Requirement | 5 winning days of $150+ net P&L | 3 trading days with consistency at or below 40% |
| Request | 50% of account balance | 50% of account balance |
| 50K cap | $2,000 | $3,000 |
| 100K cap | $3,000 | $4,000 |
| 150K cap | $5,000 | $6,000 |
| Split | 90/10 | 90/10 |
The Consistency path pays more for fewer days, but only if your profit is spread out. If one session carries more than 40% of your total profit you fall back to the Standard path. Topstep resets the consistency calculation to $0 after each payout request.
Payout basics
| Terms | |
|---|---|
| Minimum payout | $125 |
| Profit split | 90/10 in the trader’s favour |
| Where | Express Funded Account or Live Funded Account, via the Topstep dashboard |
| When | CME market hours: Sunday 5 PM CT to Friday 5 PM CT, excluding holidays |
| After each payout | Maximum Loss Limit resets to $0 permanently; the 5-day count restarts |
| Max simultaneous funded accounts | 5 |
Payout methods and fees
Three of the five methods are free; two cost $30.
| Method | Speed | Fee | Notes |
|---|---|---|---|
| Prop to brokerage | Same day | $0 | US only |
| Aeropay | Instant after approval | $0 | |
| Wise | 1–3 business days | $0 | |
| ACH | 1–3 business days | $30 | |
| Wire / SWIFT | 5–10 business days | $30 |
Express Funded vs Live Funded
The Express Funded Account is capped; the Live Funded Account is not. Topstep positions the XFA as the stage you pass through rather than settle in.
- Express Funded (XFA): starts at a $0 balance that grows from your trading profits; payout caps by size and path; the same trailing Maximum Loss Limit as your Combine tier, which locks at $0 once reached and stays there permanently after a payout.
- Live Funded (LFA): no payout cap. 20% of combined XFA balances is available immediately, with 80% held in Reserve and unlocked in four 25% increments as profit targets are met. Payouts come only from the unlocked balance, never from Reserve.
- 30 winning days in a Live Funded Account unlocks daily access to up to 100% of profits.
- Legacy promo: dashboards created before 12 January 2026 keep 100% of the first $10,000 in lifetime profits, then revert to 90/10.
Common questions
What are Topstep’s payout rules?
Payouts are requested from an Express Funded Account (XFA) or a Live Funded Account (LFA), with a $125 minimum and a 90/10 split in the trader’s favour. On the XFA there are two qualifying paths: the Standard path needs 5 winning days of $150+ net P&L, and the Consistency path needs 3 trading days with a consistency figure at or below 40%. You can request 50% of your account balance up to a cap that depends on account size and path. Live Funded Account payouts are not capped. Verified 26 August 2026 from Topstep’s own payout policy.
Can you get a payout from the Trading Combine?
No. The Trading Combine is the evaluation stage — you request payouts from a funded account, not from the Combine. Passing the Combine moves you to an Express Funded Account, and that is the first point at which you can request a payout, subject to the 5-winning-day or consistency path and the $125 minimum.
Do payouts affect the Maximum Loss Limit at Topstep?
Yes, and significantly. Topstep’s own wording is that after each payout your Maximum Loss Limit resets to $0 permanently, and your 5-day count restarts. That means once you have taken a payout, the account can no longer draw down below its starting balance — your buffer is gone for good, and any further loss below $0 closes the account.
What is Topstep’s minimum payout?
$125. Payout requests can be made during CME market hours, Sunday 5 PM CT through Friday 5 PM CT, excluding holidays.
What is the maximum Topstep payout per request?
50% of your account balance, up to a cap set by account size and path. On the Standard path the caps are $2,000 (50K), $3,000 (100K) and $5,000 (150K). On the Consistency path they are $3,000 (50K), $4,000 (100K) and $6,000 (150K). Those caps apply to Express Funded Accounts only — Live Funded Account payouts are not capped.
What is the difference between Topstep’s Standard and Consistency payout paths?
The Standard path requires 5 winning days of $150+ net P&L. The Consistency path requires only 3 trading days, but your consistency figure — your largest single-day net profit divided by total net profit — must be at or below 40%. The Consistency path carries higher payout caps ($3,000/$4,000/$6,000 versus $2,000/$3,000/$5,000), so it rewards spreading profit across days rather than relying on one big session.
Are Live Funded Account payouts capped at Topstep?
No. Payout caps apply to Express Funded Accounts only; Live Funded Account payouts have no dollar cap. Topstep also states that stacking 30 winning days in a Live Funded Account unlocks daily access to up to 100% of your profits.
How does Topstep pay you and what are the fees?
Five methods, and the fee difference is real: prop-to-brokerage transfer is same-day and free but US only; Aeropay is instant after approval and free; Wise takes 1-3 business days and is free; ACH takes 1-3 business days and costs $30; and wire/SWIFT takes 5-10 business days and costs $30. If you are US-based and choosing between free same-day and a $30 wire, that is a straightforward decision.
Do you keep 100% of profits at Topstep?
Only in two specific situations. Traders whose dashboards were created before 12 January 2026 keep 100% of their first $10,000 in lifetime profits, after which the standard 90/10 split applies. Separately, 30 winning days in a Live Funded Account unlocks daily access to up to 100% of profits. Otherwise the split is 90/10 in the trader’s favour.
Do you have to pay the Topstep subscription again after a payout?
Taking a payout does not itself restart the Trading Combine or trigger a new purchase — payouts happen in the funded account. The monthly Combine subscription applies while you are in the evaluation stage. What a payout does change is your risk buffer: the Maximum Loss Limit resets to $0 permanently, so there is no drawdown room left below your starting balance.
Source: Topstep’s payout policy, read 26 August 2026. See also our Topstep profile, the 10-firm comparison and our methodology.