TopStep

TopStep

Develop skills, earn funding, and trade futures without risking your own capital.

#8 dans Funded trading account
2 min read · Updated 10/5/2025
TopStep homepage screenshot

At a glance

Quick overview for TopStep: rating, pricing summary, key features, and highlights.

Ciroapp review

4.3
Structured path to funded futures trading.

We found that Topstep offers a highly structured evaluation process and impressive speed toward funded accounts, sometimes taking only two days. We appreciate the overwhelmingly positive user reports regarding customer service and rapid, reliable payouts. Overall, this is a top-tier option for serious futures traders seeking financial backing and extensive support.

Pros

  • Pro:Customer support is exceptionally responsive and highly rated by users.
  • Pro:Payouts are fast, reliable, and frequent (up to four times monthly).
  • Pro:The TopstepX platform is user-friendly and offers advanced trading tools.
  • Pro:Clear funding path with reasonable rules (Trading Combine).

Cons

  • Con:Ongoing monthly subscription fee required for the evaluation phase ($49–$149).
  • Con:A $149 one-time activation fee is required to open the Express Funded Account.
  • Con:Some users report that account resets can be costly.
Range: $49–$149/month (plus $149 one-time fee)Monthly subscription, One-time payment
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.

TopStep review, pricing, features, pros & cons

It can be frustrating when you know how to trade but lack the capital or consistent structure needed to succeed. Many traders struggle to build the necessary discipline to navigate the markets successfully. ✨ Topstep addresses this by offering the Trading Combine® program.

This structured process helps traders build better habits and skills while quickly evaluating them for funding. You can unlock an Express Funded Account in as little as two days.

What is TopStep?

Topstep has established itself as a reliable source, spending over 12 years funding futures traders. The platform serves dedicated individuals looking to elevate their trading through structure and evaluation. The core program, the Trading Combine®, operates under "1 Rule, 1 Goal": to build discipline and strong habits.

After passing the Combine, you transition to a Topstep Funded Trader™ and begin trading with the firm's capital, allowing you to keep your own funds safe. A major draw is the ability to pay yourself up to four times every month, making the financial incentives very clear. They have already delivered 81,177 payouts to traders in 2024. 💡

TopStep Key Features

✨ Clear Path to Express Funding

The core of the Topstep experience is the Trading Combine®. This structured program helps you develop better skills and stronger trading habits. The program follows one rule and one goal: build discipline while being evaluated for funding. You can unlock an Express Funded Account in as little as two days after demonstrating proficiency. You switch to trading with Topstep's capital, removing the need to risk your own money.

You select the account size that fits your ambition, choosing from three levels of buying power: $50k, $100k, or $150k. Each level includes specific requirements for the Profit Target and Maximum Position Size. The Maximum Loss Limit is dynamic, calculated daily based on your Account Balance High minus the Maximum Drawdown. Once you successfully pass the Combine, a simple one-time activation fee of $149 secures your Express Funded Account.

✨ TopstepX™: Exclusive Trading Technology

Trading efficiently requires reliable and specialized technology. TopstepX™ is the platform built specifically to meet the needs of proprietary firm traders. It is designed to immerse you fully in everything Topstep offers for a smooth trading journey and quick execution.

The platform includes several premium features unavailable elsewhere. You benefit from specialized Charts from The Tilt™ Indicator for better technical analysis. It also offers a built-in Trade Copier feature for enhanced strategy execution. All trading on the platform is commission-free, reducing transaction costs and maximizing your potential returns.

✨ Fast and Flexible Financial Rewards 💸

Once you achieve Funded Trader status, accessing your earnings becomes fast and simple. Topstep processes payouts every day, ensuring you receive your capital quickly. Funded Traders have the convenience of paying themselves up to four times each month. This frequent schedule rewards consistently performing traders.

The payout policy is straightforward and designed for simplicity. You only need to record five winning days where your net profit is over $150 to qualify for a payout. Additionally, successful traders can build multiple income streams. You can earn and take payouts from up to five Express Funded Accounts, expanding your overall management potential.

✨ Real-Time Performance Coaching

Continuous improvement is crucial for long-term trading success. Topstep supports your development through specialized, personalized coaching features, available to all traders. Coach T™ provides personalized statistics and targeted tips designed to help you analyze and improve your performance.

Your trading progress updates in real-time as you execute trades, giving you immediate feedback. This instant visibility helps maintain discipline and adjust strategies quickly. If you hit a setback during the Combine, you can easily earn a Reset with each rebill, applying it to any active evaluation account to keep progressing toward your goal.

✨ Comprehensive Community and Education

Never trade alone with Topstep's extensive community and educational resources. You can chat and connect with over 150,000 other traders, including professional Topstep coaches, in the active Discord Chatroom. Free Group Coaching sessions are offered daily via TopstepTV and the Discord community.

The expert Kick-Ass Trader Support team is ready to help via both call and chat options whenever you need assistance. Furthermore, TopstepTV™ streams comprehensive live trading coverage and market insights throughout the week. Broadcasts run Sunday through Friday, starting in the early morning, offering real-time market breakdowns and effective trading strategies taught by expert traders.

Use Cases

🧘 Building Discipline and Consistent Trading Habits

Many traders struggle with developing the consistency needed to succeed long-term. The Trading Combine® program focuses on structure, which is vital for building discipline. It operates under the core principle of '1 Rule, 1 Goal' to help shape your trading behavior.

By joining the Combine, you practice trading within clear limits, using simulated firm capital. This structure quickly evaluates your readiness for serious professional trading. It significantly lowers the stress associated with potential drawdowns since you are not risking your personal money.

🚀 Rapidly Accessing High-Level Trading Capital

Experienced traders often need substantial buying power to maximize profitable opportunities. Topstep allows you to prove your skill quickly, accessing large accounts when you need them most. You can earn an Express Funded Account in as little as two days after demonstrating proficiency in the Trading Combine.

Once funded, you can select an account size up to $150k buying power according to your goals. For growth and diversification, Topstep Funded Traders™ can manage up to five separate Express Funded Accounts. This feature provides multiple streams of earnings and growth opportunities.

💰 Ensuring Fast and Frequent Profit Access

Topstep understands that payouts need to be frequent and fast for serious participants. Funded Traders can pay themselves up to four times every month, providing reliable access to income. Payouts are processed daily, meaning you receive your earnings quickly after requesting them.

Qualifying for a payout is straightforward and simple. You only need five winning days where your net profit is greater than $150 to request a withdrawal. Topstep has already delivered over 81,000 payouts to traders this year.

💻 Utilizing Dedicated Proprietary Trading Technology

Proprietary traders need specialized tools that give them an edge in dynamic markets. The exclusive TopstepX™ platform is built specifically to meet these unique needs. It provides a seamless environment for futures trading.

This platform includes powerful features designed for better execution and analysis. You gain access to charts from The Tilt™ Indicator for rapid insight. TopstepX™ also integrates a built-in Trade Copier and offers fully commission-free trading for cost efficiency.

🤝 Connecting with a Professional Trading Network

Trading can feel isolating, but success often depends on coaching and community support. Topstep provides a robust framework for connection and learning. You can chat with over 150,000 traders in the active Discord Chatroom.

Expert guidance comes through free resources like TopstepTV™ and Group Coaching. TopstepTV streams live market coverage and insights throughout the week, helping you stay connected to the markets. You can also get personalized feedback through Coach T™, which offers statistics and tailored tips to improve your performance instantly.

♻️ Safely Recovering from Trading Imperfections

Even the best traders make mistakes or experience unexpected market moves. Since you use simulated capital during the Trading Combine, financial risk is minimized. Your maximum loss is clearly defined by your chosen account size.

If you reach the Maximum Loss Limit, you don't face permanent financial restrictions. Topstep offers a Reset Bank option. You earn a Reset with each monthly rebill, allowing you to restart the evaluation. This system promotes learning without risking your personal financial security.

Pricing Overview for TopStep

Pricing range
$49–$149/month (plus $149 one-time fee)
Pricing types
Monthly subscription, One-time payment

TopStep utilizes a monthly subscription model for its Trading Combine® evaluation program, designed to qualify traders for a funded account. Subscription costs range from $49 to $149 per month, depending on the desired level of buying power in the challenge.

Plans & Pricing

$50k Buying Power

Monthly$49
Trading Combine evaluation account
  • $3,000 Profit Target
  • 5 Contracts Maximum Position Size
  • $2,000 Maximum Loss Limit

$100k Buying Power

Monthly$99
Trading Combine evaluation account
  • $6,000 Profit Target
  • 10 Contracts Maximum Position Size
  • $3,000 Maximum Loss Limit

$150k Buying Power

Monthly$149
Trading Combine evaluation account
  • $9,000 Profit Target
  • 15 Contracts Maximum Position Size
  • $4,500 Maximum Loss Limit

TopStep costs between $49 and $149 per month with three plans: $50k Buying Power at $49/month, $100k Buying Power at $99/month, and $150k Buying Power at $149/month.

These plans represent the three account sizes available in the Trading Combine® evaluation. This monthly subscription fee locks in your price and continues until you become a Funded Trader or cancel the service.

$50k Buying Power (Popular)

Price: $49 per month Websites Supported: Not explicitly stated Best For: Traders seeking a popular introductory evaluation option. Refund Policy: Not explicitly stated Other Features:

  • $3,000 Profit Target
  • 5 Contracts Maximum Position Size
  • $2,000 Maximum Loss Limit

This popular option is designed for traders who are making an initial effort to earn funding. It offers a clear, manageable entry point to prove your trading skills with a lower monthly financial commitment.

$100k Buying Power (Select)

Price: $99 per month Websites Supported: Not explicitly stated Best For: Traders looking for greater capital and higher position limits. Refund Policy: Not explicitly stated Other Features:

  • $6,000 Profit Target
  • 10 Contracts Maximum Position Size
  • $3,000 Maximum Loss Limit

Moving up to the $100k Select tier gives you significantly more buying power and a larger profit target to achieve. This plan suits developing traders ready to manage more volume and risk during the evaluation process.

$150k Buying Power (Select)

Price: $149 per month Websites Supported: Not explicitly stated Best For: Experienced traders targeting maximum funding potential right away. Refund Policy: Not explicitly stated Other Features:

  • $9,000 Profit Target
  • 15 Contracts Maximum Position Size
  • $4,500 Maximum Loss Limit

The highest-tier Select plan provides the maximum starting parameters in the Trading Combine program. You should choose this plan if you are an established trader confident in quickly reaching the required $9,000 profit target and managing higher contract sizes.

The monthly subscription renews until you successfully achieve a Funded Account or cancel the service. TopStep states that once you pass the evaluation, you must also pay a one-time $149 Activation Fee for the Express Funded Account. While free trials are not mentioned, all traders benefit from free resources like Discord chats and expert guidance via TopstepTV™.

User Reviews

Topstep maintains a highly positive reputation across thousands of user reviews, reflected by their 4.3-star rating on Trustpilot. Users consistently praise the company’s commitment to trader success, often citing the exceptional speed and responsiveness of their customer support team. Support agents are frequently described as professional, kind, and quick to resolve billing or technical issues. Reliability is a major theme, with many traders emphasizing that payouts are always fast, reliable, and processed on time—a core benefit allowing funded traders to receive payments up to four times per month.

The proprietary TopstepX platform is also repeatedly noted for being user-friendly and feature-rich, including advanced charting and sentiment tools. While the majority sentiment is very positive regarding structure and rules, a few users did mention that the payout system can be slightly complicated to understand initially, and the cost of account resets or the $149 activation fee might be a barrier for some. Overall, Topstep is frequently called the best prop firm in the industry for setting clear rules and offering transparent funding opportunities. 🏆

What users say elsewhere

L. J.
· Trustpilot
5.0 / 5

I’ve traded funded accounts with several firms, and the customer service at TopStep is unmatched. They genuinely care about your success. Special shoutout to Julia who helped me resolve a complex account issue quickly.

T. R.
· Trustpilot
5.0 / 5

Never had any issues with this platform. Customer service has been good, and payouts always come quick and reliably. Any minor issues get fixed and compensated, showing great reliability.

No reviews yet.

Write a Review

Write a Review for TopStep
0/100 characters
0/2000 characters

Why use TopStep?

Choosing Topstep means committing to a structured program with comprehensive support designed for success. The speed of evaluation combined with frequent payouts makes this an excellent option for serious traders.

Why should you choose Topstep?

  • Clear Path to Funding: The Trading Combine® quickly evaluates your skills, allowing you to pass and earn funding in as little as two days. You don't risk your own money; you trade with their capital.
  • Fast and Frequent Payouts: Topstep processes payouts daily, meaning you can expect your earnings quickly. Funded traders can pay themselves up to four times per month, requiring only five winning days greater than $150 to qualify for a payout. ✅
  • Unmatched Community and Coaching: You benefit from personalized support via Coach T™, which provides stats and tips to improve performance. The community is robust, offering free Group Coaching, a lively Discord Chatroom with over 150k users, and comprehensive help from the Kick-Ass Trader Support team.
  • Top-Tier Technology: The exclusive TopstepX™ platform is built specifically for prop firm traders. It includes premium features like charts from The Tilt™ Indicator, a built-in Trade Copier, and commission-free trading.
  • Scalability: Once funded, traders can potentially manage up to five Express Funded Accounts, providing multiple streams of earnings and growth opportunities. They also offer three account sizes up to $150k buying power to match your individual trading goals.

This system provides proven education, continuous live market coverage via TopstepTV™, and excellent support. It's ideal for those seeking professional structure and financial backing for their futures trading journey. Ready to start building better habits? Get connected to the markets today! ⭐

Ready to transform your workflow with TopStep?

Frequently Asked Questions

If I am funded, can I manage more than one trading account?

Yes, once you become a Funded Trader™, you have the exclusive benefit of managing various income streams. You can manage and take payouts from up to five Express Funded Accounts at the same time.

What is included with the monthly subscription fee for the Trading Combine?

The monthly fee guarantees your participation in the evaluation until you are funded or you cancel. It also includes access to premium features like the TopstepX™ trading platform, personalized stats from Coach T™, and entrance to group coaching and the Discord community.

Does Topstep offer a free trial period for the Trading Combine evaluation?

No, a free trial for the Trading Combine is not offered. Enrollment requires a recurring monthly subscription fee starting at $49.

How is the Maximum Loss Limit calculated for the Trading Combine rules?

The Maximum Loss Limit is based on a trailing drawdown. It is calculated by subtracting the Maximum Drawdown from your highest account balance recorded at the end of the day.

What happens to my positions at the end of the trading day?

The Trade Desk automatically flattens all open trades at the end of each session. This ensures that you comply with the day trading rules and do not hold overnight positions.

Do I have to pay commissions when trading on the TopstepX platform?

No, trading on the exclusive TopstepX™ platform is commission-free. This benefit is available to all traders accessing the platform.

What currency is the subscription officially billed in?

The base subscription price is in USD, ranging from $49 to $149 per month. While prices may display in local currencies like EUR or GBP, these are primarily for display purposes only.

How quickly will Customer Support respond if I need technical help?

Topstep offers expert 'Kick-Ass Trader Support' available via call or chat for immediate needs. However, a specific customer service response time guarantee or Service Level Agreement (SLA) is not explicitly stated on the official site.

How can I regain access if I accidentally break a Trading Combine rule?

You earn a Reset Bank credit with each monthly rebill of your subscription. You can use this Reset Bank credit on any active evaluation account to restart the cycle.

Can I cancel my monthly Trading Combine subscription easily?

The subscription is recurring and continues until you become funded or you choose to cancel. However, the specific procedure or policy details for cancellation are not explicitly stated on the official site.

Once I pass the Combine, what amount must I pay to start trading with firm capital?

After successfully passing the evaluation, you must pay a single one-time $149 Activation Fee. This fee is required to officially open your Express Funded Account, regardless of the account size you qualified for.

Is Topstep geared toward beginner or experienced traders?

The platform focuses on serious traders seeking structure and financial backing for futures trading. It appeals strongly to those looking for capital and who possess the discipline to follow structured rules.

Ready to try TopStep? Check out the official site or pricing.