HQ United States
Topstep Review 2026
Topstep is a US-based futures prop firm, selling challenges for 14 years, rated 4.0/5 by our formula (#30 of 90) and 3.6/5 on Trustpilot from 14,870 reviews. It is best for budget buyers (cheaper per $10K than 93% of futures firms) and a longer track record (14 years); skip it if you want instant funding.
- Trader reviews
- 30
- Price per $10K
- 95
- Rules & drawdown
- 68
- Payouts & split
- 92
- Track record
- 100
- Platforms & programs
- 29
Best for budget buyers (cheaper per $10K than 93% of futures firms); a longer track record (14 years).
Skip if you want instant funding; you dislike trailing drawdown (all accounts use end-of-day trailing); you prefer a one-time fee over a monthly subscription.
Score breakdown
Topstep scores highest on track record and price per $10k, and lowest on platforms & programs.
It ranks #30 of the 90 firms we track and #11 of 30 futures firms.
Price vs the futures market
Topstep's median price per $10K of funding is $14.09, cheaper than 93% of futures firms. The cheapest single account costs $49 per month, plus an activation fee of up to $149 when you pass.
Topstep challenges and prices
Price by account size
$100K 1-Step: targets and limits
| Account | Program | Price | Target | Daily | Max | Drawdown | Split |
|---|---|---|---|---|---|---|---|
| $50K | 1-StepStandard - 1-Step 50K | $49/mo | — | 2% | 4% | End-of-day trailing | 90% |
| $50K | 1-StepNo Activation Fee - 1-Step 50K | $95/mo | — | 2% | 4% | End-of-day trailing | 90% |
| $100K | 1-StepStandard - 1-Step 100K | $99/mo | — | 2% | 3% | End-of-day trailing | 90% |
| $100K | 1-StepNo Activation Fee - 1-Step 100K | $149/mo | — | 2% | 3% | End-of-day trailing | 90% |
| $150K | 1-StepStandard - 1-Step 150K | $199/mo | — | 2% | 3% | End-of-day trailing | 90% |
| $150K | 1-StepNo Activation Fee - 1-Step 150K | $229/mo | — | 2% | 3% | End-of-day trailing | 90% |
Topstep rules
- Daily loss limit
- 2%
- Maximum loss
- 3–4%
- Drawdown model
- End-of-day trailing
- Profit target (phase 1)
- —
- Minimum trading days
- 2
- Consistency rule
- Applies
- Profit split
- 90%
- Payout frequency
- from 3 days
- Activation fee
- up to $149
Across its 6 accounts, Topstep uses end-of-day trailing drawdown. None of its accounts has a static maximum loss. The shortest minimum-trading-days requirement is 2.
Rules are taken from the firm's published terms and change often. Always confirm on the firm's site before buying.
Topstep rules explained: every account, drawdown model, permissions and payout rules →
Payouts and payments
Pay for a challenge
Receive payouts
Payout cycle
Requests from 3 days; split up to 90%.
Verified payout data from traders will appear here once our payout tracker launches.
Where Topstep is available
Topstep restricts 35 countries. Of the 20 markets we cover in detail, it accepts traders from 16 and blocks Nigeria, Pakistan, Kenya, Turkey.
Nigeria ✕
Pakistan ✕
Kenya ✕
Turkey ✕All restricted countries (35)
Afghanistan
Algeria
Angola
Belarus
Burkina Faso
BurundiChinese Military Companies
Cote d'Ivoire (Ivory Coast)
Cuba
Darfur
Democratic Republic of the Congo (Congo Free State)
Haiti
Iran
IraqKenya
Kosovo
Lebanon
Libya
Mali
Morocco
Myanmar (Burma)
NicaraguaNigeria
North KoreaNorth of Black SeaPakistan
Russia
Somalia
South SudanSudan
SyriaTurkey
Ukraine
Venezuela
YemenPlatforms and markets
Platforms
Markets
What traders say about Topstep: real reviews and rating
- Replies to negative reviews
- 5.7% of 1,837
- Average reply time
- 7.9 days
- Profile claimed
- Dec 2020
- Invites customers to review
- Yes
70% of Topstep's Trustpilot reviews are 5-star and 19% are 1-star. Most 1-star reviews at prop firms concern denied payouts or disputed rule breaches, so read the recent ones before buying. The company invites customers to leave reviews, which tends to lift the share of 5-star ratings. Trustpilot labels this category as high-risk investment, a generic notice shown on trading-related companies.
Snapshot of the public Trustpilot page on 2026-09-29. We show ratings only, not review texts. Verified reviews from traders on this site are coming soon.
Pros and cons
Pros
- Profit split up to 90%
- 3 days payout requests
- 14+ years in operation
Cons
- No static-drawdown accounts
- Single platform (TopstepX)
- Activation fee up to $149 after passing
- Monthly subscription pricing
Topstep alternatives
Lucid TradingTrader reviews
No verified reviews yet. Reviews on this site require proof of purchase or payout. Submit yours.
How we reviewed Topstep
Prices, rules and account data come from Topstep's pricing pages and terms, cross-checked with aggregated public comparison data. Trader ratings come from a public Trustpilot snapshot taken on September 29, 2026. Scores are calculated with the formula on our methodology page; affiliate commissions do not change them.
Topstep FAQ
Is Topstep legit?
Topstep is based in United States and has been selling challenges for about 14 years. It is rated 3.6/5 on Trustpilot from 14,870 reviews. We found no public warnings about it.
Does Topstep pay out, and how fast?
Topstep's rules allow payout requests every 3 days on its fastest accounts, with a profit split of up to 90%. Payout methods: ACH, Aeropay, Bank Wire Transfer and Prop-to-Brokerage. We do not verify individual payouts; the trader reviews section shows what customers report.
Who owns Topstep?
Its CEO is Michael Patak.
Can US traders use Topstep?
Yes. The United States is not on Topstep's restricted-country list in our data.
How much is a $50K account at Topstep?
$49/month for the 1-Step plus $149 after passing, at list price without promo codes.
What is the daily loss limit at Topstep?
2% of the account; the maximum loss is 3–4% (end-of-day trailing).
Does Topstep have a consistency rule?
Yes, on 6 of its 6 accounts: the best day may not exceed 40% of total profit.
Data last checked September 29, 2026. Source: firm pricing pages and terms, public review platforms and aggregated public comparison data (Sep 2026). Found an error? Tell us.