TopstepTopstep 100K Trading Combine: Rules, Cost & Payout Analysis
How it scores
Topstep 100K Trading Combine ranks #1 of the 77 100K futures plans we benchmark, with a PropBench Score of 77. Its strongest part is cost, its weakest is rule stability.
One try costs $248. The evaluation needs $6,000 on a $3,000 end of day trailing drawdown (1 in 3.9). The funded account needs $2,000 on a $3,000 end of day trailing drawdown (1 in 1.8). Together that is about 1 in 6.9 tries to a first payout on coin flip odds, so a first payout costs $955 on average (the typical plan of this size: $2,601).
A steady trader making $400 a day gets the first payout after 20 trading days and keeps $19,800 from 3 months of funded trading.
Cost$955 per first payout95
A trader with no edge reaches a profit of d before losing a static drawdown of D with chance D ÷ (D + d). A trailing floor that follows the peak gives e−d ÷ D; end of day trailing counts halfway between the two.
#4 of 77 100K futures plans on this part. The 95 is its percentile rank: better than 95% of the class.
Speed20 trading days64
A steady trader makes $400 every trading day (0.4% of the account) and never loses.
#23 of 77 100K futures plans on this part. The 64 is its percentile rank: better than 64% of the class.
Payouts$19,800 kept in 3 months74
The same steady trader trades the funded account for 63 trading days (3 months) and asks for a payout as soon as the rules allow.
The other $3,200 is still in the account at the end: buffers, caps and payout timing hold it back.
#15 of 77 100K futures plans on this part. The 74 is its percentile rank: better than 74% of the class.
Rules1.25 penalty points90
Each trading restriction adds penalty points from our published checklist. Fewer points rank higher.
Drawdown type and daily loss limits that end the account are priced into Cost. Payout rules are measured by Payouts and Speed. Full checklist
#7 of 77 100K futures plans on this part. The 90 is its percentile rank: better than 90% of the class.
StabilityNo nerfs in 12 months59
Counts the changes to rules or prices that went against traders (nerfs) at this firm in the last 12 months, from our change tracking. Fewer nerfs rank higher.
Our own tracking started October 25, 2026; earlier history comes from the Internet Archive. See every change
The 59 is its percentile rank: better than 59% of the class.
Click a part to see how it is calculated. Each part is ranked within 100K futures plans: 100 is best in class. The steady trader makes $400 a day (0.4% of the account). Every number here comes from the firm's published rules and can be checked with a calculator.
Rules to watch
Each rule adds penalty points. Fewer points rank higher on Rules.
- •Evaluation consistency rule (best day under 55%)+0.5
- •News trading restricted+0.5
- •Must be flat before the close+0.25
- Total penalty1.25 pts · Rules rank 90/100
Not confirmed from a public page yet: funded mll sets to zero after first payout, funded consistency path option, funded contract scaling. These values are our best reading.
Plan specifications
- Price
- $99 per month
- Activation fee
- $149
- Reset
- $99
- Profit target
- $6,000
- Drawdown
- $3,000, end of day trailing
- Daily loss limit
- None
- Consistency
- Best day under 55%
- Minimum days
- None
- Max contracts
- 10 minis
- Drawdown
- $3,000, end of day trailing
- Daily loss limit
- None
- Profit before first payout
- $750
- Winning days per payout
- 5 × $150+
- Consistency
- None
- Profit split
- 90%
- Payout cap
- $3,000 per request
- Max contracts
- 10 minis
- Per payout
- Up to 50% of profit
- News trading
- Restricted
- Overnight holding
- Not allowed
- Platforms
- TopstepX, Quantower (locked)
Quantower (logging in through the ProjectX connection with TopstepX credentials) works for the Trading Combine and Express Funded Account only. Live Funded Account: TopstepX only.
Sources: 14 public pages ▾
- topstep.com: Topstep prop
- topstep.com: Topstep pricing and payment questions
- topstep.com: Trading combine parameters
- topstep.com: What is the maximum loss limit
- topstep.com: Consistency at topstep
- topstep.com: Express funded account parameters
- topstep.com: Topstep payout policy
- topstep.com: Express funded account activation
- topstep.com: Risk adjustments high risk high volatility
- topstep.com: When and what products can i trade
- topstep.com: What is the scaling plan
- topstep.com: Daily loss limit in the trading combine and express funded account
- topstep.com: What is a reset
- topstep.com: Express funded account rules
PropBench Score
100K futures plans · Higher is better
Cost to Funded
100K futures plans · Price plus activation fee, one try · Lower is better
Payouts Kept
100K futures plans · Steady trader, 3 months funded, USD · Higher is better
Compared with its class
This plan against every other plan in its class. Hover any bar for details.
Cost per Payout
100K futures plans · Price per try ÷ coin flip odds · Lower is better
Best value
Score against cost per payout. Plans on the dotted line aren't beaten on both by anything else.
PropBench Score vs. Cost per Payout
100K futures plans
Stress tests
Six situations every trader runs into, scaled to this plan's own target and drawdown.
You make 60% of the profit target in one day, then small steady days.
Passes on day 6. A big day doesn't hold you back.
Open profit runs up to 80% of your drawdown, you close almost flat, then lose 75% the next day.
Survives with $750 of drawdown left.
You trade through a scheduled major news release.
Restricted around major releases. Check the firm's news window.
You make 4% of the target every single day. How long until money hits your bank?
First payout after about 30 trading days.
You hold a position past the session close.
Positions must be flat before the close.
You lose half your max drawdown in a single session.
Account survives the day.
Price history
The list price and the best price we have seen, including sales.
Price history
List price and the best price we saw, per month
Recent rule changes at Topstep
Every change we detect on the firm's pricing pages, rules and help center. See all
Payout policy adds a consistency example and a carry over rule
The 40% consistency target now has a worked example, and a new FAQ says profit from a previous payout cycle stays in your balance but does not count toward the next cycle's consistency target.
Terms of use add a trader referral code program (September 21, 2026 version)
The terms now describe the Trader Referral Discount Code program: eligible users get a referral code valid for 180 days and can earn rewards when others use it.
Trading Combine consistency target loosened from 50% to 55%
All three Combine sizes now show a 55% consistency target, up from 50%. Your best day can now be a bigger share of your total profit before it holds up your pass.
Live performance bonus ladder replaced by the Topstep Octagon
The July 1 Live Funded rules replace the Live Performance Bonus ladder (over $250,000 in cash bonuses, one level per month) with the Topstep Octagon, a monthly bonus based on net profit and loss, paid into your Live Funded Account.
New $49 headline offer for the 50K account and updated company stats
The top of the pricing page now promotes a $49 50K account. Marketing stats were updated: $1.5B+ paid out (was $1.4B+) and 750,000+ traders (was 200,000+).
Big pricing page redesign: new payout options, Daily Loss Limit add on and a 50% consistency target on the Combine
The June redesign changed how Topstep's plans work, not just how they look. The Combine now lists a 50% consistency target, payouts come in two options with different caps, and an optional Responsible Trading Advantage adds a $1,000 Daily Loss Limit in exchange for double payout caps and a discount.
Terms of use updated (May 11, 2026 version)
Fee now covers any recurring or one time payment, Challenge Accounts under Topstep Labs were added, and arbitration notices must be sent by both mail and email.
Payouts go from next trading day to instant
Topstep's pricing page used to promise payouts as soon as the next trading day. It now says approved payouts can reach your account in seconds.
Frequently asked questions
Common questions about Topstep 100K Trading Combine.
How much does Topstep 100K Trading Combine cost?+
$99 per month, plus a $149 activation fee after you pass. A reset costs $99. Passing on the first try costs $248; with retries included, getting funded costs $532 on average.
What is the profit target for Topstep 100K Trading Combine?+
$6,000.
What is the max drawdown on Topstep 100K Trading Combine?+
$3,000, end of day trailing. It stops trailing once it reaches the starting balance. On the funded account it is $3,000, end of day trailing.
Does Topstep 100K Trading Combine have a consistency rule?+
Yes. In the evaluation your best day must stay under 55% of total profit. There is none for payouts.
Is there a daily loss limit on Topstep 100K Trading Combine?+
No.
How do payouts work on Topstep 100K Trading Combine?+
You need $750 of profit before the first payout and at least 5 trading days, with 5 winning days of $150 or more. Each payout is capped at $3,000.
What is the profit split?+
90% to you.
Can I trade news on Topstep 100K Trading Combine?+
Only with restrictions around major releases. Check the firm's news window.
Can I hold positions overnight?+
No, positions must be closed before the session ends.
How does Topstep 100K Trading Combine rank?+
#1 of 77 100K futures plans on the PropBench Score (77/100). See the methodology for how the score is built.