Topstep Review for Beginners: Your Complete Guide to Passing the Challenge in 2026

The proprietary trading industry has exploded in recent years, with thousands of traders searching for legitimate opportunities to access significant capital without risking their own savings. Among the most searched terms in 2026 are prop firm passing service, pass my prop firms, and funded account management service — all reflecting a growing demand for professional assistance in navigating the complex world of funded trading.

Topstep, formerly known as TopstepTrader and headquartered in TopstepTrader Chicago, stands as one of the most established and respected proprietary trading firms in the futures industry. Founded in 2012, Topstep has helped thousands of traders achieve their dream of becoming funded professionals, paying out millions in trader profits over the years.

Whether you’re a complete beginner exploring forex account management options or an experienced trader looking to scale your operations, understanding Topstep’s rules, platforms, payout structure, and evaluation process is crucial before investing your time and money.

This comprehensive Topstep review for beginners covers everything from prop firm passing EA strategies to legit prop firm passing service recommendations, helping you make informed decisions about your trading journey.

In this guide, we’ll explore:

• What Topstep is and how it differs from other prop firms
• Complete breakdown of Topstep Express account rules
• How to connect Topstep to Tradovate and other platforms
• Topstep payout rules and withdrawal process
• Best practices for passing the Topstep challenge
• How our prop firm passing service can help you succeed

What is Topstep? Topstep is a proprietary trading firm based in Chicago, Illinois, that provides traders with the opportunity to trade futures contracts using the firm’s capital. Rather than risking your own money, you prove your trading skills through a simulated evaluation process called the Trading Combine, and if successful, you receive a funded account where you can earn real profits.

Topstep operates under the legal entity Topstep LLC and has built a reputation as one of the most reliable and transparent prop firms in the industry. The company is known for its rigorous evaluation standards, fair payout policies, and commitment to trader development.

The History of Topstep Trading

Founded in 2012 as TopstepTrader, the company initially focused on providing educational resources and simulated trading environments. Over the years, it evolved into a full-fledged proprietary trading firm, launching the Trading Combine program that has become its flagship offering. Today, Topstep is recognized as one of the top funded accounts providers in the industry.

Is Topstep Regulated?

One of the most common questions traders ask is: is Topstep regulated? Topstep operates as a proprietary trading firm, not as a broker or financial advisor. While it is not regulated by the CFTC or NFA in the traditional sense, Topstep follows strict internal compliance standards and partners with regulated futures commission merchants (FCMs) for trade execution. This structure is standard across the proprietary trading industry.

Key Features of Topstep

• Trading Combine: A two-step evaluation process to prove your trading skills
• Funded Accounts: Access to accounts ranging from $50,000 to $300,000+
• Multiple Platforms: Support for Tradovate, NinjaTrader, and TopstepX
• Fast Payouts: Withdraw your profits within days of requesting
• Scaling Plan: Grow your account size as you demonstrate consistent profitability
• No Time Limits: Trade at your own pace without arbitrary deadlines
• Professional Support: 24/7 customer service and trader education resources

The Topstep Trading Combine is designed to identify traders who have the skills, discipline, and risk management abilities necessary to trade real capital successfully. Here’s a detailed breakdown of how the process works:

Step 1: Choose Your Account Size

Topstep offers various account sizes, starting from $50,000 up to $150,000 and beyond. Each account size comes with specific profit targets, drawdown limits, and trading rules. Beginners often start with the $50,000 or $100,000 account to minimize risk while learning the ropes.

Step 2: Pay the Evaluation Fee

To begin the Trading Combine, you’ll pay a one-time evaluation fee. This fee varies based on account size and any active Topstep promo code or Topstep coupon codes you may have. Many traders search for Topstep activation fee discount opportunities to reduce their initial investment.

Step 3: Pass the Trading Combine

The evaluation phase requires you to meet specific profit targets while adhering to strict risk management rules. You must demonstrate consistent profitability without violating drawdown limits or trading restrictions. This is where many beginners struggle, which is why professional funded account passing service providers like Prop Firm Gurus have become invaluable.

Step 4: Receive Your Funded Account

Once you pass the Trading Combine, you’ll receive a funded account with real capital. You’ll continue trading under similar rules, but now your profits are real and withdrawable. Topstep offers a generous profit split, typically 90% to the trader and 10% to the firm.

Step 5: Request Payouts

After accumulating profits in your funded account, you can request payouts according to Topstep’s payout schedule. Most traders receive their payouts within 1-3 business days via PayPal, bank transfer, or other supported methods.

Topstep offers several account types designed to accommodate traders at different experience levels and risk tolerances. Understanding these options is crucial for selecting the right starting point for your trading journey.

Topstep 50K Account

The Topstep 50K account is the most popular choice for beginners. With a relatively modest profit target of $3,000 and manageable drawdown limits, it provides an excellent entry point for traders looking to prove their skills without excessive risk. Many traders start here and scale up as they gain confidence and consistency.

Topstep 100K Account

The Topstep 100K account offers a balance between challenge and reward. With a $6,000 profit target, it requires more discipline but provides significantly higher earning potential once funded. This account size is ideal for traders with some experience who are ready to take on more responsibility.

Topstep 150K Account

For experienced traders, the Topstep 150K account provides substantial capital and profit potential. The $9,000 profit target requires advanced risk management skills, but the rewards are commensurate with the challenge.

Understanding the Topstep Express rules is essential for anyone attempting the Trading Combine. These rules are designed to ensure that only disciplined, consistent traders receive funded accounts. Here’s a comprehensive breakdown:

Profit Target Requirements

Each account size has a specific profit target that must be achieved during the evaluation phase. For example, the $50,000 account requires $3,000 in profits, while the $100,000 account requires $6,000. These targets must be met without violating any other rules.

Maximum Drawdown Limits

The maximum drawdown represents the largest loss your account can experience from its starting balance or highest peak. Exceeding this limit results in immediate account termination. For the $50,000 account, the max drawdown is $2,500, which means your account balance cannot fall below $47,500 at any point.

Daily Loss Limits

Topstep enforces daily loss limits to prevent catastrophic losses in a single trading session. If your account loses more than the daily limit (e.g., $1,500 for the $50K account), trading is suspended for the remainder of that day.

Consistency Rule

One of the most important and often misunderstood rules is the consistency rule. Topstep requires that no single trading day accounts for more than 30% of your total profits. This ensures that your profits come from consistent trading rather than one lucky trade.

Minimum Trading Days

Topstep requires a minimum number of trading days to complete the evaluation. This prevents traders from achieving the profit target in a single day through excessive risk-taking. Typically, you need at least 5-10 trading days to complete the evaluation.

Trading Hours Restrictions

Topstep has specific Topstep trading hours during which you can trade. These hours align with major market sessions and ensure liquidity. Trading outside these hours may result in rule violations.

What Time Does Topstep Close Trades?

Topstep typically closes trading at 4:00 PM CT for most futures contracts. However, specific instruments may have different closing times. Always check the Topstep calendar for holiday schedules and special trading hours.

Is There a Consistency Rule in Topstep?

Yes, as mentioned above, the consistency rule is a fundamental part of Topstep’s evaluation process. It ensures that traders demonstrate sustainable profitability rather than relying on luck or excessive risk-taking.

Topstep supports multiple trading platforms, each with its own strengths and features. Choosing the right platform can significantly impact your trading performance and overall experience. Here’s a detailed look at each option:

Tradovate

Tradovate is one of the most popular platforms for Topstep traders. It offers a clean, intuitive interface with advanced charting capabilities, real-time data, and seamless order execution. Tradovate is particularly favored by futures traders for its speed and reliability.

NinjaTrader

NinjaTrader is a powerful platform known for its advanced charting, backtesting capabilities, and extensive customization options. Many experienced traders prefer NinjaTrader for its ability to run automated strategies and custom indicators.

Quantower

Quantower is a modern, multi-asset trading platform that offers advanced analytics, DOM trading, and sophisticated order management. The Quantower Project X integration with Topstep provides traders with cutting-edge tools for futures trading.

TopstepX (Topstep Express)

TopstepX, also known as Topstep Express, is Topstep’s proprietary platform designed specifically for the Trading Combine. It offers a streamlined interface focused on the evaluation process, with built-in risk management tools and real-time performance tracking.

How to Download TopstepX

Downloading TopstepX is straightforward. After signing up for a Trading Combine account, you’ll receive access credentials and download links via email. The platform is available for Windows and can be installed in minutes.

Can I Change from NinjaTrader to TopstepX?

Yes, you can switch platforms during your evaluation. However, it’s recommended to choose your platform before starting the evaluation to avoid any disruptions in your trading routine.

Topstep Dashboard Login

The Topstep dashboard is your central hub for monitoring your evaluation progress, viewing performance metrics, and managing your account. Access it through the Topstep dashboard login page using your credentials.

Connecting your Topstep account to Tradovate is a crucial step for traders who prefer the Tradovate platform. This integration allows you to execute trades directly through Tradovate while maintaining compliance with Topstep’s rules and evaluation requirements.

Step 1: Create Your Topstep Account

Begin by signing up for a Topstep Trading Combine account through the official Topstep sign up page. Choose your desired account size and complete the payment process.

Step 2: Access Your Account Credentials

After completing your purchase, you’ll receive an email with your Topstep account credentials, including your username, password, and account number. Save these credentials securely as you’ll need them for the Tradovate connection.

Step 3: Download and Install Tradovate

Download the Tradovate platform from the official website or app store. Tradovate is available for desktop (Windows and Mac), web browser, and mobile devices (iOS and Android).

Step 4: Log In to Tradovate

Open Tradovate and select the option to log in with your Topstep credentials. Enter your username and password exactly as provided in your Topstep welcome email.

Step 5: Verify Connection

Once logged in, verify that your account balance and position information match your Topstep dashboard. You should see your simulated account balance and be able to place test orders.

How to Copy Trades on Tradovate

Many traders ask how to copy trades on Tradovate or how to copy trade on Topstep. Tradovate offers built-in copy trading features that allow you to mirror trades across multiple accounts. This is particularly useful for traders managing multiple funded accounts or using our prop firm passing EA solutions.

TopstepX ATM Settings

For traders using TopstepX, understanding how to set ATM (Advanced Trade Management) strategies is crucial. ATM strategies allow you to set automatic stop-loss and take-profit levels, which is essential for maintaining compliance with Topstep’s risk management rules.

One of the most attractive aspects of Topstep is its straightforward and reliable payout system. Understanding the Topstep payout rules is essential for managing your expectations and planning your trading strategy.

How Long Does a Topstep Payout Take?

Topstep processes payouts quickly, typically within 1-3 business days after your payout request is approved. This is significantly faster than many other prop firms, making Topstep a preferred choice for traders who value quick access to their profits.

Topstep Payout Request Process

To request a payout, log into your Topstep dashboard and navigate to the payout section. Submit your payout request, and Topstep will review and process it according to their schedule. You’ll receive a Topstep payout certificate confirming your withdrawal.

Topstep Payout Rules

• Minimum payout threshold: Typically $100
• Profit split: 90% to trader, 10% to Topstep
• Processing time: 1-3 business days
• Payment methods: PayPal, bank transfer, and other options
• No hidden fees or charges on payouts

Topstep PayPal Integration

Topstep supports Topstep PayPal payments, making it easy for traders to receive their profits quickly and conveniently. PayPal is one of the most popular payment methods due to its speed and global availability.

Topstep Withdrawal Rules

Topstep’s withdrawal rules are designed to be trader-friendly. There are no arbitrary holding periods or complex requirements. As long as you’ve met the minimum payout threshold and your account is in good standing, you can request withdrawals at any time.

When Does Topstep Market Open?

Topstep follows standard futures market hours. The market typically opens Sunday evening at 6:00 PM ET and closes Friday at 5:00 PM ET, with a daily break from 5:00 PM to 6:00 PM ET. Understanding these hours is crucial for planning your trading sessions and payout requests.

The Topstep trailing drawdown is one of the most important risk management features in the Trading Combine. Unlike a static drawdown limit, the trailing drawdown adjusts as your account grows, providing both protection and flexibility.

How Trailing Drawdown Works

The trailing drawdown starts at a fixed amount below your account’s starting balance. As your account balance increases and reaches new highs, the drawdown limit “trails” behind, maintaining a consistent distance from your peak balance.

Example of Trailing Drawdown

Let’s say you start with a $50,000 account and a $2,500 trailing drawdown. Your initial drawdown limit is $47,500. If your account grows to $52,000, your new drawdown limit becomes $49,500 ($52,000 – $2,500). This means you’ve locked in $2,000 of profit that cannot be lost.

Benefits of Trailing Drawdown

• Protects profits as your account grows
• Encourages consistent profitability
• Provides clear risk parameters
• Rewards disciplined trading behavior
• Reduces emotional decision-making

Managing Trailing Drawdown

To effectively manage your trailing drawdown, focus on consistent, small profits rather than attempting large, risky trades. Our funded account management service includes specific strategies for navigating trailing drawdown requirements while maximizing your profit potential.

The Topstep scaling plan is designed to reward consistent, profitable traders with larger account sizes and increased earning potential. This program demonstrates Topstep’s commitment to trader development and long-term success.

How the Scaling Plan Works

Once you’ve established a track record of consistent profitability in your funded account, Topstep will automatically increase your account size. This scaling typically occurs in increments, allowing you to gradually take on more responsibility and generate larger profits.

Scaling Requirements

• Consistent profitability over multiple months
• Adherence to all trading rules and risk parameters
• No major drawdown violations
• Positive trader behavior and communication

Benefits of Scaling

As your account size increases, so does your profit potential. A trader who consistently generates 5% monthly returns on a $50,000 account earns $2,500 per month. Scale that to a $150,000 account, and the same 5% return generates $7,500 monthly — a significant increase in income.

Topstep Funded Rules

Once you receive a funded account, you’ll operate under the Topstep express funded rules, which are similar to the evaluation rules but with some key differences. The profit targets are removed, and you can withdraw profits according to the payout schedule.

What If I Lose My Live Account?

A common concern is: what if I lose my live account? If you violate the rules in your funded account, you may lose the account. However, Topstep often offers reset options or the opportunity to restart the evaluation process. Our prop firm passing service includes support for account resets and re-evaluations.

Understanding Topstep’s pricing structure and available discounts can help you minimize your initial investment while maximizing your chances of success. Here’s everything you need to know about Topstep pricing and how to save money.

Topstep Evaluation Fees

When is Topstep Removing Activation Fees?

Topstep periodically runs promotions where activation fees are waived or reduced. Many traders search for when is Topstep removing activation fees to time their purchases strategically. Follow our social media channels for the latest promotion announcements.

Topstep Promo Codes

Using a Topstep trader promo code or Top step promo codes can significantly reduce your evaluation costs. Common discounts include:

• 20-50% off evaluation fees
• Free activation fee waivers
• Free reset credits
• Bundled account discounts

Coupon for Topstep

Looking for a coupon for Topstep? Check our website regularly for exclusive discount codes and special offers. We partner with Topstep to provide our clients with the best possible pricing.

Topstep Free Trial

Topstep occasionally offers a Topstep free trial period, allowing you to test the platform and evaluation process before committing financially. This is an excellent opportunity for beginners to familiarize themselves with the system.

Topstep Free Reset

A Topstep free reset allows you to restart your evaluation without paying additional fees. This is typically offered as part of promotional campaigns or as compensation for technical issues.

What is a Reset Credit on Topstep?

A reset credit is a voucher that allows you to reset your Trading Combine account if you violate a rule. Reset credits can be purchased separately or earned through promotions. They’re valuable insurance policies for your evaluation journey.

One of the most common questions in the prop trading community is: Apex Trader Funding vs Topstep — which firm offers better value, rules, and opportunities? Let’s break down the key differences to help you make an informed decision.

Advantages of Topstep

• Longer track record and established reputation
• Multiple platform options including proprietary TopstepX
• Comprehensive scaling plan for growth
• Excellent customer support and trader education
• Transparent rules and fair evaluation process

Advantages of Apex

• One-time evaluation fee (no monthly charges)
• 100% profit split on first $25,000
• Lower initial cost for smaller accounts
• Simple, straightforward rules

Which Should You Choose?

The choice between Topstep and Apex depends on your trading style, experience level, and goals. If you value platform variety, scaling opportunities, and long-term growth potential, Topstep is likely the better choice. If you prefer a one-time fee structure and want to keep 100% of your initial profits, Apex may be more suitable.

At Prop Firm Gurus, we stand behind our services with confidence. However, we understand that circumstances can change, and we want to ensure you feel secure in your investment.

Refund Conditions

• Full Refund: If we fail to pass your challenge within the agreed timeframe, you receive a full refund or free retry
• Partial Refund: Available if you cancel before we begin trading on your account
• No Refund: Once we’ve successfully passed your challenge, refunds are not available

How to Request a Refund

Contact our support team via Telegram or WhatsApp with your order details. We process refund requests within 3-5 business days after review.

Founded by a team of professional traders with over 50 combined years of experience in futures, forex, and proprietary trading, Prop Firm Gurus has established itself as the industry leader in prop firm passing services and funded account management.

Our mission is simple: help traders achieve their dream of becoming funded professionals by providing expert assistance in passing prop firm challenges and managing funded accounts for consistent, sustainable profits.

Our Team

Our team consists of:

• Professional futures traders with 10+ years of experience
• Forex specialists with proven track records on Myfxbook
• Risk management experts who understand prop firm rules inside and out
• Customer support professionals available 24/7

Our Values

• Integrity: We operate with complete transparency and honesty
• Excellence: We maintain the highest standards in everything we do
• Client Success: Your success is our success
• Innovation: We continuously improve our strategies and services