Topstep's Payout Policy is found here. If you need more help figuring out how or when to request a payout, check out the When, How, and Why to Pay Yourself blog by our Risk Manager, Mick.
When can I take a payout?
You're eligible to take a payout only after passing the Trading Combine and opening your Express Funded Account, following our Payout Policy.
It's essential to check our list of Ineligible Countries before purchasing a Trading Combine, as citizens of these countries cannot take payouts.
Payouts are exclusively available from Funded Level accounts, such as Express Funded or Live Funded Accounts, and are not available from any size of Trading Combine account. You can find further information about completing the Trading Combine and what happens next here.
Payout Requests can only be submitted during CME market hours between Sunday at 5pm CT and Friday at 4pm CT, excluding designated holidays.
What is the profit split?
For new traders who join on or after January 12, 2026:
All payouts will be subject to a 90/10 profit split:
Traders receive 90% of approved payouts. Topstep retains 10% of the requested payout.
This profit split applies to all payouts and is calculated per trader, not per account.
Traders who joined before January 12, 2026:
Will continue to receive 100% of the first $10,000 in profits, after which payouts will follow the 90/10 profit split, in accordance with the prior policy.
When should I start taking payouts from my Funded Account?
If you take any payouts before your Maximum Loss Limit reaches $0, your limit will automatically be set to $0 with a payout.
To maintain your Topstep account for an extended period and take regular payouts, we recommend making your limit $0 before considering a payout. To make your limit $0, you will need to reach the corresponding levels of profits.
Below is a list of all account sizes and their corresponding MLL for reference:
Account Size: | Maximum Loss Limit: |
$50K | $2,000 |
$100K | $3,000 |
$150K | $4,500 |
How do payouts affect my account parameters?
Your payouts affect your account parameters in the following ways:
Your Maximum Loss Limit will always be set to $0 after your first payout.
If your limit has already reached $0 and you take a payout, your limit will remain at $0. At that point, the capital remaining in your account will be the maximum amount you will be able to lose.
How do payouts affect my Maximum Loss Limit?
Payouts affect the Maximum Loss Limit in the following ways:
Your Maximum Loss Limit will always be set to $0 after your first payout.
If your limit has already reached $0 and you take a payout, your limit will remain at $0. At that point, the capital remaining in your account will be the maximum amount you will be able to lose.
How do payouts impact my Maximum Position Size?
Payouts can impact your Maximum Position Size in the following way:
Payouts can impact how much leverage you have and the amount of risk you can take. The scaling plan will determine what impact your payout has on your Express Funded Account. If your payout brings you down a level, your account will be set to the corresponding buying power. This means that a payout could result in you not being able to trade as many contracts. Read more about the Scaling Plan here.
How does trading impact my payout request while it is being processed?
Trading can impact your payout request in the following ways:
If you choose to continue trading while Topstep processes a payout for you, there’s a risk the original payout request may not be processed. This can be due to trading losses that result in either the loss of your account or a reduction in the amount Topstep can send you.
We recommend that you wait until the payout is reflected on your Trader Dashboard before placing additional trades to avoid any unexpected impacts on your payout request.
How do I request a payout? What is the process?
In an Express Funded Account or Live Funded Account, you can request a payout directly from your profile's dashboard once you've met the requirements of the Payout Policy. You are not able to request a Payout from a Trading Combine account.
Payout Requests can only be submitted during CME market hours between Sunday at 5pm CT and Friday at 4pm CT, excluding designated holidays.
The Minimum Payout Request is $125.00.
Which countries cannot request or receive payouts or earn funding with Topstep?
You must review Topstep's Eligibility Requirements for the full details on which countries are eligible to trade and take Payouts with Topstep. The following countries cannot request or receive payouts or earn funding with Topstep: Afghanistan, Algeria, Angola, Belarus, Burkina Faso (Upper Volta), Burma/Myanmar, Burundi, Chinese Military Companies, Cote d’Ivoire (Ivory Coast), Crimea (Region of Ukraine - North of Black Sea - Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia), Cuba, Democratic Republic of Congo, Haiti, Iran, Iraq, Kenya, Kosovo, Lebanon, Libya, Mali, Morocco, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan and Darfur, Syria, Turkey (Turkiye), Ukraine, Venezuela, and Yemen.
My bank wants a verification letter stating why I'm requesting a payout/receiving a deposit
Topstep does not provide verification letters for payouts, but you can provide your bank with a copy of your Express Funded Account Agreement for verification purposes.