Topstep offers & pricing

Topstep's public offer is an evaluation product, not a deposit account. The fee buys access to a simulated account with a defined profit target and loss limit; clearing it converts you to a funded account paying up to 90% of simulated profit. The offer is a single-phase evaluation. You clear one profit target inside the loss buffer, then move to a funded account — no verification phase, no second fee.

Drawdown is the term that decides whether the offer is good value for your style. Topstep uses a trailing limit that only settles at the end of the session, so intraday spikes you never banked do not raise your stop-out floor. A consistency requirement applies: no single day > 50% of total profit.

The Trading Combine is a monthly subscription starting around $49 for the smallest account, with frequent promotional pricing. Unlike several rivals there is no separate activation fee to convert a passed combine into a funded account, so the cost of getting paid is just the months you spend in evaluation.

Take the 100k account as the reference. Modelled list price is $70, or about $28 with the 60% public discount applied. At a 90% split you keep $900 of every $1,000 in simulated profit, so the offer breaks even at roughly $32 of gross profit on the funded account — before you have earned anything.

Multiply that by your realistic pass rate. If you expect to clear the evaluation one time in three, the true cost of a funded 100k account is closer to $84, and break-even moves to about $96 in gross profit. That number, not the discount percentage, is the one to compare across firms.

The offer is only good value if you can survive the drawdown mechanic. On end-of-day trailing drawdown, the practical buffer on a 100k account is around 4% — treat that as your maximum campaign risk, not the number you trade up to.