Topstep Rule Changes (2026)
Dated, sourced log of verified Topstep rule changes — profit split, Express Funded Account payout paths and caps.
Per-payout caps published for Express Funded Accounts
| Old | Higher per-payout caps on Express Funded Accounts (third-party trackers logged $5,000–$6,000 caps on new 50K/100K No-Activation-Fee Combines before late April 2026). |
|---|---|
| New | Topstep's published payout policy caps each XFA payout request at 50% of account balance, up to: $50K → $2,000 Standard / $3,000 Consistency; $100K → $3,000 / $4,000; $150K → $5,000 / $6,000. Live Funded Account payouts remain uncapped. |
Impact on traders: Payout velocity on an XFA is bounded by the cap, not just by your P&L — factor it into how fast profits can be de-risked off the account. The uncapped Live Funded Account is the real target.
Express Funded Account splits into Standard and Consistency payout paths
| Old | Single XFA payout path: 5 winning days of $150+ net P&L per payout cycle. |
|---|---|
| New | Two selectable paths. Standard: 5 winning days of $150+ (non-consecutive). Consistency: 3 winning days of $150+ AND your largest single day cannot exceed 40% of total net profit; days lock in at 4:00 PM CT, and the day you request a payout does not count toward the next cycle. |
Impact on traders: Steady algos reach payouts roughly 40% faster on the Consistency path. Strategies with occasional outlier days should stay on Standard — one big day over the 40% cap delays eligibility.
Source: Topstep blog — Express Funded Account consistency path · Topstep Help Center — Payout Policy
Profit split moves to 90/10 from the first dollar
| Old | Traders received 100% of their first $10,000 in lifetime profits, then the 90/10 split applied. |
|---|---|
| New | Accounts created after January 12, 2026 are on the 90/10 split from dollar one. Traders who joined before that date keep the legacy 100%-of-first-$10K treatment (confirmed in the current payout policy). |
Impact on traders: A straight ~10% haircut on early profits for new traders — adjust the breakeven math on any eval-cost-vs-payout ROI model your automation plan depends on.
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