TopStep Cost ROI Calculator
Calculate your return on investment for TopStep's challenge fee. See how long to break even, monthly payout projections, and annualized returns based on your expected monthly performance. TopStep uses trailing eod (floor moves up at end of day) with a 2% daily loss limit and 3% max drawdown. Updated March 2026.
TopStep starts you at a 90% profit split (up to 90% with scaling). After factoring in challenge fees and the expected number of attempts, is it actually worth it? This calculator gives you the honest answer.
Account Size
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Frequently Asked Questions
What is TopStep's daily loss limit?
TopStep's daily loss limit is 2% of your account balance. For the $50,000 account, the daily limit is $1,000.
What drawdown type does TopStep use?
TopStep uses trailing eod (floor moves up at end of day). The floor moves up at end-of-day when your closing balance exceeds the previous peak.
How much does TopStep's challenge cost?
TopStep's challenges range from $49 ($50,000) to $149 ($150,000). The fee is typically refundable with your first payout after passing.
What is the ROI on a TopStep challenge?
The ROI depends on your monthly return and how long you stay funded. At 5% monthly return on a $50,000 account with 90% profit split, you earn $2,250/month. The $49 challenge fee breaks even in about 0.0 months.
Data source: TopStep (https://www.topstep.com). Last verified: 2026-03-21.
Drawdown type: Trailing EOD (floor moves up at end of day) | Daily limit: 2% | Profit split: 90-90%