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. This calculator is based on the rule set reviewed on 2026-03-21.
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.
Who should use this calculator
Best before buying a challenge, especially if you are comparing whether TopStep's fee structure makes sense for your expected monthly returns.
Where this tool can mislead you
ROI math does not guarantee payout access. A cheap fee or strong projected ROI still fails if you cannot pass, stay funded, or withdraw consistently.
Rule inputs preloaded into this calculator
- •Account sizes reflected: $50,000, $100,000, $150,000
- •Primary drawdown model: Trailing EOD
- •Daily loss rule: 2%
- •Max drawdown rule: 3%
- •Profit split range: 90% to 90%
- •Largest configured account in this calculator: $150,000
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.
Reviewed | Rules verified against official firm websites
Data source: TopStep (https://www.topstep.com). Current rule set reflected here was reviewed 2026-03-21.
Drawdown type: Trailing EOD (floor moves up at end of day) | Daily limit: 2% | Profit split: 90-90%
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