TopStep Risk of Ruin Calculator
Calculate your probability of blowing your TopStep account based on your win rate, risk per trade, and reward-to-risk ratio. See whether your strategy survives TopStep's drawdown rules. 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 uses trailing eod (floor moves up at end of day). With trailing drawdown, the floor rises with your equity peaks, meaning a string of losses after a winning run is especially dangerous. This calculator shows exactly how many bad trades you can survive.
Who should use this calculator
Best for checking whether your real win rate and risk settings are even compatible with TopStep's drawdown budget before you buy or reset.
Where this tool can mislead you
Risk-of-ruin models assume your edge and position sizing stay stable. They become misleading if you revenge trade, increase risk after losses, or trade multiple correlated setups at once.
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.
What win rate do I need to pass TopStep?
The minimum win rate depends on your reward-to-risk ratio. With a 1.5:1 R:R, a 45% win rate gives you a positive expectancy. With 1:1 R:R, you need above 55%. For TopStep's 3% max drawdown, lower risk per trade (0.5-1%) dramatically reduces your risk of ruin even with modest win rates.
What is a good risk of ruin percentage for prop trading?
A risk of ruin below 5% is considered safe for prop firm trading. Below 1% is excellent. Most failed prop firm traders have risk of ruin above 30% because they risk too much per trade (2%+ of account) or have a negative expectancy strategy.
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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