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. Updated March 2026.
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.
Account Size
More TopStep Calculators
Position Size Calculator
Max position size that won't breach daily loss limit
Compound Growth Calculator
How long to hit profit target with compound growth
Drawdown Recovery Calculator
How many winning trades to recover from X% drawdown
Cost ROI Calculator
ROI calculation: challenge cost vs potential payout
Pip Value Calculator
Calculate pip value for any currency pair and lot size
Margin Calculator
Required margin, free margin, and max lots at any leverage
Profit/Loss Calculator
Calculate P&L in dollars, pips, and % of account
Swap/Overnight Fee Calculator
Estimate overnight swap costs for holding positions
Break-Even Calculator
How many trades and months to recoup challenge costs
Risk of Ruin Calculator for Other Firms
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.
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%