Take Profit Trader vs Topstep
Take Profit Trader
Computed verdict
Topstep costs less per unit of risk: $47.5 vs $48 per $1,000 of drawdown. On the overall score, Topstep comes out ahead (87 vs 76).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
Trailing drawdown of $1,500–$4,500 by size — EOD in the Test (with the breach checked in real time) and intraday in PRO — locking exactly at the starting balance, without the +$100 extra other firms add.
The Maximum Loss Limit trails end-of-day ($2,000–$4,500 by size), is monitored in real time including unrealized P&L, and locks once it reaches your starting balance; in the XFA every payout re-arms the floor at $0.
There is no daily loss limit in the Test or PRO (removed January 2025); only PRO+ Development remediation accounts carry a soft $500–$2,000 limit.
Soft daily limit of $1,000–$3,000 by size, optional in the Combine and XFA (automatic only in the Live account), which pauses the session without disqualifying the account.
Only the Test has a consistency rule: no single day may exceed 50% of total net profits. The rule is soft — exceeding it raises your profit goal rather than failing you. How far it raises it is contested within TPT's own rule: the formula implies twice your best day ($4,000 after a $2,000 day), while TPT's worked example sets it at twice current net P/L ($6,200 on $3,100), and TPT does not say which its dashboard enforces — plan on the higher figure. The PRO and PRO+ rules articles list no consistency rule.
In the Combine your best day can't exceed 55% of the profit target (exceeding it raises the target); on the XFA Consistency path no day may exceed 40% of total profit to be payout-eligible.
50K: $3,000 target, 3-day minimum on new tests bought from Aug 17, 2026 (existing tests and resets: 5 days), within a $2,000 end-of-day trailing drawdown.
50K: $3,000 profit target, no minimum days (can pass in 2), with a consistency rule (best day < 50% of target). Single phase.
Withdrawals from day one in PRO at an 80/20 split once you clear a buffer equal to the max drawdown, and PRO+ pays daily at 90/10 with no buffer.
Payouts from $125 after 5 winning days of $150+ Net P&L (or 3 days on the 40% Consistency path). The split is a dated cutoff, not a conflict: accounts opened before Jan 12, 2026 keep 100% of the first $10,000 in lifetime profits then 90/10; accounts opened on or after that date are a flat 90/10.
50K Test: $150/month subscription, no activation. Test resets are risk-adjusted by size since May 2026 ($79–$199; 50K $99), though one TPT landing still shows the old flat $100. Frequent promos (e.g. NOFEE40).
50K Combine: $49/month (Standard, plus a one-time $149 activation when funded) or $95/month (No Activation). Reset costs the same as the monthly sub. Frequent first-month promos.