Explore Topstep's Trading Combine plans tailored for traders of all levels, focusing on risk management and skill development in futures trading.
Looking to become a funded futures trader? Topstep offers a structured path with three Trading Combine plans ($50K, $100K, $150K accounts) tailored to different skill levels. Here's what you need to know:
- Small Combine: $50K account, $49/month, $3,000 profit target, $2,000 max loss limit.
- Medium Combine: $100K account, $99/month, $6,000 profit target, $3,000 max loss limit.
- Large Combine: $150K account, $149/month, $9,000 profit target, $4,500 max loss limit.
Quick Comparison:
| Plan | Account Size | Monthly Cost | Profit Target | Max Loss Limit | Contract Limit |
|---|---|---|---|---|---|
| Small Combine | $50,000 | $49 | $3,000 | $2,000 | 5 contracts |
| Medium Combine | $100,000 | $99 | $6,000 | $3,000 | 10 contracts |
| Large Combine | $150,000 | $149 | $9,000 | $4,500 | 15 contracts |
Each plan focuses on risk management, discipline, and profit targets. Choose based on your experience, budget, and trading style. Platforms like LuxAlgo, which provides advanced TradingView toolkits and an AI Backtesting platform, can enhance your strategy through robust backtesting, real‑time alerts, and community support.
Key Stats:
- Over 10,000 traders advanced to live accounts in 2024.
- 81,177 payouts made in 2024 alone.
- Trustpilot rating: 4.6/5.
Start small, manage risk, and grow your trading skills with Topstep.
Topstep - everything you need to know from the rules, how to pass, and pros & cons
1. Small Combine Plan
The Small Combine Plan is Topstep's starting point for traders interested in prop trading. It's a beginner‑friendly option that lets you showcase your trading skills in a simulated environment.
Account Size
With $50,000 in buying power, this plan is the most accessible among Topstep's three Trading Combine accounts. It allows traders to explore various futures markets while maintaining a focus on risk management.
Monthly Fee
The plan costs $49 per month, making it budget‑friendly for newcomers or those testing the waters. Additional fees include:
- A one‑time $149 activation fee after passing the Combine
- Level 2 data access for $39 per month
- A $49 reset fee if needed
Level 1 market data is included at no extra charge, and payment options may vary depending on applicable sales tax [4].
Key Features
To qualify for funding, traders must achieve a $3,000 profit target, which equals a 6% return. Position sizes are capped at 5 contracts, encouraging disciplined trading and reducing the risk of overexposure. The plan also includes access to Topstep's educational tools and group coaching sessions, all included in the subscription.
"The Trading Combine is an experiential learning and evaluation program for futures traders. Traders grow and test their skills in simulated markets, and earn funding upon achieving certain trading objectives." - Topstep [2]
Risk and Reward Balance
This plan emphasizes a conservative approach to risk, with a $2,000 maximum loss limit. If your account drawdown hits this threshold, the Trading Combine will conclude, highlighting the importance of careful risk management. With a $3,000 profit target and a $2,000 maximum risk, the reward‑to‑risk ratio stands at 1.5:1. It's worth noting that only about 22% of traders achieve funding, but those who do have collectively withdrawn over $9 million in profits since 2020 [5].
Next, we'll dive into the Medium Combine Plan, which offers expanded opportunities for traders looking to advance.
2. Medium Combine Plan
The Medium Combine Plan is designed for traders who need more buying power than the entry‑level option but aren’t ready to commit to the largest account size. It offers the flexibility to take larger positions and use varied trading strategies. Let’s break down the details of this plan.
Account Size
This plan provides $100,000 in buying power, double the amount offered by the Small Combine Plan. This increased capital allows traders to explore multiple futures markets while keeping risk under control [1].
Monthly Fee
The cost for the Medium Combine Plan is $99 per month, giving traders access to a $100K account [6].
Key Features
To qualify for funding, traders need to hit a $6,000 profit target, which represents a 6% return [6]. The plan supports a maximum position size of 10 contracts [1], offering flexibility for larger trades. Plus, there’s no time limit, so traders can focus on building consistent performance without worrying about deadlines.
Risk and Reward Balance
The plan’s structure includes a $3,000 maximum loss limit, creating a 2:1 reward‑to‑risk ratio when paired with the $6,000 profit target [6]. Additionally, there’s a $1,500 daily loss limit, ensuring that traders maintain discipline and avoid excessive risk. This balanced approach helps traders aim for their profit goals while keeping their exposure in check.
3. Large Combine Plan
The Large Combine Plan is Topstep's top‑tier option, designed for seasoned traders who need extensive buying power and flexible risk management.
Account Size
With $150,000 in buying power, this plan provides significantly more capital compared to the lower‑tier options [1]. It allows traders to spread their strategies across various futures markets while maintaining smart risk management practices.
Monthly Fee
The plan costs $149 per month [1], giving traders access to substantial capital at a competitive price.
What sets this plan apart is not just the buying power but also the advanced tools and dedicated support included.
Key Features
To qualify, traders must achieve a $9,000 profit target (equivalent to a 6% return) while adhering to a maximum of 15 contracts [1]. The plan also offers access to TopstepX™, which includes advanced charting tools, The Tilt™ Indicator, a built‑in Trade Copier, and commission‑free trading. Additional perks include educational resources, quick payouts, free group coaching, and responsive support [1].
Risk and Reward Balance
This plan incorporates a structured risk management system with a $4,500 maximum loss limit, creating a 2:1 reward‑to‑risk ratio when paired with the $9,000 profit target [1]. This balance aligns with Topstep's commitment to fostering trader growth. With its premium features, the Large Combine Plan stands out as a vital choice in Topstep's range of offerings.
Plan Comparison: Pros and Cons
Topstep Trading Combine offers a range of plans tailored to different trading styles, experience levels, and goals. Here's a breakdown to help you decide which plan aligns best with your trading capital, risk tolerance, and profit objectives.
| Feature | Small Combine ($50K) | Medium Combine ($100K) | Large Combine ($150K) |
|---|---|---|---|
| Monthly Cost | $49 | $99 | $149 |
| Profit Target | $3,000 | $6,000 | $9,000 |
| Maximum Loss Limit | $2,000 | $3,000 | $4,500 |
| Contract Limit | 5 contracts | 10 contracts | 15 contracts |
Let's explore the strengths and challenges of each plan.
Small Combine Highlights
The $50K plan is the most budget‑friendly option with a monthly fee of just $49. Its $3,000 profit target makes it accessible to newer traders or those with limited capital. However, the constraints are notable: a $2,000 maximum loss limit and a 5‑contract cap. These restrictions demand careful risk management and limit diversification, which might be challenging for traders still refining their strategies.
Medium Combine: The Balanced Choice
At $99 per month, the $100K plan offers a middle ground between affordability and flexibility. Traders can work with a $6,000 profit target, a $3,000 loss limit, and up to 10 contracts. This added flexibility allows for broader strategies compared to the Small Combine while still maintaining risk controls. However, the higher monthly fee might feel like a stretch for those still working on consistent profitability.
Large Combine: Advanced Features for Experienced Traders
The $150K plan is geared toward seasoned traders who need more room to execute complex strategies. With a $9,000 profit target, a $4,500 loss limit, and a 15‑contract cap, this plan offers significant trading potential. That said, the $149 monthly fee is the highest, which could make it less appealing for beginners or those hesitant about a larger financial commitment.
The 6% Target: A Shared Goal with Unique Challenges
All three plans aim for a 6% return, but the dollar amounts vary significantly. The higher profit targets in the Medium and Large Combines come with added challenges, as managing larger positions and higher loss limits requires more discipline and experience.
"Topstep has taught me many things over the last few years. I transformed as a trader." - Jay [1]
Finally, keep in mind that all plans include a one‑time $149 activation fee. Beyond that, the monthly cost becomes the key factor in choosing the right plan for your trading journey.
How to Choose the Right Plan
Picking the right Topstep Trading Combine plan starts with a good, honest look at where you stand as a trader. It’s not just about the monthly price, it’s about matching your skills and goals with a plan that makes sense for you.
Start with Your Trading Experience
If you’re new to trading (less than six months of experience), the Small Combine is a smart choice. With a $3,000 profit target, it’s designed to teach crucial risk management skills without putting too much financial pressure on you.
For those with 6–12 months of experience and a few profitable months under their belt, the Medium Combine at $99/month offers a great middle ground. It allows up to 10 contracts and sets a $6,000 profit target, giving you room to try out different strategies while keeping risks manageable.
Experienced traders with a proven track record should look at the Large Combine for $149/month. This plan is more demanding, with a $9,000 profit target and a $4,500 maximum loss limit. It’s ideal for traders who already have strong discipline and advanced risk management skills.
Evaluate Your Financial Comfort Zone
Think about your budget for trading. If $149/month feels like a stretch, it’s better to go with a less expensive plan. Financial stress can cloud your decision‑making, leading to poor trades. A good rule of thumb: your subscription fee should be no more than 10–15% of your overall trading budget. For instance, if you’ve set aside $1,000 for trading expenses, the $99 Medium Combine fits comfortably, leaving room for other tools or resources.
Assess Your Risk Management Skills
Topstep’s Maximum Loss Limit, calculated based on your end‑of‑day balance, offers a bit more flexibility compared to other evaluations [2]. But don’t let that tempt you into taking unnecessary risks. Before committing to a plan, ask yourself:
- Can you consistently string together profitable months?
- Do you have enough funds to weather inevitable losing days? [7]
The Trading Combine isn’t just about hitting profit targets, it’s a test of your discipline and ability to manage risk consistently.
Consider Your Trading Style and Goals
Your trading style plays a big role in choosing the right plan. For instance, day traders who rely on quick scalping strategies might find the 5‑contract limit in the Small Combine too restrictive. On the other hand, swing traders or those with a longer‑term approach might find it works just fine. Matching the plan to your style and goals ensures you’re setting yourself up for success.
Factor in the Total Investment
Don’t forget about additional costs like Level 2 market data, which adds $39/month [8]. These extras can make a difference in your overall expenses.
Starting with a slightly conservative plan is often the best move. You can always upgrade once you’ve proven your skills and feel ready to take on more. The goal isn’t just to pass the evaluation, it’s to build confidence and develop habits that lead to long‑term trading success.
Using LuxAlgo Toolkits and AI Backtesting for Prop Firm Success
Passing Topstep's Trading Combine requires a systematic approach and disciplined risk management, two components that align perfectly with Topstep's mission of helping traders refine their skills. Here's how LuxAlgo can enhance your performance throughout the evaluation process.
Strategy Development with AI Backtesting
LuxAlgo's AI Backtesting Assistant gives you access to an impressive library of over 6 million strategies [9]. This platform allows you to test and refine approaches tailored to meet Topstep's profit targets and risk limits. For instance, if you're working toward the Small Combine's $3,000 profit goal, you can backtest strategies to identify those that consistently deliver steady returns without exceeding maximum loss thresholds.
"LuxAlgo has really stepped my trading up. There is a setup for any style of trading you prefer, which is very nice, you don't have to put yourself in a box metaphorically speaking." - Kevin Ortega [3]
Real‑Time Alerts and Market Screening
During Topstep's evaluation, staying focused on high‑probability setups is crucial. LuxAlgo's screeners and alerts simplify this process. The platform's three main toolkits, Price Action Concepts (PAC), Signals & Overlays (S&O), and Oscillator Matrix (OSC), come equipped with dedicated screeners that filter opportunities based on your criteria. This is especially helpful when navigating Topstep's contract limits. For example, if you're operating within the Medium Combine's 10‑contract maximum, LuxAlgo's alerts can pinpoint optimal entry points while helping you manage risk effectively.
Community Support and Strategy Sharing
LuxAlgo's community of over 15,000 traders [3] provides a valuable network for sharing insights and strategies. The platform's strategy forum allows you to learn from others who have successfully passed their Trading Combines. For example, one trader used LuxAlgo indicators on USD/JPY to grow a $32 balance into over $200 profit. This example not only highlights the platform's potential but also underscores the importance of disciplined risk management during Topstep's evaluation.
Pricing That Works with Your Trading Budget
LuxAlgo offers two subscription tiers designed to complement Topstep's monthly fees. The Premium plan, priced at $39.99 per month, includes all three toolkits, screeners, and custom alert creation [3]. The Ultimate plan, at $59.99 per month, adds full access to the AI Backtesting Assistant and advanced optimization features [3]. For example, if your monthly trading budget is $1,000, combining a Topstep Medium Combine at $99 with the LuxAlgo Premium plan keeps your expenses within the recommended 10‑15% allocation.
Practical Application for Topstep Success
Selecting the right LuxAlgo tools for your Topstep plan can make a significant difference. If you're tackling the Large Combine with a $9,000 profit target, the Ultimate plan's advanced optimization engine can help fine‑tune strategies for larger position sizes. On smaller plans, the Premium tier's custom alert creator is perfect for maintaining discipline, enabling you to set notifications that align with your profit goals and minimize emotional trading.
"Premium indicators further enhance your strategy." - Eric Bland [3]
LuxAlgo also offers a 30‑day money‑back guarantee [3], giving you a risk‑free opportunity to explore its toolkits during your first month of Topstep's evaluation. This trial period helps you determine whether LuxAlgo's features align with your trading style and meet Topstep's requirements. By integrating LuxAlgo's solutions into your routine, you reinforce the disciplined trading approach needed for success.
Conclusion
The Trading Combine process is all about fostering disciplined and consistent trading habits. With a variety of Topstep Trading Combine plans tailored for everyone, from newcomers to experienced traders, choosing the right plan is the first step toward achieving success in prop trading.
Your results hinge on aligning your plan with your trading background and financial goals. Topstep’s step‑by‑step scaling model encourages steady growth through disciplined progress [10]. With more than 10,000 traders advancing to live accounts and 81,177 in payouts recorded in 2024, the platform has demonstrated its ability to nurture profitable futures traders [1].
After selecting the plan that matches your needs, the focus shifts to refining your strategy. Tools from LuxAlgo, including its TradingView toolkits and AI Backtesting platform, can elevate your Trading Combine experience by promoting a structured approach and strong risk management. The AI Backtesting Assistant helps pinpoint strategies that align with your profit objectives and risk limits, while LuxAlgo’s real‑time alerts and screening features ensure you stay on track with high‑probability opportunities and contract requirements.
FAQs
How do I choose the right Combine plan at Topstep?
When deciding between the Small, Medium, and Large Combine plans at Topstep, it's important to weigh your trading experience, risk tolerance, and financial goals. Smaller plans come with lower costs and simpler profit targets, making them a solid choice for those just starting out. Meanwhile, larger plans provide access to bigger account sizes and the potential for higher earnings, but they demand more consistency, advanced risk management, and the ability to handle higher trading volumes.
Think about how comfortable you are trading larger sums and how much time and effort you can commit to managing these accounts. Choose the plan that best matches your current skill set and trading goals to set yourself up for success.
What is the risk‑to‑reward balance in Topstep Trading Combine plans, and why does it matter?
The risk‑to‑reward balance in Topstep Trading Combine plans is all about how traders handle potential losses compared to their expected gains on each trade. For example, a trader might use a ratio like risking $50 to aim for a $150 profit. The idea is simple: ensure the potential reward is greater than the risk.
This concept is crucial because it helps traders safeguard their capital while working toward steady profits. By sticking to a disciplined risk management strategy, traders increase their chances of passing the evaluation phase and setting themselves up for long‑term success in the Combine plans.
How can LuxAlgo tools help me create a winning strategy for the Topstep Trading Combine?
LuxAlgo's solutions can play a key role in refining your trading strategy during the Topstep Trading Combine. By providing advanced technical analysis and real‑time market insights, these features help you stay ahead in fast‑paced trading environments. Capabilities like dynamic volatility tracking and accurate entry and exit indicators give you the confidence to make smarter decisions while keeping risks under control.
What’s more, LuxAlgo supports both short‑term and long‑term trading styles, making it easier to create strategies that align with the Combine's goals. When paired with disciplined risk management and thorough backtesting, these features can boost your chances of successfully navigating the evaluation process.
