At a glance
- The official 50K maximum loss allowance is $2,000.
- The floor updates from end-of-day gains and is enforced during the session.
- The funded-stage balance is not the same as the evaluation’s nominal starting balance.
Hypothetical 50K account path from the worked example. Day 2 closing room is $50,300 − $48,800 = $1,500; intraday enforcement still applies.
What the 50K loss allowance means
Topstep’s official maximum-loss page assigns a $2,000 allowance to the 50K account. For the Trading Combine, the initial balance is $50,000 and the initial floor is $48,000. The floor rises with end-of-day gains, does not move back down and locks when it reaches the initial balance. Monitoring includes unrealized P&L during the session.1
An illustrative balance path
Consider this hypothetical sequence under those mechanics. Ignore fees and assume each balance shown is the closing balance.
| Point | Closing balance | Loss floor | Closing room |
|---|---|---|---|
| Start | $50,000 | $48,000 | $2,000 |
| Day 1 | $50,800 | $48,800 | $2,000 |
| Day 2 | $50,300 | $48,800 | $1,500 |
| Day 3 | $52,400 | $50,000 | $2,400 |
Day 2 is the important comparison: the balance falls $500, but the floor stays where the earlier gain moved it. The remaining closing room is smaller. Day 3 illustrates the lock at the initial balance rather than indefinite upward trailing.
An end-of-day update is not an end-of-day-only check
A closing-balance table cannot establish that every intraday moment stayed above the floor. An open position can cross the threshold before recovering. Separate the value that updates the floor from the value monitored for a breach.
For an illustrative floor of $48,800, an intraday equity reading of $48,700 is below it even if the account later closes at $49,200. When a threshold is monitored continuously, waiting for the closing statement misses that event. Actual liquidation fills and slippage are separate from the initial breach observation.
Do not carry the evaluation balance into the funded stage
Topstep separately describes the Express Funded Account as starting at zero, with the account label referring to buying power. Its documentation also describes a loss-floor change after the first payout. Read the relevant account-stage section before interpreting a withdrawal’s effect.1
Write down three figures after any stage change: actual balance, enforced floor and the gap between them. That gap is more useful for understanding available room than the nominal account label.
A breach and subscription cancellation are separate events
The Trading Combine subscription documentation says a rule violation does not automatically cancel recurring billing. Check the account dashboard and cancellation terms rather than assuming a trading stop ends the payment obligation.2
Continue with the Topstep profile, billing comparison and drawdown calculator. This review covers the named mechanics, not every current fee or payout requirement.
Sources & dates
Primary pages accessed on . A source can change after publication. The examples above are not a claim about a program’s current price.
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