- All four main paths pay 90/10 (the limited LaunchPad X-Daily Spark release pays 80/20), and every sim-funded withdrawal is capped until you go live.
- Elite Access: request after 5 profitable days ($200–$350+) with profit above the buffer + $500 ($2,000–$5,000). $500 minimum, $1,000–$2,500 cap.
- Elite Daily: request every 24 hours from day 1, keeping a $1,500–$4,500 buffer. $500 minimum, $750–$2,250 cap, no funded consistency rule.
- Instant Sim Funded: no evaluation. Profit target of 6% for payout 1, then 5%, then 4%, with 20% consistency and a $1,000–$3,000 cap.
- Ignite: no evaluation. 5% profit target per payout, 15% consistency, $250 minimum, $500–$2,000 cap.
Top One Futures payout rules at a glance
| Plan | Type | When you can request | Min | Cap per request | Funded consistency |
|---|---|---|---|---|---|
| Elite Access | One-time $39 eval + activation | After 5 profitable days, above buffer + $500 | $500 | $1,000–$2,500 | 40% |
| Elite Daily | Monthly evaluation | Every 24 hours from day 1, above the buffer | $500 | $750–$2,250 | None |
| Instant Sim Funded | One-time, no eval | At the 6% → 5% → 4% profit target | Not stated | $1,000–$3,000 | 20% |
| Ignite | One-time, no eval | At the 5% profit target (no minimum days) | $250 | $500–$2,000 | 15% |
All four paths above: 90/10 split. Ranges run 25K → 150K. Source: help.toponefutures.com and toponefutures.com, read Oct 23, 2026.
From the 2nd payout on the Elite plans, at least 50% of each payout must be new profit made since the previous payout (Top One’s “daily progression rule”). Top One says it has paid $30M+ to traders (firm-published). For prices, platforms and our take, see our Top One Futures review.
Top One Elite Access payout rules
Elite Access is a $39 one-time evaluation at every size, with no DLL and no consistency rule while you are evaluated; you can pass in a day. After passing you pay an activation fee, and the funded account adds a soft DLL and a 40% consistency rule.
| Elite Access | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| Evaluation fee | $39 one-time at every size | |||
| Activation fee (after passing) | $139 | $189 | $259 | $359 |
| Evaluation profit target | $1,500 | $3,000 | $6,000 | $9,000 |
| Max drawdown, evaluation (EOD) | $1,000 | $2,000 | $3,000 | $4,000 |
| Max drawdown, funded (EOD) | $1,000 | $2,000 | $3,000 | $3,500 |
| Funded daily loss limit (soft) | $500 | $1,000 | $1,250 | $1,750 |
| Profitable days needed (5, each at least) | $200 | $250 | $300 | $350 |
| Buffer | $1,500 | $2,000 | $3,000 | $4,500 |
| Profit needed to request (buffer + $500) | $2,000 | $2,500 | $3,500 | $5,000 |
| Minimum request | $500 at every size | |||
| Cap per request | $1,000 | $1,500 | $2,000 | $2,500 |
| Consistency | None in the evaluation · 40% funded | |||
There is no fixed “every 5 days” calendar: the homepage’s “5 Day Payouts” means 5 profitable days. Live: reviewed after 3 payouts, and only one account moves live.
Elite Access Intraday is the same plan with an intraday trailing funded drawdown and a lower activation fee ($69 / $94 / $129 / $179). News: on funded Elite accounts, no trades 2 minutes before or after high-impact news.
Top One Elite Daily payout rules
Elite Daily is a monthly-subscription evaluation with a 40% consistency rule. Once funded there is no consistency rule and you can request every 24 hours from day 1, as long as the buffer stays in the account.
| Elite Daily | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| Monthly price (list) | $178 | $218 | $398 | $549 |
| Evaluation profit target | $1,500 | $3,000 | $6,000 | $9,000 |
| Max drawdown, evaluation (EOD) | $1,000 | $2,000 | $3,000 | $4,500 |
| Max drawdown, funded (EOD) | $1,000 | $2,000 | $2,500 | $3,500 |
| Daily loss limit (eval and funded) | $500 | $1,000 | $1,250 | $1,850 |
| Buffer to keep in the account | $1,500 | $2,500 | $3,500 | $4,500 |
| Minimum request | $500 at every size | |||
| Cap per request | $750 | $1,000 | $1,500 | $2,250 |
| Consistency | 40% in the evaluation · none funded | |||
No activation fee; the subscription ends when you pass. The funded drawdown locks at the starting balance + $100. Live usually follows 5 payouts. Max 5 accounts per household, evaluation and funded combined.
Top One Instant Sim Funded payout rules
Instant Sim Funded skips the evaluation for a one-time fee. Each payout needs a profit target that shrinks over time (6% of the starting balance for payout 1, then 5%, then 4% of the balance left after each payout) and a 20% consistency rule.
| Instant Sim | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| One-time price (list) | $419 | $679 | $821 | $939 |
| Max drawdown (EOD trailing) | $1,000 | $2,000 | $4,000 | $5,250 |
| Daily loss limit | $625 | $1,250 | $2,500 | $3,000 |
| Profit target: payout 1 (6%) | $1,500 | $3,000 | $6,000 | $9,000 |
| Later profit targets | 5%, then 4%, of the balance left after each payout | |||
| Cap per request (bought on/after Jul 27, 2026) | $1,000 | $2,000 | $2,500 | $3,000 |
| Cap per request (earlier accounts) | $1,500 | $2,500 | $3,000 | $3,500 |
| Consistency | 20% (the trading day ends at 5 PM EST) | |||
Payout-1 targets in dollars are our arithmetic (6% of the starting balance). No contract scaling and no news rule. Max 5 accounts at 25K/50K, 3 at 100K/150K, all the same size.
Top One Ignite instant funding payout rules
Ignite is the cheaper instant-funding path. It has the strictest consistency rule we track (15%), small caps, and intraday-only trading rules.
| Ignite | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| One-time price (list) | $218 | $398 | $563 | $799 |
| Max drawdown (EOD trailing) | $1,000 | $2,000 | $4,000 | $6,000 |
| Daily loss limit (soft) | $500 | $1,000 | $2,000 | $3,000 |
| Profit target: payout 1 (5% of the balance) | $1,250 | $2,500 | $5,000 | $7,500 |
| Minimum request | $250 at every size | |||
| Cap per request | $500 | $1,000 | $1,500 | $2,000 |
| Consistency | 15% · no minimum days | |||
The 5% target is recalculated on the balance after each payout; dollar figures for payout 1 are our arithmetic. Live: reviewed after 3 payouts. No news rule.
- Trading rules: no overnight holds, no EAs or bots, close by 4 PM ET, and a 10-second minimum trade time.
- Accounts: up to 10, all the same size; copy trading only between Ignite accounts of the same size.
- Our reading: on 25K the first target ($1,250) is well above the $500 cap, so most of that profit stays in the account after payout 1.
Which Top One plan fits? Elite vs Instant vs Ignite
Elite Access
Best for: a $39 entry and a 1-day pass with no evaluation DLL or consistency rule.
Watch out: the $139–$359 activation fee after passing, a funded DLL and 40% funded consistency.
Elite Daily
Best for: requests every 24 hours and no funded consistency rule.
Watch out: a monthly subscription until you pass and a 40% evaluation rule.
Instant Sim Funded
Best for: skipping the evaluation with bigger caps ($1,000–$3,000) and no news rule.
Watch out: the highest one-time price ($419–$939 list) and 20% consistency.
Ignite
Best for: the cheaper way to skip the evaluation ($218–$799 list).
Watch out: 15% consistency, $500–$2,000 caps, and no overnight holds or bots.
Instant Sim Funded vs Ignite
| Instant Sim Funded | Ignite | |
|---|---|---|
| Price (25K → 150K, list) | $419–$939 | $218–$799 |
| Profit target | 6% → 5% → 4% | 5% each payout |
| Consistency | 20% | 15% |
| Cap per request | $1,000–$3,000 | $500–$2,000 |
| Minimum request | Not stated | $250 |
| Max drawdown | $1,000–$5,250 | $1,000–$6,000 |
| Daily loss limit | $625–$3,000 | $500–$3,000 (soft) |
| Trading limits | No contract scaling | No overnight, no bots, close by 4 PM ET |
| Max accounts | 5 (25K/50K) · 3 (100K/150K) | 10 |
Top One activation fees and one-time prices
| Plan | 25K | 50K | 100K | 150K |
|---|---|---|---|---|
| Elite Access: evaluation | $39 at every size | |||
| Elite Access: activation after passing | $139 | $189 | $259 | $359 |
| Elite Access Intraday: activation | $69 | $94 | $129 | $179 |
| Elite Daily: monthly (no activation fee) | $178 | $218 | $398 | $549 |
| Instant Sim Funded: one-time | $419 | $679 | $821 | $939 |
| Ignite: one-time | $218 | $398 | $563 | $799 |
List prices. Since Oct 16, 2026 an optional No-DLL add-on raises the Elite Access activation fee, and the Elite Daily and Ignite prices, by about 30%. Code CHAMP applies the current discount at checkout (60% in our data, not verified at checkout); Top One also rotates public promos.
X-Ultra is no longer available for new purchases. The current limited LaunchPad release is X-Daily Spark: 50K only, $39 evaluation, $189 activation, daily payouts ($500 minimum, $1,000 cap, $3,000 buffer), an 80/20 split, no consistency rule, and 3 accounts in total.
How to request a Top One payout
- Meet the trigger: Elite Access, 5 profitable days and profit above the buffer + $500; Elite Daily, profit above the buffer; Instant Sim, the current profit target; Ignite, the 5% target.
- Check consistency: 40% (Elite Access), 20% (Instant Sim) or 15% (Ignite). Elite Daily funded has none.
- From the 2nd Elite payout, make sure at least half of the amount is new profit since your last payout.
- Request between the minimum and the cap for your size from your Top One dashboard.
Why Top One payouts get held or denied
- Consistency over the limit for your plan (15% on Ignite is the tightest).
- Profitable days below the size minimum on Elite Access ($200–$350).
- Not enough above the buffer on Elite Access or Elite Daily.
- Less than 50% new profit on the 2nd or later Elite payout.
- A news trade within 2 minutes of high-impact news on a funded Elite account.
- Ignite trading rules: an overnight hold, a bot, or a trade under 10 seconds.
- Account rules: limits are per household and per category, accounts in a category must be the same size, copy trading is allowed only between the same plan type and size, and if anyone in the household is live no sim accounts are allowed. Other firms: how many prop firm accounts you can have.
More: how prop firm payouts work · prop firm consistency rules.
Affiliate link: PropChamps may earn a commission at no extra cost to you. It never changes the rules or numbers on this page. How we verify.