How many Funded Accounts can I have with Topstep

Writen by Ngan Pham

Review by Tea - Senior Financial Analyst

July 17, 2025

16 min read

If you violate a rule on one funded account, that specific account may be closed. However, your other funded accounts (if you have them) typically remain unaffected, as each operates independently.

When you're a serious trader, the dream often goes beyond simply making a profit. It evolves into scaling your success, taking on larger positions, and diversifying your strategies. If you’ve successfully navigated a Topstep Trading Combine, a common and critical question likely comes to mind: how many funded accounts can I have with Topstep?

Understanding Topstep's policies on multiple funded accounts isn't just about curiosity; it’s about strategic planning. It directly impacts your ability to manage risk, diversify your capital, and accelerate your growth as a prop firm trader.

In this guide, we'll cut through the specifics. You'll learn the definitive answer to how many funded accounts you can hold, the mechanics behind acquiring them, and how to leverage them for your trading journey. We'll also touch on related questions about evaluation accounts and common misconceptions.

1. The core principle: Understanding Topstep's multi-account policy

Navigating the world of proprietary trading often brings up important questions about scalability. To make informed decisions, learning how to choose a prop firm can help you align your goals with the right trading platform.

With a firm like Topstep, the ability to grow isn't just an option - it’s a core part of the journey. So, let's get right to the question that brought most of you here.

1.1. Direct answer to key query: How many funded accounts can I have with Topstep?

You'll be pleased to know that, generally speaking, you can have multiple funded accounts with Topstep, but there are specific rules on the quantity depending on the account type.

Yes, multiple funded accounts are possible, with a few key rules

A crucial condition underpins this flexibility: each and every funded account you obtain must stem from a separate, successfully passed Trading Combine. However, it is critical to note the difference in limits:

You can have a maximum of five active Express Funded Accounts at one time.
You can only have one Live Funded Account (the highest-tier funded account).

When one of your accounts qualifies for and is upgraded to a Live Funded Account, all other Express Funded Accounts will be closed. This rule ensures that top-tier traders focus on a single, primary account while still allowing for flexibility during the initial stages.

1.2. Distinguishing account types

Understanding the different types of funded accounts Topstep offers helps clarify the multi-account policy.

Express Funded Accounts: These are often a trader's first step into live trading with Topstep's capital. They provide immediate access to a funded account once you pass your Combine, with specific scaling rules based on your performance. Think of them as a fast track for those ready to prove their mettle right away.
Funded Level Accounts: These represent a more advanced stage in a trader's journey with Topstep. They typically come with higher capital allocations and more favorable profit splits, reflecting a deeper level of trust and demonstrated proficiency.

The important takeaway is that the rule about requiring a separate, successful Trading Combine applies equally to both. Whether you're aiming for multiple Express Funded Accounts or looking to build a portfolio of Funded Level Accounts, the path remains the same: each account requires its distinct validation.

Think of it this way: each Trading Combine is a separate test. Just because you succeeded with one account doesn't mean you get a free pass for another.

Topstep wants to see you replicate that success consistently, proving your skill isn't just a fluke. Each funded account is its standalone proof of performance.

2. The mechanics of acquiring multiple funded accounts with Topstep

So, you understand that having multiple funded accounts with Topstep is possible, provided you pass separate Trading Combines for each. Now, let’s get into the practical steps and underlying principles of how this actually works. This isn't just theory; it’s about the tangible process you'll follow.

2.1. The path to your next funded account

Acquiring an additional funded account isn't magic; it's a testament to your consistent skill.

Step 1: Pass another Trading Combine: This is non-negotiable. To secure a second, third, or even fourth funded account, you must enroll in and complete a new Trading Combine for each one. Think of it as proving your consistency, time and again, to Topstep. Each successful Combine demonstrates your ability to meet their performance objectives and risk parameters.
Step 2: Account segregation: Once funded, each of your Topstep accounts operates as an entirely independent entity. They are not linked in terms of performance or risk limits. This means each account has its distinct profit targets, trailing maximum drawdown limits, and daily loss limits. Your performance in one account doesn't directly impact the status of another.

This leads to a crucial point often misunderstood by traders: you cannot combine the balances from multiple funded accounts into a single, larger trading account. This is a common misconception. Topstep’s model focuses on individual account performance and risk management, rather than consolidating capital from different evaluations.

2.2. Why segregation matters (for the trader)

The independent nature of each funded account with Topstep isn't a limitation; it’s a strategic advantage for astute traders.

Enhanced risk management: One of the biggest benefits is the inherent risk compartmentalization. If, for instance, one of your accounts experiences a difficult trading day and hits its daily loss limit or trailing maximum drawdown, your other funded accounts remain unaffected. This prevents a single setback from derailing your entire trading operation with Topstep.
Strategy diversification: Having separate accounts offers an excellent opportunity to diversify your trading strategies or even focus on different asset classes. You might use one account for your preferred intra-day scalping strategy on a highly liquid market, while another could be dedicated to swing trades on a different instrument. This allows for focused experimentation and specialization without co-mingling risk.
Psychological benefits: From a psychological standpoint, separate accounts can help compartmentalize your trading decisions. It can reduce the emotional impact of a loss in one account, as you know your other accounts are still active and capable of generating profits. This clear separation can foster a more disciplined and less emotionally driven trading approach.

3. Strategic advantages & considerations of managing multiple Topstep accounts

Now that we’ve covered the "how," let’s explore the "why." Managing multiple funded accounts with Topstep isn’t just about proving yourself repeatedly; it’s a strategic move that can significantly amplify your trading potential. However, like any powerful tool, it comes with its own set of considerations.

3.1. Leveraging multiple accounts for growth

For the disciplined trader, acquiring more than one funded account can be a game-changer.

Scaling capital: While Topstep doesn't combine your account balances, having multiple funded accounts effectively allows you to trade a larger aggregate capital pool. For instance, two $150,000 funded accounts give you access to the same total capital as a single $300,000 account, but with the added benefit of segregated risk. This is how many traders subtly scale their operations without violating individual account limits.
Diversifying strategies: Imagine dedicating one account to your go-to trend-following strategy, while another is used for exploring mean-reversion tactics. Multiple accounts provide the perfect sandbox for implementing different trading styles across varied market conditions or asset classes. You could have one account solely for crude oil futures and another for E-mini S&P 500 futures, allowing for specialized focus.
Optimized risk allocation: This approach allows for a more granular distribution of risk. By spreading your exposure across distinct accounts, you can potentially reduce your overall portfolio volatility. A drawdown in one account, while challenging, doesn't necessitate halting trading across all your capital, as it might with a single, larger account.

3.2. Practical challenges & best practices

While the advantages are clear, managing multiple Topstep accounts isn't without its demands.

Increased management overhead: Let's be honest, juggling multiple accounts requires a heightened level of discipline and meticulous organization. You'll need to track performance, manage risk, and adhere to rules for each account individually. It's a commitment that demands your full attention.
Software & platform management: If you're trading different instruments or using varied strategies, you might find yourself managing multiple logins or workspaces within your trading platform. While Topstep primarily uses futures platforms like NinjaTrader, setting up separate profiles or layouts can streamline the process of monitoring each account effectively.
Maintaining consistency: The biggest hurdle I've seen traders face is replicating consistent performance across several distinct accounts. Each combine you pass demonstrates your skill, but applying that same discipline and edge day in and day out across multiple live accounts is where the true challenge lies. It's about maintaining focus, not just during the evaluation, but continually.

Multiple accounts, multiple responsibilities, one disciplined trader

Here's a pro-tip I've seen successful traders use: they don't treat all their accounts the same. They'll have their main "bread and butter" account where they run their strongest strategy on familiar markets.

Then, they use another account as a "lab" - a place to test new strategies or trade more volatile products without risking their primary income stream. This calculated approach is the key to achieving both stability and growth.

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4. Topstep's philosophy on scaling and trader development

Topstep permits, and in many ways encourages, traders to operate more than one funded account. This isn't a random allowance; it ties directly into their core philosophy as a prop trading firm. They've built a model designed to identify and nurture genuinely skilled traders.

4.1. Why Topstep encourages scaling (within limits)

Topstep's structure is fundamentally about rewarding consistent, disciplined performance.

Their model is intrinsically designed to reward consistent performance. By allowing traders to manage multiple funded accounts, they create a clear pathway for those who consistently demonstrate profitability and sound risk management. It's a merit-based system where repeated success unlocks greater opportunities.
It offers a clear progression path for skilled traders. Instead of hitting a ceiling after securing one funded account, traders have the option to continue growing their trading capital by successfully navigating additional Combines. This fosters a long-term relationship based on mutual benefit.
Crucially, it allows them to manage risk effectively across their entire pool of funded traders. By keeping each account separate and requiring individual qualification, Topstep can maintain granular control over its exposure. It ensures that even with multiple accounts, the firm's overall risk remains diversified and manageable.

4.2. What Topstep looks for in multi-account holders

Becoming a multi-account trader with Topstep isn't just about passing tests; it’s about embodying the qualities of a professional.

Adapt your strategy, respect the conditions and manage with precision

Proven consistency: This is paramount. Topstep isn't interested in one-hit wonders. Repeatedly passing the Trading Combine and then maintaining profitability across multiple funded accounts demonstrates an exceptional level of discipline, adaptability, and a deep understanding of market dynamics.
Adaptability: The markets are constantly evolving. A trader managing multiple accounts needs to show they can adapt their strategies to different market conditions, asset classes, and even varying risk parameters across their accounts. It speaks to a robust trading mindset.
Adherence to rules: With more capital comes greater responsibility. Topstep expects strict compliance with all trading rules and risk parameters for each account. It's not enough to be profitable; you must also be disciplined and responsible in every single operation you undertake.

Beyond the direct question of how many funded accounts you can hold, traders often have related queries, particularly concerning the initial evaluation phase and the concept of "copy trading." Let's clarify these points, as they are crucial for a complete understanding of Topstep's operational framework.

5.1. How many Topstep evaluation accounts can you have?

This is a very common and practical question. While our main focus is on funded accounts, it's important to understand the preceding step. You can enroll in multiple Trading Combines (which are your evaluation accounts) simultaneously or sequentially.

Each Combine, however, will require a separate fee, reflecting the resources and opportunity Topstep provides for each evaluation attempt.

Think of each Trading Combine as a distinct trial. If you pass one, you get a funded account. If you want another funded account, you simply start a new Combine.

This flexible approach allows ambitious traders to pursue multiple funding opportunities in parallel, or to simply try again if an initial attempt doesn't go as planned. It's the direct precursor to having multiple funded accounts in the first place.

5.2. Topstep and copy trading

The concept of "copy trading" is increasingly popular, and it's essential to understand Topstep's position on it.

General stance: Contrary to a common misconception, Topstep allows and supports copy trading between your own Trading Combines or Express Funded Accounts. It is considered an effective management tool for traders operating multiple accounts simultaneously. Topstep provides an integrated "Trade Copier" tool on their TopstepX™ platform to make this process seamless.

What to keep in mind: The purpose of allowing copy trading is to consistently manage positions across your accounts. However, Topstep strictly prohibits using a trade copier to engage in forbidden strategies, such as executing opposing (hedged) trades across different accounts.

Hedging across accounts using trade copiers is strictly prohibited

Recommendation: Always check Topstep's official rules and FAQ for the most up-to-date and detailed information on how to properly use their trade copier. Adhering to the rules ensures you can leverage this feature without risking a violation.

6. Tips for successfully managing multiple Topstep-funded accounts

Achieving the status of a multi-account funded trader with Topstep is a significant accomplishment. However, the true test lies not just in acquiring these accounts but in effectively managing them for sustained profitability. Here are some insights and best practices to help you navigate this advanced stage of your trading journey.

6.1. Master one, then expand

It might sound counterintuitive in a discussion about multiple accounts, but the best strategy is often to first achieve consistent profitability with one funded account before attempting to manage more.

Build your base, then scale with strength

Rushing into multiple accounts without a proven track record on a single one can dilute your focus and spread your risk management too thin. Build a solid foundation, then scale.

6.2. Robust trading plan for each

Just as each funded account is independent, so too should be its operational blueprint. Stress the importance of having a distinct trading plan for each account. This doesn't mean you need wildly different strategies.

It could be a variation of your core approach, tailored to specific instruments or market hours for that particular account. A clear plan for each helps maintain discipline and avoids mixing up risk parameters.

6.3. Advanced risk management

While Topstep sets individual limits for each account, a savvy trader implements portfolio-level risk management that goes beyond those individual account limits. Consider your total capital across all accounts.

How much exposure are you comfortable with across your entire Topstep portfolio? This overarching perspective helps you avoid situations where a series of small losses across multiple accounts could aggregate into a significant overall drawdown.

6.4. Leverage technology

Efficiently monitoring multiple accounts requires smart use of your trading tools. Learn how to use your trading platforms effectively to monitor multiple accounts.

This might involve setting up separate workspaces, using different chart layouts for each account, or utilizing specific alert functions that keep you informed of performance or rule breaches without constant manual checks. Technology is your friend when juggling multiple responsibilities.

6.5. Continuous learning & adaptation

The financial markets are dynamic. What works today might need adjustment tomorrow. Therefore, continuous learning and adaptation are non-negotiable. This applies even more acutely when managing multiple accounts.

Stay abreast of market changes, refine your strategies, and be prepared to adjust your approach across your accounts as conditions evolve. Your ability to adapt will be key to long-term success.

7.1. Can I combine my funded accounts with Topstep?

No, Topstep does not allow you to combine the balances or capital from multiple funded accounts into a single, larger account. Each funded account remains separate and operates independently.

7.2. What happens if I violate a rule on one Topstep-funded account?

If you violate a rule on one funded account, that specific account may be closed. However, your other funded accounts (if you have them) typically remain unaffected, as each operates independently.

7.3. Do I need to pay for each new Trading Combine if I want another funded account?

Yes, each Trading Combine you enroll in, regardless of whether it's your first or a subsequent attempt to gain another funded account, requires a separate fee.

7.4. Is it harder to manage multiple funded accounts?

Managing multiple funded accounts can be more challenging. It requires increased discipline, meticulous organization, and a robust trading plan for each account, along with an overarching risk management strategy.

8. Conclusion: Maximizing your Topstep journey

Navigating the world of proprietary trading with Topstep opens doors to significant opportunities for dedicated traders. We’ve thoroughly explored the ins and outs of a common, yet critical question: how many funded accounts can I have with Topstep?

The answer, as we’ve seen, isn't a simple number, but a strategic pathway built on consistency and adherence to Topstep's robust framework.

In essence, having multiple Topstep-funded accounts is indeed possible, but it comes with a clear set of requirements. Each additional funded account necessitates successfully passing a separate Trading Combine. This isn't a hurdle, but rather Topstep's method of ensuring disciplined, repeatable trading that ultimately benefits both the firm and you, the trader.

This opportunity empowers skilled traders to significantly scale their potential without taking on personal capital risk. It allows for advanced portfolio management, strategy diversification, and a refined approach to risk allocation across independent trading vehicles.

Ready to dive deeper into the world of proprietary trading and refine your strategies? Explore our comprehensive guides and resources within https://h2tfunding.com/blog/ and Prop Firm & Trading Strategies section on H2T Funding to further enhance your journey.