Updated 2026-03-08
Top Tier Trader Payout Split & Schedule Rule Explained
Top Tier Trader
Quick Answer
Top Tier Trader pays funded traders 90% of net profits with 24-hour payout guarantee.
The 90% payout is calculated on net profit generated in your funded account after all losses are deducted. Payouts are processed within 24 hours of request. This rule only applies during the funded phase - evaluation phases have no payouts.
Key Rule Details
Base Split
90%
Max Split
90%
Frequency
24h payout guarantee
Consistency Rule
No
Fee Refunded
No
Calculation Example
Common Mistakes
Requesting payouts during evaluation
Traders often expect to withdraw profits during Phase 1 or Phase 2 challenges, but Top Tier Trader only pays out during the funded account phase. If you make $1,000 profit during Phase 1 of a $10,000 account, you cannot withdraw $900 until you pass both phases and receive funding.
Expecting gross profit payouts
Some traders calculate payouts on gross profits rather than net profits. If you made $2,000 in winning trades but had $500 in losses on a $25,000 account, your payout is 90% of $1,500 net profit ($1,350), not 90% of $2,000 gross profit ($1,800).
Counting unrealized profit payouts
Traders sometimes request payouts on floating profits that haven't been closed. If you have $800 in open positions showing profit on a $50,000 account, you cannot withdraw $720 until those trades are closed and the profit is realized as net profit.
Forgetting fee deductions
Some traders don't account for trading fees when calculating net profits. If you generate $1,000 profit but paid $50 in commissions and spreads on a $100,000 account, your 90% payout is calculated on $950 net profit ($855), not the full $1,000 ($900).
Protection Strategies
Track net profit before requesting payouts
Maintain a detailed record of all closed trades, fees, and commissions to calculate your true net profit. Only request payouts when your account shows realized gains above your tracking threshold, ensuring you receive the full 90% on legitimate net profits.
Close profitable positions before payout requests
Always close winning trades to lock in realized profits before submitting payout requests. This ensures your 90% split is calculated on actual net gains rather than floating profits that could reverse. Wait for trade settlement before calculating payout amounts.
Set up profit milestone alerts
Configure alerts at profit levels like $500, $1,000, and $2,000 net gains to track payout opportunities. This helps you monitor when you've reached meaningful profit thresholds where the 90% payout becomes worthwhile after accounting for fees and taxes.
Avoid payout requests during active trading
Only request payouts during periods when you're not actively trading to ensure all positions are closed and profits are fully realized. This prevents complications where open trades affect your net profit calculation and reduces the 90% payout amount you receive.
Related Rules
Top Tier Trader Comparisons
Frequently Asked Questions
Disclaimer: This guide is for informational purposes only and does not constitute financial advice. Prop firm rules change regularly — always verify current terms on Top Tier Trader's official website before purchasing a challenge. Updated 2026-03-08.