How to make homemade top coat depends on whether you mean for house painting, woodworking, or nails, but you can make simple DIY top coats with common materials. For wood furniture as protective topcoat over paint or stain, you can make homemade polyurethane alternative by mixing clear acrylic medium with water, but better is to make oil based topcoat by mixing boiled linseed oil with varnish and mineral spirits in equal parts for Danish oil finish that provides protection. Another homemade wood topcoat is beeswax polish made by melting beeswax with mineral oil or coconut oil, then applying thin coat and buffing for soft sheen. For crafts and paintings, you can make homemade Mod Podge style topcoat by mixing white PVA glue with water in ratio 2 parts glue to 1 part water, add small amount of varnish for durability, and use as sealer. For nails, homemade top coat is not recommended as chemistry is specific, but clear nail polish can be used. For house walls, you cannot truly make homemade topcoat that matches durability of manufactured paint, as paint requires specific resins and pigments, so you should buy proper topcoat paint. So homemade top coat is possible for wood and crafts using wax, oil, or glue based mixtures, but for house and car, commercial topcoat is necessary for durability.
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