Topstep vs My Funded Futures: Compared Rule by Rule for 2026
Topstep and My Funded Futures represent the two ends of the futures prop cost spectrum. Topstep charges a monthly subscription and offers the only credible live-capital pathway; MFFU charges a one-time fee and pays purely from simulated accounts.
At 100K: Topstep from $99/month, My Funded Futures from $169.
Side-by-side comparison
| Rule | Topstep | My Funded Futures |
|---|---|---|
| Markets | Futures (CME) | Futures (CME) |
| Watchlist | on watchlist | No |
| Evaluation | 1-Step (Combine) | 1-Step (Core/Rapid/Pro/Flex/Builder) |
| Account sizes | $50K, $100K, $150K | $5K, $10K, $20K, $25K, $50K, $100K, $150K |
| Fee (100K) | $99/month | $169 |
| Profit split | 90% | 70 to 90% |
| Max drawdown (100K) | $3,000 | $3,000 |
| Drawdown type | End-of-day trailing | End-of-day trailing |
| Daily loss (100K) | n/a | $1,750 |
| Consistency rule | 55% | n/a |
| Min trading days | n/a | 1 |
| First payout | 3 days | 2 days |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed (limited) | Allowed (no HFT) |
| Weekend holding | Not allowed | Not allowed |
| US traders | Yes | Yes |
| Trustpilot | Trustpilot profile |
Verdict
Pick Topstep if the live-funded pathway and long track record justify the subscription. Pick MFFU if the one-time fee and on-demand payouts matter more than the live-market bridge.
Heads up: Topstep has announced model changes in the past 90 days. We re-audit watchlisted firms every 7 days; double-check the live rules page before purchasing.
Topstep strengths
14 year track record, live funded account pathway, breakeven drawdown lock
Topstep weaknesses
Monthly subscription model, tightest drawdown in industry, slower monthly payouts
My Funded Futures strengths
No daily loss limit, ultra fast payouts, path to live capital
My Funded Futures weaknesses
Monthly subscription, strict HFT restrictions, newer track record