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.
Side-by-side comparison
| Rule | Topstep | My Funded Futures |
|---|---|---|
| Markets | Futures (CME) | Futures (CME) |
| Audited variants | 3 on watchlist | 5 |
| Evaluation | 1-Step (Combine) | 1-Step (Core/Rapid/Pro/Flex/Builder) |
| Account sizes | $50K, "00K, "50K | $25K, $50K, "00K, "50K |
| Fee (100K) | "49/month | ~"07/month |
| Profit split | 90% (100% first "0K legacy only) | 80 to 90% (plan-specific) |
| Max drawdown | ~3% Trailing (locks at breakeven) | $2K to $3K trailing (plan-specific) |
| Drawdown type | Trailing | Trailing |
| Daily loss | 2% (optional on eval; enforced on Live) | None (no DLL) |
| Consistency rule | Soft (40% on XFA path) | None on Rapid / 50% best-day on Builder & Flex |
| Min trading days | 1 winning day ($200+) | 1 (Starter/Expert) |
| Payout speed | 3 to 7 days | ~1 minute (reported) |
| Payout frequency | Weekly (50% / $5K cap, $6K on XFA) | Daily (Rapid) / Weekly (Builder, Flex) |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed (limited) | Allowed (no HFT) |
| Weekend holding | Not allowed | Not allowed |
| Scaling cap | Multiple accounts + Live Funded | "00K payout cap; path to live |
| US traders | Yes | Yes |
| Trustpilot | 3.5 (10,000+) | 4.9 (4,000+) |
| Value score | 79 | 84 |
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 (2%/3%), slower monthly payouts
My Funded Futures strengths
No daily loss limit, ultra fast payouts (~1 min), 100% first "0K, path to live capital
My Funded Futures weaknesses
Monthly subscription, strict HFT restrictions, newer track record