Topstep vs My Funded Futures – Prop Firm Comparison
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Introduction
Topstep and My Funded Futures are both futures prop firms built around CME Group markets, which makes them direct competitors for traders who want funded access to contracts like ES, NQ, CL and GC. Topstep, founded 2012 (Chicago, IL) funds $50K / $100K / $150K accounts on CME futures, keeps flat 90/10 (new); 100% of first $10K then 90/10 (legacy), and runs single-phase Trading Combine, with standard, daily after 30 win days. My Funded Futures, founded 2023 (United States) funds Core (to $50K), Rapid, Pro plans accounts on CME futures, keeps up to 90% (plan-dependent), and runs core, Rapid and Pro plans, with standard processing, 2+ years clean payout history. Topstep is best for traders who want the most established firm and a large community, while My Funded Futures suits cost-conscious futures traders who want cheap entry and a flexible Pro plan.
Quick Facts
| Feature | Topstep | My Funded Futures |
|---|---|---|
| 
| |
| Founded | 2012 | 2023 |
| Profit Split | 90% trader share; first-$10,000 lifetime-profit exception for traders who joined the new dashboard before Jan 12, 2026 | Rapid Intraday and Rapid EOD Are Different Plans — Rapid: 90% Rapid Intraday and Rapid EOD Are Different Plans — Rapid EOD: 90% Rapid Intraday and Rapid EOD Are Different Plans — Pro: 80% Rapid Intraday and Rapid EOD Are Different Plans — Builder: 80% |
| Maximum Account Size | $150,000 | $150,000 |
| Evaluation Phases | 1 | 1 |
| Trustpilot Rating | 3.4 | 4.9 |
| Expert Grade | 9 | 7.9 |
Program Types
| Program | Topstep | My Funded Futures |
|---|---|---|
| Entry Level Program | Yes | Builder |
| Advanced Program | — | Pro |
| Scaling Options | No | Yes |
| Demo Account | No | Yes |
Rules & Assessment
| Criteria | Topstep | My Funded Futures |
|---|---|---|
| Profit Target | Trading Combine Parameters — 50,000: 3,000 Trading Combine Parameters — 100,000: 6,000 Trading Combine Parameters — 150,000: 9,000 | Normally 6%; Pro 50k one-day add-on: $4,000 (8%) |
| Maximum Drawdown | Trailing MLL: $2,000-$4,500 | Plan/size-specific EOD evaluation limits; standard Rapid Sim Funded intraday, Rapid EOD/Pro/Builder EOD |
| Minimum Trading Days | Trading Combine can pass in as few as 2 days, subject to 55% consistency; funded payout paths have separate day requirements | Builder 1; standard Rapid/Pro 2; Rapid EOD 4; eligible Pro add-on 1 |
| News Trading | Yes | Evaluations/Builder: T1 allowed; Rapid/Pro Sim Funded: restricted around T1 releases |
| Daily Loss Limit | Trading Combine Parameters — 50,000: Optional (1,000) Trading Combine Parameters — 100,000: Optional (2,000) Trading Combine Parameters — 150,000: Optional (3,000) | Rapid Intraday and Rapid EOD Are Different Plans — Rapid: None Rapid Intraday and Rapid EOD Are Different Plans — Rapid EOD: None Rapid Intraday and Rapid EOD Are Different Plans — Pro: None Rapid Intraday and Rapid EOD Are Different Plans — Builder: Soft pause varies by size |
| Maximum Contracts | Trading Combine Parameters — 50,000: 5 (50 micros) Trading Combine Parameters — 100,000: 10 (100 micros) Trading Combine Parameters — 150,000: 15 (150 micros) | — |
Fees & Pricing
| Option | Topstep | My Funded Futures |
|---|---|---|
| Futures $25K Account | Not listed in review pricing source | Rapid / USD 109 / Monthly Rapid plan, no activation fee. 25K/100K/150K prices from recorded research; 50K list price cross-checked against official Rapid page. Source Checked 2026-08-09 |
| Futures $50K Account | Trading Combine / USD 49 / Monthly Standard Trading Combine monthly price. Source Checked 2026-08-10 | Rapid / USD 157 / Monthly Rapid plan, no activation fee. List price shown beside current promotion. Source Checked 2026-08-09 |
| Futures $100K Account | Trading Combine / USD 99 / Monthly Standard Trading Combine monthly price; tier was marked temporarily on hold when verified. Source Checked 2026-08-10 | Rapid / USD 267 / Monthly Rapid plan, no activation fee. 25K/100K/150K prices from recorded research; 50K list price cross-checked against official Rapid page. Source Checked 2026-08-09 |
| Futures $150K Account | Trading Combine / USD 199 / Monthly Standard Trading Combine monthly price. Source Checked 2026-09-27 | Rapid / USD 347 / Monthly Rapid plan, no activation fee. 25K/100K/150K prices from recorded research; 50K list price cross-checked against official Rapid page. Source Checked 2026-08-09 |
| Refund Policy | — | — |
| Coupons / Discount | Topstep discount | My Funded Futures discount |
Platforms & Markets
| Feature | Topstep | My Funded Futures |
|---|---|---|
| Trading Platforms | TopstepX; Quantower connectivity for Trading Combine and Express Funded accounts | NinjaTrader, Tradovate, TradingView, Quantower, Volumetrica, ATAS, DeepChart/DeepDom |
| Forex | Currency futures, not spot Forex | No |
| Stocks | No | No |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | No | No |
| Bonds | Yes | Yes |
| EA/Algo Trading | Yes | Yes |
Payout
| Feature | Topstep | My Funded Futures |
|---|---|---|
| Payout Terms | $125 minimum; eligibility by funded-account path, not a bi-weekly schedule. XFA Standard: 5 winning days of $150+; XFA Consistency: 3 trading days and 40% consistency. Balance limits, account caps and method availability apply. | Rapid: daily eligibility; Pro: 14-day cycle; Builder: 2+ days per cycle. Buffer, profit and plan-specific minimums/caps apply. |
| See all prop firm payouts → | ||
Verdict
| Key Element | Topstep | My Funded Futures |
|---|---|---|
| Strengths | Trading Combine has no maximum completion deadline while the subscription remains active; automated strategies permitted subject to rules; 90% current trader share; Standard or Consistency Express payout paths. Daily-loss-limit arrangements vary. | No activation fees, Rapid Intraday or EOD choice, 90% Rapid split, One-time new evaluations, Builder news trading allowed |
| Weaknesses | Recurring Combine subscription; $149 XFA activation on Standard pricing path; futures-only; end-of-day trailing MLL can be breached intraday on unrealised losses | Standard Rapid intraday equity trailing, Builder payout consistency and caps, Rapid/Pro funded news restrictions, Program-specific account limits, Legacy terms differ |
| Best For | Serious futures traders seeking established firm with forgiving evaluation | Futures traders seeking platform flexibility and zero activation fees |
Conclusion and Final Recommendation
Choose Topstep if you want a cheaper entry, from USD 49 and coverage of forex that the other does not offer. Choose My Funded Futures if a lower 2-day minimum and a demo account to test the platform first matter more to you. Neither firm is better in the abstract. The right choice depends on your strategy, your budget and the instruments you trade, so read both full reviews before you commit. Verify current rules and pricing on each firm’s own site before purchasing.
Frequently asked questions
What should I know about Topstep’s programs?
Topstep distinguishes Express Funded Account Standard and Consistency paths, followed by a separate Live Funded Account stage. Topstep official rules.
What should I know about My Funded Futures’s programs?
My Funded Futures separates Rapid, Builder and Pro plans, with different payout eligibility and live-transition rules. My Funded Futures official rules.
How do payouts differ between Topstep and My Funded Futures?
The current payout policy lists a 90/10 split and a $125 minimum. Standard requires five winning days of $150 or more; Consistency requires three days and a 40% consistency target. Requests are subject to account-size caps. Topstep official rules.
Rapid lists daily eligibility, a required buffer, a $500 minimum and a 90% share for the applicable current sim-funded plans. Builder and Pro list 80%; Pro requests run on a 14-calendar-day schedule with a $1,000 minimum. My Funded Futures official rules.
Which account rules matter when comparing Topstep and My Funded Futures?
Express payouts are generally limited to 50% of account balance up to the applicable cap. Legacy eligibility and optional daily-loss-limit arrangements can change the caps or split treatment. Topstep official rules.
Rapid first-payout eligibility starts 24 hours after the first trade only if buffer and profit requirements are met. Builder has a 50% consistency requirement and account-size caps. My Funded Futures official rules.
Is Topstep or My Funded Futures automatically the better choice?
No, neither firm is the automatic pick, and the honest answer depends on how you actually trade.
Topstep Strengths: Industry pioneer and generous first $10K profit split. Watch-outs: Monthly subscription fees compound and $149 activation fee. Best suited to: Serious futures traders seeking established firm with forgiving evaluation.
My Funded Futures Strengths: No activation fees and Six platform options. Watch-outs: Founded 2023 shorter track record and Rapid plan intraday trailing drawdown more punishing. Best suited to: Futures traders seeking platform flexibility and zero activation fees.
Which one wins for you depends on how each firm measures drawdown, what the account actually costs once resets and add-ons are included, and the evaluation objectives on the exact size you buy, rather than on the headline numbers. Check both sets of current terms before you fund an account.
Are Topstep and My Funded Futures both futures-only?
Yes. Both fund traders on CME Group futures – index, energy, metals and currency contracts. Neither offers forex or CFD funded accounts, so the choice comes down to rules, platforms and payouts rather than markets.
Which firm pays out faster?
Topstep offers standard, daily after 30 win days, while My Funded Futures offers standard processing, 2+ years clean payout history. Match the payout cadence to how often you plan to withdraw.
Which firm has the better profit split?
Topstep keeps flat 90/10 (new); 100% of first $10K then 90/10 (legacy), and My Funded Futures keeps up to 90% (plan-dependent). The better deal depends on the account tier and how far you scale.
Does either firm offer instant funding?
Topstep requires an evaluation, while My Funded Futures offers one (pro plan: full contract size from day one).
Which firm gives more platform choice?
Topstep supports TopstepX only (new accounts since July 2025), while My Funded Futures supports Tradovate, NinjaTrader, TradingView, Quantower, ATAS, Volumetrica.
How We Compared Topstep and My Funded Futures
Both firms carry a JoinProp Rating out of 10, scored on the same nine weighted factors, led by payout reliability at 20%, then fee structure, drawdown rules and profit split at 15% each. The scores come from our own firm reviews, built from each firm’s current terms rather than its marketing pages and re-checked at least every 90 days. Affiliate relationships have no effect on any rating, and ratings are never sold. The tables above are the evidence behind those scores. Read our full ranking methodology.
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