Prop Firms/My Funded Futures vs Topstep

My Funded Futures vs Topstep: Which Prop Firm Is Better in 2026?

Side-by-side comparison of rules, drawdown limits, payout ratios, and evaluation structure. Both firms tracked automatically with FundedOps — no more manual rule-checking.

My Funded Futures

Full review

Max DrawdownVaries by plan — EOD trailing (Pro), intraday trailing (Rapid), EOD static (Flex), fixed-buffer (Builder)

Profit Target6% (most plans)

PayoutUp to 90% (Rapid 90/10; most other plans 80/20)

Categoryfutures

⚡ 50% off Builder evals with code BUILDER50OFF (one per user); 20% off Rapid evals & resets with code RAPID (lifetime); 5% off Rapid/Flex/Pro for new users with code MFFU; no daily loss limit on Rapid/Pro funded; plans — Rapid, Builder, Flex, Pro

Topstep

Full review

Max DrawdownTrailing MLL — $2k (50k) / $3k (100k) / $4.5k (150k); trails up on end-of-day balance, breach monitored in real time (incl. unrealized P&L), locks at starting balance

Profit Target6%

Payout90/10 split from first dollar (100% of first $10k only for pre-Jan-12-2026 members)

Categoryfutures

⚡ Adding a Daily Loss Limit at checkout doubles XFA payout caps (limited-time offer)

RuleMyTopstep

Max DrawdownVaries by plan — EOD trailing (Pro), intraday trailing (Rapid), EOD static (Flex), fixed-buffer (Builder)Trailing MLL — $2k (50k) / $3k (100k) / $4.5k (150k); trails up on end-of-day balance, breach monitored in real time (incl. unrealized P&L), locks at starting balance

Drawdown TypeBothTrailing

Profit Target6% (most plans)6%

Payout RatioUp to 90% (Rapid 90/10; most other plans 80/20)90/10 split from first dollar (100% of first $10k only for pre-Jan-12-2026 members)

Min Trading Days2 trading days (all evaluations)Min 2 days to pass Combine (one-day pass not allowed); funded payout via 5 winning days ($150+) or 3-day Consistency path

News Trading Allowed

Weekend Holding

Consistency Rule50% in all evals (Rapid/Flex/Pro; Pro one-day pass exempt) — exceeding it just extends the eval; none on Rapid fundedCombine: best day must stay below 50% of the profit target; funded (XFA) Consistency path: 40%

My Funded Futures — Overview

My Funded Futures (MFF) is a US-based futures prop firm with a streamlined plan lineup — Rapid (intraday trailing, 90/10, payouts every 24 hours), Builder (48-hour payouts), Flex, and Pro. All evaluations share one ruleset: a 2-day minimum and a 50% consistency rule (exceeding it doesn't fail you — you just trade more days). Rapid funded accounts have no daily loss limit and no consistency rule.

Only 2 minimum trading days — pass quickly

Eval consistency rule is soft — exceeding 50% just extends the eval

No consistency rule on Rapid funded accounts; payouts every 24 hours on Rapid

50% consistency rule in all evaluations (Rapid/Flex/Pro)

Rapid funded switches to intraday trailing drawdown

Topstep — Overview

Topstep is one of the longest-running and most trusted US futures prop firms. They pioneered many of the evaluation models used industry-wide. The Combine has one rule (don't touch the trailing Maximum Loss Limit, which ratchets up on end-of-day balance) and a consistency target — your best day must stay below 50% of the profit target, so you can't one-shot the pass. An optional Daily Loss Limit can be added at checkout; hitting it pauses the day rather than failing the account.

One of the most established and trusted firms in the industry

Clean 90/10 split from the first dollar with a well-documented payout policy

Low monthly fees ($49–$149) for the Combine

Consistency rules: best day <50% of profit target in the Combine; 40% on the funded Consistency payout path

MLL breach is checked in real time against unrealized P&L — an open trade can liquidate the account

Track your My Funded Futures or Topstep account automatically

FundedOps monitors your drawdown, daily loss, and consistency rule for both firms — checked after every trade import. Know exactly where you stand.

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