Topstep vs My Funded Futures

Topstep and My Funded Futures (MFFU) are US futures prop firms with one-step evaluations and no time limit. Topstep bills monthly and runs on one platform. MFFU charges one-time fees, has no activation fee and supports many platforms. This comparison uses prices and rules checked on each firm's official site on 3 November 2026.

At a glance

Topstep

• Founded: 2010, Chicago.
• Program: one-step Trading Combine, then an Express Funded Account and a possible route to live funding.
• Sizes: 50K, 100K, 150K.
• Billing: monthly subscription.
• Entry price: $49 a month (50K Standard Path) plus $149 activation.
• Drawdown: end-of-day trailing, locks at the starting balance.
• Platform: TopstepX only.
• Split: up to 90%.

My Funded Futures

• Plans: Builder, Rapid, Rapid EOD, Pro and the Studio plans.
• Sizes: $5K to $20K (Studio) and 25K to 150K (other plans).
• Billing: one-time fee, $0 activation on every plan.
• Entry price: $75 (Studio #003, $5K).
• Drawdown: end-of-day trailing on most evaluations; static on Studio; intraday trailing on funded Rapid accounts.
• Platforms: NinjaTrader, Tradovate, TradingView, Quantower, ATAS, Volumetrica, DeepChart and Hyperprop, per its help center.
• Split: 80/20 or 90/10, depending on the plan.

Pricing

Topstep (per month)

• Standard Path: $49 (50K), $99 (100K), $199 (150K), plus $149 activation per Express Funded Account.
• No Activation Fee Path: $95 (50K), $149 (100K), $229 (150K), $0 activation.
• Resets: the same as the monthly price.
• Adding a daily loss limit at purchase cuts the No Activation Fee price by $10 to $30. Paths can't be changed after purchase. Official pricing.

My Funded Futures (one-time, 50K list prices)

• Builder: $153.
• Rapid: $209.
• Rapid EOD: $225.
• Pro: $265.
• Studio: $75 ($5K), $140 ($10K), $280 ($20K). Official Studio guide.
• Current deal: code CLUB takes 40% off any plan, per the official site. The homepage also offers new customers 50% off a first evaluation.

MFFU's plan pages don't list every size's price clearly, so check at checkout.

Cost at 50K

• Topstep Standard, pass in month 1: $49 + $149 = $198.
• Topstep No Activation Fee, pass in month 1: $95.
• Topstep No Activation Fee, pass in month 3: $285.
• MFFU Builder 50K: $153, or about $92 with CLUB, however long it takes.

What this means: Topstep's No Activation Fee Path is cheapest only if you pass inside one month. MFFU wins for slower traders, especially with the code. Our guide to the cheapest prop firm challenges runs more scenarios.

Evaluation rules

Topstep Trading Combine (50K)

• Profit target: $3,000.
• Max loss: $2,000, trailing end-of-day and locking at the starting balance.
• Daily loss: optional, chosen at checkout.
• Consistency: best day should stay below 55% of the profit target.
• Minimum days: pass in as few as two days.
• Max position: 5 minis or 50 micros. Official rules.

MFFU plans (50K)

• Builder: $3,000 target, $1,000 daily loss, $2,000 end-of-day trailing max loss, 1 minimum day, no evaluation consistency rule.
• Rapid: $3,000 target, no daily loss, $2,000 max loss, 2 minimum days, 50% consistency in the evaluation.
• Rapid EOD: $3,000 target, no daily loss, $2,000 end-of-day max loss, 4 minimum days, 30% consistency in the evaluation.
• Pro: $3,000 target, no daily loss, $2,000 end-of-day max loss, 2 minimum days, 50% consistency in the evaluation.

MFFU Studio

• 10% target, a static max loss of 5% ($250, $500 or $1,000), no daily loss limit and no consistency rule.

What this means: at 50K, target and max loss match across both firms. MFFU's Builder can pass in one day. Studio is the only static-drawdown option here. See trailing vs static drawdown.

Payouts

Topstep

• Up to 90% split.
• Payouts on request, with per-request caps on Express Funded Accounts.
• Back2Funded reactivation costs $599 to $829 if you lose an Express Funded Account before the first payout.

My Funded Futures

• Rapid and Rapid EOD: 90/10, daily payouts, no consistency rule once funded.
• Builder: 80/20, payouts every 48 hours per the homepage, 50% consistency on sim payouts, payout caps.
• Pro: 80/20, bi-weekly, payout caps.
• Studio: 80/20 on Sim Funded, 90/10 live, payouts any time once positions are closed. Minimums are $100 or $250, with a daily profit cap.

Funded Rapid accounts switch to an intraday trailing drawdown that follows open profit. That is stricter than end-of-day.

Trading restrictions

Topstep

• No overnight or weekend holding. The trading day ends at 3:10 PM CT.
• News trading is allowed, but placing your full maximum position into a scheduled major news event is prohibited.
• Level 2 data for DOM tools costs $38 a month.

My Funded Futures

• No overnight or weekend holding.
• Tier 1 news is allowed in the evaluation. Funded accounts are restricted within 2 minutes of the release, though plan pages word this differently.
• Evaluation fees are non-refundable.

Downsides of each

Topstep

• The subscription rebills every 30 days until you pass or cancel.
• The Standard Path adds $149 at activation.
• One platform only (TopstepX), and no account below 50K.
• Capped payouts per request.

My Funded Futures

• Per-size prices are not clearly published on plan pages.
• Five plan types with different rules take time to compare.
• Funded Rapid accounts use intraday trailing drawdown.
• Builder and Pro pay 80/20 with payout caps.

Frequently asked questions

Which is cheaper?

MFFU for most traders. Builder 50K costs $153 once, or less with CLUB. Topstep's 50K costs $95 a month on the No Activation Fee Path, so it's only cheaper if you pass in month one.

Do either charge an activation fee?

MFFU charges none. Topstep charges $149 on the Standard Path and nothing on the No Activation Fee Path.

Which has no daily loss limit?

MFFU's Rapid, Rapid EOD, Pro and Studio plans. Topstep's daily limit is optional. See daily loss limits explained.

Which pays faster?

MFFU Rapid pays daily at 90/10. Topstep pays on request with caps.

Verdict by trader type

• Traders who expect to pass fast: Topstep's No Activation Fee Path, at $95 for one month at 50K.
• Patient or budget traders: MFFU, with one-time fees and the CLUB code.
• Traders who want a fixed floor: MFFU Studio, the only static drawdown of the two.
• Traders who want daily payouts: MFFU Rapid or Rapid EOD.
• NinjaTrader, Tradovate or TradingView users: MFFU.
• Traders who want a long track record and a route to live funding: Topstep, operating since 2010.

Read the full Topstep review and My Funded Futures review. Compare more firms on our comparison page, or find current codes on prop firm discounts.

Prices and rules were checked on each firm's official site on 3 November 2026. Confirm current terms on the firm's site before you buy. This is educational content, not financial advice; trading involves risk. FundedKings may earn a commission when you buy through our links, at no extra cost to you. See our affiliate disclosure.