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Topstep vs MyFundedFutures: monthly subscription or one-time plan?

Updated 2026-10-26

Short answer

Topstep fits traders who want a $49 monthly start and an uncapped Live account. MyFundedFutures fits traders who want a one-time payment, no activation fee and daily funded payouts on its Rapid plan. MFFU's 50K Rapid pays 90% after a $2,100 buffer; Topstep's minimum payout is $125.

At a glance	Topstep	My Funded Futures
Trader rating	3.7 (14,989)	4.9 (22,575)
Cheapest plan	$49/mo ($50K)	$105 ($25K)
Plans we track	10	13
Account sizes	$1.5K, $25K, $50K, $100K, $150K, $250K	$25K, $50K, $100K, $150K
Evaluation types	1 Step	1 Step
Max loss types	Static, EOD Trailing	EOD Trailing, Trailing
Daily loss limit	90% of plans	31% of plans
Best standard split	90%	90%
Years operating	14	2
Code right now	None	CLUB (40% off)

Cheapest plan at each size

The lowest list price each firm charges at that account size, with that plan's rules.

Size	Firm	Plan	Price	Target	Max loss	Daily limit	Split
$25K	Topstep	Topstep - Static Trading Combine - 1-Step 25K	$75	8%	4% Static	$500	90%
	My Funded Futures	My Funded Futures - Builder - 1-Step - 25K	$105	6%	4% EOD Trailing	$600	80%
$50K	Topstep	Topstep - Standard - 1-Step 50K	$49/mo	6%	4% EOD Trailing	$1,000	90%
	My Funded Futures	My Funded Futures - Builder - 1-Step - 50K	$153	6%	4% EOD Trailing	$1,000	80%
$100K	Topstep	Topstep - Standard - 1-Step 100K	$99/mo	6%	3% EOD Trailing	$2,000	90%
	My Funded Futures	My Funded Futures - Builder - 1-Step - 100K	$282	6%	3% EOD Trailing	$1,750	80%
$150K	Topstep	Topstep - Standard - 1-Step 150K	$199/mo	6%	3% EOD Trailing	$3,000	90%
	My Funded Futures	My Funded Futures - Builder - 1-Step - 150K	$398	6%	3% EOD Trailing	$2,500	80%

Pick Topstep if…

You want the cheaper entry: the 50K Trading Combine is $49/month on the Standard path
You want small early cash-outs: Topstep's minimum payout is $125 versus $500 on MFFU's Rapid
You want an uncapped ceiling: the Live Funded Account has no payout caps and unlocks daily access to 100% of profits after 30 winning days
You want an optional daily loss limit you can add at checkout for a discount

Full Topstep review →

Pick My Funded Futures if…

You want one payment only: every MFFU plan is one-time, with no activation fee and no renewals
You want speed: Rapid's first payout opens 24 hours after your first funded trade, then daily
You want no hard daily loss limit: the Rapid plan has none in the evaluation or funded stage
You want no funded consistency rule on the Rapid plan

Full My Funded Futures review →

How do payouts compare?

MFFU's Rapid plan is built around speed: daily payout eligibility starting 24 hours after your first trade, a $2,100 buffer on the 50K, a $500 minimum withdrawal, a 90/10 split and no consistency rule. MFFU says more than 75% of payouts are auto-approved in under a second. Its Builder plan pays every 48 hours at 80/20 with a 50% consistency rule per payout cycle and a $2,000 per-request cap on the 50K; Pro pays every 14 days with a $1,000 minimum.

Topstep's Express Funded Account (XFA) pays 90% with a $125 minimum. The Standard path needs 5 winning days of $150 or more and caps requests at 50% of the balance ($2,000 on a 50K). Live Funded payouts are uncapped.

Which rules catch traders out?

On MFFU's Builder plan, the max loss limit locks at $100 above the starting balance after your first payout; the room left is whatever balance remains above that locked floor. The Rapid evaluation also applies a 50% best-day consistency rule even though the funded stage drops it, and Builder now carries a $1,000 soft-pause daily loss limit that stops trading for the day without breaching the account.

At Topstep, the 55% best-day rule raises your profit target if one day does too much of the work. In the funded account, the trailing Maximum Loss Limit locks at $0 once the balance reaches $2,000 of profit (50K) or after your first payout, whichever comes first, so the account closes if the balance ever returns to $0.

How do the funded accounts differ?

Topstep's XFA starts at $0, enforces a scaling plan, and its loss limit locks at $0 as described above. The Live Funded Account is a separate stage with a mandatory daily loss limit and uncapped payouts; Topstep's risk team decides call-ups at its discretion.

MFFU's sim funded rules depend on the plan: Rapid keeps an intraday drawdown with daily payouts, while Builder and Pro use end-of-day trailing drawdowns. Each plan has its own live-transition trigger: on Rapid, $10,000 net profit in a single day moves you automatically; Builder requires 5 consecutive payouts; Pro is reviewed after 3 consecutive payouts or $20,000 profit.

Test both plans in our pass probability calculator.

Frequently asked questions

Which is cheaper for a 50K account?

At list prices, passing within the first billing month costs $198 at Topstep on the Standard path ($49 plus $149 activation) or $95 on the No Activation Fee path, versus a $209 one-time payment for MFFU's 50K Rapid. Topstep bills monthly while you evaluate; MFFU does not charge renewals.

Who pays out faster?

MFFU's Rapid plan: first payout 24 hours after your first funded trade once the $2,100 buffer (50K) is cleared, then daily. Topstep's Standard path needs 5 winning days of $150 or more before the first request.

Do either use a daily loss limit?

MFFU's Rapid plan has no daily loss limit; its Builder plan uses a $1,000 soft-pause limit that halts trading for the day without breaching the account. At Topstep, the daily loss limit is optional in the Combine and XFA, and mandatory in the Live Funded Account.

Which has easier consistency rules?

MFFU's Rapid applies 50% consistency in the evaluation and none once funded. Topstep applies a 55% best-day rule in the Combine; the funded Standard path has no consistency rule, while the Consistency path uses 40%.

Prices are list prices from each firm's own site at our last update. Rankings are never paid. Prop trading can cost you every fee you pay.