Rules compared
| Rule | Topstep | MyFundedFutures |
|---|---|---|
| Market | Futures | Futures |
| Phases | One-phase | One-phase |
| Eval cost (mid tier) | $165 | $80 |
| Profit target | 6% | 6% |
| Max drawdown | Trailing (EOD) · 4% | Trailing (EOD) · 4% |
| Daily loss limit | 2% | None |
| Consistency rule | None | None |
| Min trading days | 2 | 1 |
| Max days | Unlimited | Unlimited |
| Profit split | 100% | 90% |
| Payout buffer | 1% | 3% |
| Trailing on funded | Yes | No |
| Payout frequency | Every 4 days | Every 14 days |
Simulated outcomes, same trader
Identical balanced archetype (50% win rate, 1.2R average winner, 3 trades a day), 10,000 simulated evaluations against each firm's exact ruleset.
| Metric | Topstep | MyFundedFutures |
|---|---|---|
| Pass rate | 0.5% | 58.5% |
| Payout rate (if passed) | 46.6% | 39.9% |
| Joint withdrawal probability | 0.5% | 23.3% |
| Expected P&L over 50 challenges | -$8k | $29.9k |
| Failures from drawdown breach | 13% | 58% |
| Failures from daily loss | 77% | 0% |
Which should you pick?
Topstep: Topstep is the industry veteran and has the cleanest funded-account structure — no consistency rule at any stage, real payouts on schedule. The Trading Combine is one of the tougher single-phase evaluations because of the strict daily loss and the trailing max loss on both eval and funded. Traders who blow up on daily-loss gates elsewhere blow up here too.
MyFundedFutures: MFFU's Starter plan is one of the highest theoretical pass rates in futures — one phase, static-until-lock drawdown, no daily loss on some plans. Payouts require a small profit buffer and a handful of trading days. Attractive for high-frequency scalpers; less kind to swing traders who take one big loser.
On the numbers above, MyFundedFutures is the better expected-value choice for a balanced profile — but archetypes are not you. A scalper and a swing trader can flip this ranking entirely, because drawdown type punishes lumpy P&L far more than frequent small P&L. Run your own drawdown numbers first, then simulate your real stats.
Frequently asked
Is Topstep or MyFundedFutures easier to pass?+
In our simulation of a balanced 50%-win-rate trader, Topstep passes 0.5% of the time and MyFundedFutures passes 58.5% — so MyFundedFutures is the easier evaluation for that profile. The gap is driven mostly by drawdown type (Trailing (EOD) vs Trailing (EOD)) and the number of phases.
Which is cheaper, Topstep or MyFundedFutures?+
The mid-tier evaluation costs $165 at Topstep and $80 at MyFundedFutures. Sticker price is the wrong comparison though: over 50 attempted challenges our simulation nets -$8k at Topstep versus $29.9k at MyFundedFutures, because a cheaper eval you fail more often is not cheaper.
Which pays out more reliably, Topstep or MyFundedFutures?+
Conditional on passing, our model gives Topstep a 46.6% chance of reaching a first payout versus 39.9% at MyFundedFutures. End to end — pass and withdraw — that is 0.5% vs 23.3%. Profit splits are 100% and 90%.
What is the biggest rule difference between Topstep and MyFundedFutures?+
Topstep uses a trailing (eod) drawdown of 4% with a 2% daily loss limit; MyFundedFutures uses a trailing (eod) drawdown of 4% with no daily loss limit. Topstep is the stricter ruleset for most trading styles.
Compare both firms using YOUR trading stats
Log your trades in the journal, push your real win rate and R-multiple into the simulator, and see which of these two rulesets you actually clear.
Run my simulationMore Topstep comparisons
Based on publicly listed rules as of 2026-07-15. Independent — not affiliated with Topstep or MyFundedFutures. Rules change; verify before paying. Simulations are estimates, not guarantees.