MyFundedFutures vs Topstep
Every rule that actually affects your account — drawdown, daily loss, consistency, payout split, news, platforms — with a clear winner per category.
Rule by rule
Green = winner on that row. Ties show as "—".
| Rule | MyFundedFutures | Topstep | Winner |
|---|---|---|---|
| Drawdown type | EoD static | Trailing | MyFundedFutures |
| Daily loss limit | None | Optional add-on since April 14, 2026 ($1K/$2K/$3K by size). Always mandatory on Live Funded. | MyFundedFutures |
| Payout split | Flex: 80/20 (90/10 with +$17). Rapid: 90/10. Pro: 80/20. | Post-Jan 2026: 90/10 from day one. Pre-Jan 2026: 100% first $10K then 90/10. | — |
| Min trading days | 2 | 0 | Topstep |
| Consistency rule | Eval: 50% (all plans). Funded: Flex=NONE, Rapid=NONE, Pro=NONE. | Combine: 50% (best day < 50% of total). Funded Standard: none. Funded Consistency tier: 40%. | — |
| News trading | No | Yes | Topstep |
| Weekend holding | Yes | No | MyFundedFutures |
| Copy trading | No | Yes | Topstep |
| Platforms | NinjaTrader, Tradovate, TradingView, Quantower, Sierra Chart, ATAS, Jigsaw, Rithmic | TopstepX (all new accounts), Quantower (exception) | — |
Real talk
What traders actually experience beyond the marketing copy.
Three plans for three types of traders. Flex = budget entry. Rapid = best overall (90/10, daily payouts, no consistency). Pro = stable EOD drawdown on funded but 80/20 split and $100K payout cap. Overnight holding allowed on all.
Three very different funded experiences. Flex: EOD but resets to $100 static after first payout (tight). Rapid: switches from EOD to INTRADAY trailing when funded (catches people off guard). Pro: EOD on both eval and funded (most stable).
Rapid has daily payouts (24h cycles) - fastest alongside Lucid. Flex needs 5 winning days. Pro is every 14 days. All have $0 activation. Pro has $100K total cumulative payout cap across ALL Pro accounts.
Rapid drawdown switches from EOD to INTRADAY on funded. Pro has $100K total payout cap. Flex MLL resets to $100 static after first payout. Copy trading PROHIBITED. T1 news restricted on Rapid/Pro funded (allowed on Flex).
Most established firm. Free resets are huge. Automated trading allowed on TopstepX. But: all new accounts forced to TopstepX (no NinjaTrader/Tradovate choice). Post-payout MLL reset is dangerous. Scaling starts at only 2-3 contracts on funded.
EOD trailing is fair - intraday swings don't move the floor. Locks once profit exceeds drawdown amount. CRITICAL: After a payout, your MLL resets to $0 - one bad day right after withdrawing can blow the account instantly.
90/10 from day one for new traders. Post-payout MLL reset to $0 is the biggest hidden risk. Free resets are genuinely valuable. Back2Funded ($599-829) lets you revive a blown funded account.
After payout, MLL resets to $0 - extremely vulnerable. New accounts TopstepX only (no NinjaTrader/Tradovate). Funded starts at 2-3 contracts (must scale up). VPS/VPN usage PROHIBITED. Positions must close by 3:10 PM CT. $30 ACH payout fee.
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