My Funded Futures vs Topstep: which prop firm is better in 2026?
My Funded Futures wins this comparison (4 against 2). Topstep stays relevant for traders whose priorities differ from the average.
My Funded Futures
Futures · Trustpilot 4.9/5
Launched in late 2023 in Delaware, My Funded Futures posts the highest customer satisfaction in our futures database, at 4.9/5 across more than 21,000 reviews. Its four plans share a 6 % target and an end-of-day trailing drawdown that locks above the starting balance. The notable trade-off: over 80 countries are excluded.
Criteria won : 4 / 33
Topstep
Futures · Trustpilot 3.6/5
Founded in Chicago in 2012, Topstep is the oldest futures prop firm. It charges a monthly subscription rather than a one-off ticket, with a 6 % target and a trailing drawdown that locks once the starting balance is cleared. Its 90 % profit split and first withdrawal after five winning days are among the best in the segment.
Criteria won : 2 / 33
Pricing at equal account size
Cheapest evaluation for a 100 K account.
My Funded Futures
—
Topstep
$99
Full comparison
| Criterion | My Funded Futures | Topstep |
|---|---|---|
| Trust | ||
| Score | 80/100 ✓ | 77/100 |
| Trustpilot | 4.9/5 ✓ | 3.6/5 |
| Founded | 2023 | 2012 ✓ |
| Headquarters | US | US |
| Pricing | ||
| Entry price | — | $49 |
| Price for a 100 K account | — | $99 |
| Refundable fee | No | No |
| Reset price | — | — |
| Account sizes | 150 K | 150 K |
| Rules | ||
| Steps | 1 | 1 |
| Profit target | 6 % | 6 % |
| Max daily loss | — | — |
| Max total drawdown | 4 % | 4 % |
| Drawdown type | Trailing (end of day) | Trailing (end of day) |
| Time limit | Unlimited | Unlimited |
| Consistency rule | 50 | 50 |
| Min trading days | 2 | 2 |
| Payouts | ||
| Profit split | 80 % | 90 % ✓ |
| Max profit split | 90 % | 90 % |
| First payout | 1 days ✓ | 5 days |
| Payout frequency | Rapid : toutes les 24 h (minimum 500 $) ; Builder : toutes les 48 h ; Pro : cycle de 14 jours (minimum 1 000 $, plafond 100 000 $ par cycle) | Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 % |
| Payout methods | — | wise and bank |
| Scaling plan | — | Yes |
| Max allocation | 150 K | 150 K |
| Trading | ||
| Platforms and instruments | ninjatrader, tradovate, tradingview, quantower, volumetrica ✓ | ninjatrader, tradovate, rithmic |
| Instruments | futures | futures |
| Leverage | — | — |
| News trading | Yes | — |
| Weekend holding | — | No |
| Expert Advisors | — | — |
| Copy trading | — | — |
| Scalping | — | — |
| Hedging | — | — |
Choose My Funded Futures if…
- You need a platform Topstep does not offer: tradingview, quantower, volumetrica.
- Cash flow matters to you: the first withdrawal comes after 1 days rather than 5.
Choose Topstep if…
- You need a platform My Funded Futures does not offer: rithmic.
Our analysis
Trust and longevity
Topstep has been running since 2012, 11 years longer than My Funded Futures. On Trustpilot they sit at 4.9/5 and 3.6/5 respectively. Our trust pillar scores them 83/100 and 80/100, which weighs age, corporate transparency and public payout evidence. In an industry with no financial regulator overseeing these evaluations, longevity and a verifiable payout history are the closest thing to a guarantee.
Risk rules side by side
My Funded Futures applies a trailing (end of day) drawdown capped at 4 %. Topstep applies a trailing (end of day) drawdown capped at 4 %. Both use the same model, so the difference plays out on the percentages rather than on the mechanism.
Payout terms compared
My Funded Futures keeps 90 % of profits, allows a first withdrawal after 1 days, then pays Rapid : toutes les 24 h (minimum 500 $) ; Builder : toutes les 48 h ; Pro : cycle de 14 jours (minimum 1 000 $, plafond 100 000 $ par cycle). Topstep keeps 90 % of profits, allows a first withdrawal after 5 days, then pays Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 %. Payout frequency deserves as much attention as the split itself: a slightly lower share paid every two weeks compounds faster than a headline percentage locked behind a monthly cycle and a long first-withdrawal delay.
Platforms and instruments
My Funded Futures is the only one of the two to offer tradingview, quantower, volumetrica. Topstep covers rithmic, which its rival does not. Platform choice is not cosmetic: order execution, available order types and the reliability of your automation all depend on it, and switching mid-evaluation is rarely possible.