Topstep vs MyFundedFutures — Funded Futures Rules, Payouts & Pricing (2026)

Quick verdict

Lean Topstep if

Best fit

Traders who want the most established structure and can work within payout objectives.

Think twice if

You need the old first-$10K profit split as a new trader, or you dislike payout caps and objective changes.

Lean MyFundedFutures if

Best fit

Traders who want no activation fees and Builder, Rapid, or Pro payout shapes.

Think twice if

You dislike plan complexity or need one universal payout rule across all accounts.

Topstep vs MyFundedFutures: rules at a glance

Every value below is pulled from each firm's official sources. Confirm live figures at checkout. New to the terms? See the key terms below.

Rule	Topstep	MyFundedFutures
Account sizes	$50K, $100K, $150K	$25K, $50K, $100K, $150K depending on plan
Evaluation pricing	Standard path: $49/$99/$199 per month. No Activation Fee path: $95/$149/$229 per month.	Builder/Rapid/Pro pricing varies by plan and size; official simplified rules page does not expose every price.
Activation fee	$149 on Standard path after passing; $0 on No Activation Fee path.	No activation fees.
Profit targets	$3K, $6K, $9K profit target by account size.	$1.5K, $3K, $6K, $9K across common evaluation sizes.
Drawdown	EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time.	EOD Maximum Loss Limit of $1K/$2K/$3K/$4.5K across common sizes.
Daily loss limit	Optional in Trading Combine/XFA; required on Live Funded Accounts. Responsible Trading Discount applies to No Activation Fee path with fixed DLL.	None on Rapid and Pro evaluation plans. Builder 50K and the Builder Add-On carry a $1,000 Daily Loss Soft-Pause; Builder 25K has none.
Consistency rule	Trading Combine best day must be at or below 50% of total profit. Optional XFA Consistency path uses 40% and can qualify in 3 trading days.	50% eval-only consistency on Rapid Intraday plans (30% on Rapid End-of-Day, none required on Builder); payout-stage consistency differs by plan -- see payout.
Min trading days	As little as 2 days to pass the Trading Combine if consistency and target are met.	1-4 minimum trading days depending on plan: Builder 1, Rapid Intraday/Pro 2, Rapid End-of-Day 4.
Payout	New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency.	Rapid: daily payout eligibility after first-trade timing and buffer; 90% split for Rapid sim-funded plans as of Jan. 12, 2026, no consistency requirement. Builder/Pro: 80% split. Builder is request-based once within 50% consistency of total profit (achievable in as little as 2 days); Pro can request every 14 calendar days from first trade and may withdraw up to 60% of profits before fully clearing the buffer. Buffer requirements scale by size: $2,100 (50K), $3,100 (100K), $4,600 (150K).
Coupon	Built-in discount — no promo code to enter	CLUB (official code)

How the rules differ

Drawdown. Topstep: EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time. MyFundedFutures: EOD Maximum Loss Limit of $1K/$2K/$3K/$4.5K across common sizes.

Payouts. Topstep: New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency. MyFundedFutures: Rapid: daily payout eligibility after first-trade timing and buffer; 90% split for Rapid sim-funded plans as of Jan. 12, 2026, no consistency requirement. Builder/Pro: 80% split. Builder is request-based once within 50% consistency of total profit (achievable in as little as 2 days); Pro can request every 14 calendar days from first trade and may withdraw up to 60% of profits before fully clearing the buffer. Buffer requirements scale by size: $2,100 (50K), $3,100 (100K), $4,600 (150K).

Cost beyond the sticker. Topstep runs a Monthly subscription with path choice model — New-account payout caps and 90% split materially affect expected value. MyFundedFutures runs a Plan-based evaluation purchase model — Rapid, Builder, and Pro have different payout cadence, split, and buffer mechanics; buffer scales by size ($2,100/$3,100/$4,600 for 50K/100K/150K).

Frequently asked

Is Topstep or MyFundedFutures cheaper for a funded futures evaluation?

Topstep: Standard path: $49/$99/$199 per month. No Activation Fee path: $95/$149/$229 per month. Activation: $149 on Standard path after passing; $0 on No Activation Fee path. MyFundedFutures: Builder/Rapid/Pro pricing varies by plan and size; official simplified rules page does not expose every price. Activation: No activation fees. Net cost depends on current sales and activation fees, so confirm the final total at checkout.

What is the difference between Topstep and MyFundedFutures drawdown rules?

Topstep: EOD trailing Maximum Loss Limit of $2K/$3K/$4.5K; monitored in real time. MyFundedFutures: EOD Maximum Loss Limit of $1K/$2K/$3K/$4.5K across common sizes.

Does Topstep or MyFundedFutures have a daily loss limit?

Topstep: Optional in Trading Combine/XFA; required on Live Funded Accounts. Responsible Trading Discount applies to No Activation Fee path with fixed DLL. MyFundedFutures: None on Rapid and Pro evaluation plans. Builder 50K and the Builder Add-On carry a $1,000 Daily Loss Soft-Pause; Builder 25K has none.

What are the payout rules for Topstep vs MyFundedFutures?

Topstep: New traders joining on or after Jan. 12, 2026 receive 90% of approved payouts. XFA Standard requires 5 winning days of $150+; XFA Consistency can qualify with 3 trading days and 40% consistency. MyFundedFutures: Rapid: daily payout eligibility after first-trade timing and buffer; 90% split for Rapid sim-funded plans as of Jan. 12, 2026, no consistency requirement. Builder/Pro: 80% split. Builder is request-based once within 50% consistency of total profit (achievable in as little as 2 days); Pro can request every 14 calendar days from first trade and may withdraw up to 60% of profits before fully clearing the buffer. Buffer requirements scale by size: $2,100 (50K), $3,100 (100K), $4,600 (150K).

Do Topstep or MyFundedFutures have a consistency rule?

Topstep: Trading Combine best day must be at or below 50% of total profit. Optional XFA Consistency path uses 40% and can qualify in 3 trading days. MyFundedFutures: 50% eval-only consistency on Rapid Intraday plans (30% on Rapid End-of-Day, none required on Builder); payout-stage consistency differs by plan -- see payout.

Sources

Official help, pricing, and payout pages used for this comparison.

Topstep pricing and promo-code help Topstep Trading Combine parameters Topstep consistency target and XFA consistency Topstep payout policy MyFundedFutures evaluation simplified MyFundedFutures payout policy MyFundedFutures homepage promo MyFundedFutures affiliate program

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Key terms

EOD (end-of-day) drawdown: Your maximum-loss line trails on your balance at the daily close, not your highest intraday equity. Open profit you give back during the day does not pull the line up against you.
Trailing drawdown: Your maximum-loss line trails your highest intraday equity, so profit you reach and then give back can move the line up against you.
Daily loss limit (DLL): A cap on how much you can lose in a single trading day — some firms call it a Daily Loss Guard. A few make it optional during the evaluation.
Consistency rule: Caps how much of your total profit can come from a single best day, so one outlier session can't carry a pass or a payout.
Activation fee: A one-time fee to turn a passed evaluation into a funded account, charged on top of the evaluation price.
Profit split: The share of payouts you keep. A 90/10 split means you keep 90% and the firm keeps 10%.
Buffer: Profit you have to build (and usually keep above) before withdrawals unlock. Firm- and plan-specific.
XFA / PA: Firm-specific funded-account names: XFA is Topstep's Express Funded Account; PA is Apex's Performance Account.
Sim-funded / LiveSim: Simulated-funded accounts — you trade firm capital in a simulated environment, not your own live money, until later stages.

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Comparison research, not investment advice. Funded-account rules, pricing, payout schedules, and coupons change without notice — figures here reflect the dataset last reviewed September 5, 2026. Always confirm current terms on the firm's official site before purchasing an evaluation.