Topstep and My Funded Futures are two of the most discussed futures prop firms in 2026. Topstep is the original — the firm that invented the Trading Combine back in 2012. My Funded Futures is the newer challenger with the highest Trustpilot rating in the industry at 4.9 stars from 15,000+ reviews.
Both firms have large trader communities and solid reputations. But their pricing models, plan structures, and funded mechanics are meaningfully different. Here's how they actually stack up.
What Matters in This Comparison
The key differences between Topstep and MFF come down to:
- Pricing model — monthly subscription vs monthly subscription (but very different price points and plan variety)
- Profit split — flat 90/10 vs plan-dependent (80/20 to 90/10)
- Payout structure — XFA benchmark system vs plan-specific frequency
- Trustpilot reputation — 3.4 vs 4.9 (a significant gap)
- Automation policy — allowed vs restricted
Topstep
Topstep is the industry pioneer. The Trading Combine evaluation uses EOD trailing drawdown across all account sizes.
Key specs:
- Account sizes: 50K, 100K, 150K
- Pricing: Two paths — Standard ($49/$99/$149 per month with $149 activation) or No Activation Fee ($109/$159/$209 per month with $0 activation)
- Drawdown: EOD trailing on all accounts. Locks at initial balance
- Profit split: 90/10 flat — no progression, no tiering
- Consistency: None on eval. Two XFA paths on funded — Standard (5 winning days at $150+) or Consistency (3 days, 40% target)
- Payout frequency: Every 5 Benchmark Days. Max $5K (Standard XFA) or $6K (Consistency XFA) per cycle
- Withdrawal fee: $30 per payout
- Automation: Allowed (no VPS/VPN)
- Platforms: TopstepX (primary), Tradovate, NinjaTrader, TradingView, Quantower
- Trustpilot: 3.4 stars (13,700+ reviews)
Topstep's XFA payout system has specific requirements: the MLL (Maximum Loss Limit) resets to $0 after the first payout, converting from EOD trailing to a static $0 floor. There's a 20% balance withdrawal limit initially (50% cap for the first 30 days, then 100% after). Total withdrawals are capped at 90% of starting balance plus net profits.
Reset costs equal the monthly subscription price, and Back2Funded reactivation runs $599-$829 depending on account size.
My Funded Futures
My Funded Futures offers three distinct evaluation plans, each with different funded mechanics.
Key specs:
- Account sizes: 25K-150K (varies by plan — Flex is 25K/50K only, Rapid and Pro are 50K/100K/150K)
- Pricing: Monthly subscription — Flex ($84-$107/mo), Rapid ($157-$347/mo), Pro ($229-$477/mo). Some plans also available as one-time fees.
- Drawdown: EOD trailing (Flex, Pro) or intraday trailing (Rapid). All lock at $100 above starting balance
- Profit split: Flex 80/20, Rapid 90/10, Pro 80/20
- Consistency: 50% on eval across all plans. Funded varies: Flex 40%, Rapid 40%, Pro none
- Payout frequency: Flex — every 5 winning days (min $100-$150/day). Rapid — daily ($500 min). Pro — every 14 days ($1K min)
- Activation fee: $0 across all plans
- Automation: Semi-automated allowed. Full automation, copy trading, and hedging prohibited
- Platforms: NinjaTrader, Tradovate, TradingView, Quantower, Volumetrica, Volsys, ATAS
- Trustpilot: 4.9 stars (15,000+ reviews)
MFF's Rapid plan stands out with daily payouts and intraday trailing drawdown on funded accounts. The Pro plan has no consistency rule on funded but caps total payouts at $100K per user. The Flex plan is the budget option at $84/mo for 25K.
All MFF plans require flattening positions by 4:10 PM EST, and overnight/weekend holding is prohibited.
Head-to-Head Comparison
| Category | Topstep | My Funded Futures | |----------|---------|-------------------| | Entry cost (50K) | $49/mo (Standard) or $109/mo (No Activation) | $107/mo (Flex) or $157/mo (Rapid) | | Activation fee | $149 (Standard) or $0 (No Activation) | $0 (all plans) | | Drawdown type | EOD trailing | EOD trailing (Flex/Pro) or intraday trailing (Rapid) | | Profit split | 90/10 flat | 80/20 (Flex/Pro) or 90/10 (Rapid) | | Payout frequency | Every 5 Benchmark Days | Daily (Rapid), every 5 days (Flex), every 14 days (Pro) | | Max payout/cycle | $5K-$6K | $500-$100K (varies by plan) | | Withdrawal fee | $30 per payout | None | | Consistency (funded) | Varies by XFA path (40% on Consistency) | 0-40% (plan-dependent) | | Automation | Allowed (no VPS/VPN) | Semi-auto only | | Trustpilot | 3.4 (13,700+ reviews) | 4.9 (15,000+ reviews) | | Min trading days | 2 | 2 | | Overnight | Allowed | Not allowed | | Max accounts | 5 XFAs | 5-10 (size-dependent) |
Verdict: Choose Based on Your Priorities
Choose Topstep if you want:
- The cheapest monthly entry point ($49/mo for 50K Standard)
- A flat 90/10 profit split with no plan complexity
- Automation-friendly rules (bots allowed)
- Overnight holding
- The longest industry track record (14+ years)
Choose My Funded Futures if you want:
- The highest-rated firm on Trustpilot (4.9 stars)
- Plan variety — budget (Flex), speed (Rapid), or premium (Pro)
- $0 activation fee on every plan
- Daily payouts on the Rapid plan
- No withdrawal fees
- Intraday trailing drawdown option (Rapid)
The Trustpilot gap is hard to ignore — 4.9 vs 3.4 is one of the largest rating differences between any two major prop firms. MFF's plan variety also means you can pick the exact fee/split/payout combination that fits your style. Topstep wins on simplicity, automation policy, and the lowest possible entry cost at $49/mo.
If payout speed is your deciding factor, MFF Rapid's daily payouts beat Topstep's 5-day benchmark cycle. If automation matters, Topstep is the clear choice. For a deeper look at payout timing across all firms, see our fastest payout prop firms guide.
Compare Topstep vs MFF side-by-side to see every rule difference in one view, or check the deals page for current promotions on both firms.
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