My Funded Futures vs Topstep

These plans are different account sizes, so their costs are not ranked against each other. My Funded Futures charges $214/mo (monthly subscription). Topstep charges $49/mo (monthly subscription) plus a $149 activation fee.

My Funded Futures uses EOD Trailing drawdown ($3,000 buffer once locked at initial), while Topstep uses EOD Trailing drawdown at 4% ($2,000 buffer once locked at initial). Lock behavior differs: My Funded Futures — locks at $100,100 after $3,100 profit, while Topstep — locks at $50,000 after $2,000 profit. Topstep's daily loss limit is a soft mechanism (pause until next day), while My Funded Futures's daily pause behavior is not stated.

No timing winner is declared until both selected paths have formula-ready public evidence. My Funded Futures: Missing public evidence: Max Payout Per Request. Topstep: Missing public evidence: Buffer Clearance Required, Min Profitable Days Before Payout, Min Trading Days, Payout Processing Time, PublicSourceUrls.

Payout details vary by tier. Check individual firm pages for full breakdown.

When comparing withdrawal frequency, the gap between payouts matters. My Funded Futures requires 0 profitable trading days between each withdrawal, while Topstep requires 5 profitable trading days. At 20 trading days per month, that means My Funded Futures can request roughly 20 payouts per month versus Topstep's 4.

Between payouts, My Funded Futures requires 1 trading day before your next request, while Topstep requires 5 trading days. The shorter gap at My Funded Futures means more frequent withdrawal opportunities.

Topstep requires a minimum of $150 daily profit for a day to count toward payout eligibility. My Funded Futures's qualifying day minimum is not stated.

Topstep limits each payout to 50% of accumulated profit, keeping the remainder as an account buffer. My Funded Futures's percentage-of-profit cap on payouts is not stated.

My Funded Futures requires a $3,100 safety net buffer before your first payout — you must earn above starting balance plus this amount. Topstep's safety net requirement is not stated.

Topstep caps each withdrawal at $2,000 per request. My Funded Futures's per-request cap is not stated.

Topstep is more flexible overall. Automation: Topstep allows bots and algo trading while My Funded Futures prohibits it — a critical difference for systematic traders. Both require flat-by deadlines: My Funded Futures at 4:10 PM EST, Topstep at 3:10 PM CT.

Both firms work well for day traders and budget traders. My Funded Futures is a stronger fit for conservative / grinders (scaling plan on funded). Topstep is a stronger fit for scalpers (news trading OK). Explore all trading styles to see which firms match your approach.

Based on $500/day profit, 20 trading days/month, 55% win rate

At $500/day profit, My Funded Futures reaches break-even on day 20 while Topstep reaches it on day 12. Topstep costs $16 less to get started. My Funded Futures projects $3,768/mo more in funded earnings.

Overall, My Funded Futures scores higher (69 vs 68) on our trader-friendliness index. Key advantages: more lenient consistency rules. That said, Topstep wins on more forgiving drawdown rules, fewer trading restrictions, no daily earning cap, no inactivity limit. See the full glossary to understand any unfamiliar terms, or explore trading styles to find the best firm for your approach.