My Funded Futures vs Topstep

Topstep is $16 cheaper to get started. My Funded Futures charges $214/mo (monthly subscription). Topstep charges $49/mo (monthly subscription) plus a $149 activation fee. My Funded Futures currently has an active promotion which may further reduce cost.

My Funded Futures uses EOD Trailing drawdown ($3,100 buffer once locked at initial), while Topstep uses EOD Trailing 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 has no such soft protection.

No timing winner is declared until both selected paths have formula-ready public evidence. My Funded Futures: Missing public evidence: Buffer Clearance Required, Selected Economic Product. Topstep: Missing public evidence: Selected Economic Product.

My Funded Futures offers up to 90% profit split(Daily payouts, $500 min), while Topstep offers up to 90%(Daily payouts, $125 min).

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 has no qualifying day minimum.

Topstep limits each payout to 50% of accumulated profit, keeping the remainder as an account buffer. My Funded Futures has no percentage-of-profit cap on payouts.

My Funded Futures requires a $3,100 safety net buffer before your first payout — you must earn above starting balance plus this amount. Topstep has no safety net requirement.

Topstep caps each withdrawal at $2,000 per request. My Funded Futures has no per-request cap.

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 scalpers. My Funded Futures is a stronger fit for budget traders and conservative / grinders (starting at $62.5). 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 $4,268/mo more in funded earnings.

Overall, Topstep scores higher (75 vs 69) on our trader-friendliness index. Key advantages: lower starting cost, more forgiving drawdown rules, fewer trading restrictions, no daily earning cap, no inactivity limit. That said, My Funded Futures wins on more lenient consistency rules. See the full glossary to understand any unfamiliar terms, or explore trading styles to find the best firm for your approach.