MyFundedFutures Payout Rules 2026: The Buffer Nobody Mentions

Weighing the alternatives? Phidias Express to Live is the account we build. First, how MyFundedFutures actually pays.

The buffer: the number that decides when you get paid

This is the rule that surprises people, and it is the reason a trader can be profitable in week one and still not be able to withdraw.

Before your first request, you must build a cushion of realised profit and leave it in the account. MyFundedFutures calls it the buffer. On Builder the formula is stated plainly: your maximum loss limit plus $100.

And the buffer is only half of it. On most plans you also need net profit on top of the cleared buffer before the first request: $500 on a Builder 50K, $250 on a Builder 25K. Their own worked example spells it out: on the $2,000 option your balance has to reach $2,600 before you can submit anything.

Five plans, five payout rulebooks

Here is every payout rule at MyFundedFutures in one table. The columns that change your income most are the maximum per request and the number of sim payouts you are allowed in total.

Builder’s two 50K variants differ only by maximum loss limit, which changes the buffer: $2,100 on the default and $1,600 on the add-on version.

Rapid: daily, uncapped, and the best split

Rapid is the most permissive payout structure of the five, and it is not close. Payouts are daily, the first unlocking exactly 24 hours after your first trade on the funded account once the buffer and minimum are met. There is no cap per request, no consistency rule once funded, and the split is 90/10, applied since 12 January 2026.

The minimum request is $500. Rapid EOD runs the same payout rules; after the buffer, each subsequent payout unlocks once you have made $500 of net profit since the last one.

Builder: $2,000, five times, and a rule at every request

Builder is the cheapest entry and the tightest payout structure. Three limits stack.

A ceiling per request: up to $1,000 on a 25K, $2,000 on a 50K. A lifetime count: five sim payouts in total, after which you are moved to a live account. And a consistency rule checked at every single request.

That last one catches people. Your single largest profit day cannot exceed 50% of the cycle’s total profit. The calculation resets after each approved payout. Their example: if you have made $1,000 since the last payout, your best day cannot be more than $500. If it is, the request is not denied forever, you simply trade more days until the ratio comes back into range.

You need two qualifying trading days per cycle, and MyFundedFutures markets this as a payout in as little as two days. That part is accurate, as long as your two days are evenly matched.

Pro: fourteen days, $1,000 minimum, and the 60% escape hatch

Pro trades frequency for size. You can request every 14 calendar days from your first trade, with a $1,000 minimum and up to $100,000 per user across all your Pro accounts. The split is 80/20, not 90/10, which most comparisons get wrong.

Pro is also the only plan with a documented way around the buffer. You can withdraw up to 60% of your profits before the buffer is fully cleared, with that $1,000 minimum still applying. The remaining 40% stays in the account. On the other four plans, the buffer is absolute.

The rest of the Pro plan, including the $100,000 cap and the live account after three payouts, is in our MFFU Pro plan guide.

Flex: no buffer, five winning days, two caps

Flex is the odd one out. There is no buffer requirement, which is genuinely unusual. In its place sits a qualifying-days gate: five winning days of at least $100 each on the 25K, $150 each on the 50K.

Then two caps apply to the same request: 50% of your total profits, and a hard ceiling of $1,000 on the 25K or $2,000 on the 50K. Before the restructure that ceiling was $5,000.

The published example is the clearest illustration of what a cap does. Five qualifying winning days, $20,000 of net profit, payout capped at $2,000, trader receives $1,600 after the split. That is their example, in their documentation.

What changes after your first payout

The first payout is the most important one, and not because of the money. It is the moment the drawdown stops chasing you.

On Builder, the maximum loss limit moves to $100 and becomes fixed permanently. On Pro, it moves to your starting balance plus $100 and stays static. On Flex, the same: $100, fixed. From that point the floor no longer trails your equity at all.

So the shape of a MyFundedFutures account is: grind through a trailing floor to build the buffer, take one payout, and the floor freezes. Everything before the first payout is harder than everything after it.

How fast you actually get paid

This is where MyFundedFutures earns its reputation, and the credit is deserved. Their help center states that most payout requests are approved instantly. When a manual review is triggered, processing runs 6 to 12 business hours on weekdays.

Combined with daily requests on Rapid, that is one of the shortest paths from a closed trade to money in your account anywhere in futures prop. If speed is your main criterion, this firm is a serious answer.

One contradiction in their own documentation

Worth flagging because it affects how you size your risk. The payout policy overview states, as a selling point, “no daily loss limits on Builder, Rapid or Pro plans”.

But the Builder plan guide says the opposite, in its own FAQ: the evaluation, sim funded and live stages have a $1,000 soft pause daily loss limit. Both documents are published, current, and disagree.

The likely reading is that a soft pause is not considered a daily loss limit because it does not breach the account, it only stops you trading for the rest of the session. But if you are on Builder, plan for the pause. Ask their support if the distinction matters to your sizing.

Which payout rulebook actually fits you? Four questions on how often you want to withdraw, how much per request, how you feel about the buffer, and whether a consistency check at every request is a problem. No email.

Where we differ

MyFundedFutures pays fast and pays reliably. We are not going to argue with a 4.9 Trustpilot score across more than 21,000 reviews.

The difference is the structure around the payout, not the payout itself.

There is no buffer at Phidias. There is no per-request cap on a LIVE account. And an Express to Live account converts to a real LIVE account with a real broker on your first payout, so the good day that triggers a forced transition and a forfeiture at MyFundedFutures is, here, just a good day.

On timing: 90% of our payouts are approved in under 30 minutes, all of them within 24 hours.

See Phidias accounts and pricing

MyFundedFutures payout rules: frequently asked questions

What is the MyFundedFutures buffer?

A cushion of realised profit you must build and leave in the account before your first payout request. On Builder the formula is your maximum loss limit plus $100. In practice it is $1,100 on a 25K, $2,100 on a 50K, $3,100 on a 100K and $4,600 on a 150K. Flex is the exception: it has no buffer requirement on either size.

How often can you withdraw from MyFundedFutures?

It depends entirely on the plan. Rapid and Rapid EOD pay daily, with the first request unlocking 24 hours after your first trade. Builder needs two qualifying trading days per cycle. Pro allows a request every 14 calendar days from your first trade. Flex requires five qualifying winning days before each payout.

What is the minimum payout at MyFundedFutures?

$500 on Rapid, Rapid EOD, Builder 50K and Flex 50K. $250 on Builder 25K and Flex 25K. $1,000 on Pro. On live accounts the minimum is $250.

Is there a cap on MyFundedFutures payouts?

On three of the five plans. Builder caps each request at $1,000 on a 25K or $2,000 on a 50K, with five sim payouts in total. Flex caps at the same figures and also at 50% of your total profits. Pro caps at $100,000 per user across all Pro accounts. Rapid and Rapid EOD have no cap per request.

What is the MyFundedFutures profit split?

90/10 on Rapid and Rapid EOD, applied since 12 January 2026. 80/20 on Builder, Pro and Flex. Most comparisons report Pro as 90/10, which is wrong.

Does MyFundedFutures have a consistency rule on payouts?

Only on Builder. Your single largest profit day cannot exceed 50% of the cycle’s total profit, and the check runs at every request, resetting after each approved payout. Rapid, Rapid EOD, Pro and Flex have no consistency rule at the payout stage; their 50% and 30% rules apply during evaluation only.

How long do MyFundedFutures payouts take to process?

Their help center states that most payout requests are approved instantly. If a manual review is triggered, processing can take 6 to 12 business hours on weekdays. That is genuinely fast for the sector, and it is the part of their payout system that deserves the most credit.

What happens to the drawdown after your first payout?

It stops trailing. On Builder the maximum loss limit moves to $100 and becomes fixed permanently. On Pro it moves to your starting balance plus $100 and stays static. On Flex it moves to $100 and is fixed. From that point the floor no longer follows your equity, which is a real improvement, and it is also why the first payout matters more than the ones after it.

Can you withdraw before clearing the buffer?

Only on Pro. It allows a one-time withdrawal of up to 60% of your profits before the buffer is fully cleared, with the $1,000 minimum still applying and the remaining 40% staying in the account. On Rapid, Rapid EOD and Builder, the buffer must be cleared first. Flex has no buffer at all.

How do MyFundedFutures payouts compare to Phidias?

MyFundedFutures is fast and pays reliably, and on Rapid it is uncapped. The structural difference is what sits above the payout rules. At Phidias there is no buffer, no per-request cap on LIVE, and an Express to Live account converts to a real LIVE account with a real broker on your first payout, with nothing forfeited. 90% of our payouts are approved in under 30 minutes and all within 24 hours.

More on MyFundedFutures

Useful resources