Topstep vs MyFundedFutures, 2026
Same $3,000 target, same $2,000 drawdown on the 50K. The difference is when you get paid, and how you get to live.
Read from Topstep’s and MyFundedFutures’ help centers and plan pages on 6 October 2026.
We are a competing prop firm, so read our comparison at the end with that in mind. Everything before it comes from Topstep’s and MyFundedFutures’ own documentation, linked at the bottom.
MyFundedFutures pays you sooner; Topstep’s live account has the bigger upside. On a 50K, both ask for $3,000 with a $2,000 max loss. MFFU’s Rapid plan is one payment with no activation fee and daily payouts from 24 hours after your first funded trade. Topstep is a monthly subscription, a $149 activation fee on its Standard path, and 5 winning days before each payout.
In short
- Cost: Topstep $49 a month plus $149 activation, or $95 a month with no activation fee. MFFU Rapid $209 list, one payment, $0 activation.
- Evaluation: identical target and max loss on the 50K, 2 days minimum at both. Topstep’s consistency is 55%, MFFU Rapid’s 50%.
- First payout: MFFU Rapid, daily and 24 hours after your first funded trade. Topstep, after 5 winning days (or 3 days on the Consistency path).
- Funded drawdown: end-of-day at Topstep, intraday trailing on MFFU Rapid.
- Live: Topstep calls you up at its discretion. MFFU Rapid moves you automatically at $10,000 in one day, or after a review.
Topstep vs MyFundedFutures: the quick verdict
Here are the two 50K accounts side by side, Topstep’s Trading Combine against MFFU’s Rapid plan, its daily-payout flagship:
See Phidias accounts and pricing
Which costs less to reach your first payout?
The answer depends on how many months your evaluation lasts. Topstep charges a subscription for as long as your Trading Combine runs, then $149 per Express Funded Account (XFA) on its Standard path. Its No Activation Fee path costs more each month and nothing when you pass.
MyFundedFutures sells the Rapid evaluation once: no renewals and no activation fee. The trade-off: on this payment model, an account with no trade for 7 consecutive calendar days can be closed, sim funded accounts included. The 50K lists at $209, and MFFU runs promotions most of the time; its plan page showed it from $125 on 6 October 2026.
Here is what one 50K evaluation costs at list price, until you are funded:
Topstep’s No Activation Fee path is the cheapest if you pass within a month. From the second month, MFFU’s single payment wins against Topstep’s Standard path; from the third, against both. A failed attempt costs a reset at Topstep ($49 or $95 on the 50K) and a new evaluation at MFFU, whose Rapid plan page says there is no reset. Our Topstep cost breakdown and MyFundedFutures cost guide go further.
Which evaluation is easier to pass?
On the 50K, the two evaluations are close to identical. Both ask for a $3,000 profit target, both trail a $2,000 max loss from your end-of-day balance and close you out the moment open losses touch it, both allow 5 minis or 50 micros, and both need at least 2 trading days.
- Consistency. Topstep wants your best day below 55% of the target, otherwise the target rises. MFFU Rapid applies a 50% consistency rule in the evaluation, and none once funded.
- Passing in one day. Neither allows it: Topstep says so in its FAQ, and MFFU sets a 2-day minimum.
- After you pass. Topstep closes the Combine, cancels the subscription and opens your XFA within minutes of activation (a Friday pass waits until Sunday 5 PM CT). MFFU lets you sync the passed evaluation to a sim funded account from the dashboard.
Our Topstep consistency rule guide and MyFundedFutures Rapid plan guide cover each evaluation in detail.
Which pays you sooner once funded?
MyFundedFutures Rapid, by several days. This is where the two firms really differ.
Topstep: 5 winning days, then 50% of the balance
A Topstep XFA starts at a $0 balance. On the Standard path you need 5 winning days of $150 or more before each payout, and you can request up to 50% of the balance, capped at $2,000 on the 50K. The Consistency path asks for 3 trading days with no day above 40% of your profit, capped at $3,000. The split is 90/10 and the minimum request is $125.
Topstep’s internal approval can take 1 to 3 business days, then the transfer itself: instant through Aeropay for eligible US banks, 1 to 3 business days by ACH, 5 to 10 by wire. A limited-time offer doubles the caps if you add a daily loss limit when you buy the Combine.
MyFundedFutures Rapid: a buffer, then every day
On Rapid, you first build a $2,100 buffer of realized profit. From there, payouts are daily, the first one available 24 hours after your first trade on the sim funded account, with a $500 minimum, no published cap and no consistency rule.
MFFU says most payout requests are approved instantly; its payout policy puts manual reviews at 6 to 12 business hours on weekdays, and its plan page at up to 24. Our MyFundedFutures payout rules and Topstep payout rules guides cover every exception.
The fastest first payout, at the minimums. Topstep Standard: 2 days to pass, then 5 winning days, then up to 3 business days of approval. MFFU Rapid: 2 days to pass, then the day your realized profit covers the $2,100 buffer plus the $500 minimum request, at least 24 hours after your first funded trade.
The catch on MFFU: an intraday drawdown
Rapid’s funded drawdown trails your equity high-water mark during the day, open profit included, and stops trailing once it reaches $100. Topstep’s XFA max loss trails your end-of-day balance and locks at $0. A trade that runs $1,500 in your favor and comes back to flat costs you nothing at Topstep; on MFFU Rapid, it has moved your floor up by $1,500.
How many accounts can you run?
Topstep is more flexible on size. It allows unlimited Trading Combines and up to 5 active XFAs, in any mix: two 50K and three 150K is fine. MFFU allows 10 evaluations and 5 sim funded accounts while all of them are 25K or 50K, and 3 as soon as a 100K or 150K is active. Our guide to MFFU account limits lists the plan-by-plan caps.
News trading and overnight positions
- Topstep does not require you to be flat for economic releases, in the Combine or funded. It warns about slippage and lists trading your full maximum position size into a scheduled major news event as a prohibited strategy.
- MFFU Rapid allows Tier 1 news (CPI, FOMC, the Employment Report) in the evaluation, then prohibits it on the sim funded account: nothing open from 2 minutes before to 2 minutes after the release. Details in our MyFundedFutures news trading guide.
- Overnight: neither firm allows it. Topstep wants you flat by 3:10 PM CT; MFFU closes positions at 4:10 PM EST.
Which one gets you to a live account?
Both firms move you to live on their terms, not yours, and neither lets you decline the move. The mechanics are very different.
Two details matter. At MFFU, any profit above $10,000 on the day that triggers the move is forfeited. At Topstep, the Reserve is released in four steps of 25%, each time you reach a profit target equal to your Combine’s, reviewed every Monday. Across all its plans, MFFU also publishes that 4.2% of participants trading a simulated funded account were promoted to a live funded account. Our Topstep Live Funded Account guide and MyFundedFutures live account guide cover both in full.
Where Phidias Express to Live fits
MFFU answers the subscription problem; Topstep offers the bigger live account. Express to Live is built to answer both in one product.
Be clear about the trade-off: our 50K drawdown is $650, not $2,000. It never trails, so every dollar you make above it is room to trade, but it is smaller. On Express to Live, you reach the target on the CASH account, click Switch to Live, and the fixed bonus payout converts the account to a LIVE account: on the 50K, $2,000 of bonus, $1,600 to you at 80/20, and a $1,000 LIVE credit. LIVE payouts are available every day with no cap and no consistency rule.
On speed, 90% of our payouts are processed in under 30 minutes, and all of them within 24 hours.
Test: Topstep or MyFundedFutures?
Four questions on how fast you pass, what you want first, how you handle drawdown and whether you trade news. No email.
30 second check
Topstep or MyFundedFutures: which fits you?
Topstep vs MyFundedFutures: frequently asked questions
Which is better, Topstep or MyFundedFutures?
It depends on what you want first. MyFundedFutures’ Rapid plan pays sooner: one payment, no activation fee, and a first payout available 24 hours after your first funded trade once a $2,100 buffer is built. Topstep’s live account has the bigger upside: uncapped payouts, and daily payouts after 30 winning days, though the call-up is at its discretion.
Is Topstep or MyFundedFutures cheaper?
At list prices for a 50K, Topstep’s No Activation Fee path ($95 a month) is cheapest if you pass within the first month. MFFU’s Rapid 50K ($209 list, one payment) becomes cheaper once a Topstep evaluation runs into a third month on that path, or a second month on the Standard path ($49 a month plus a $149 activation fee). MFFU’s plan page showed the Rapid 50K from $125 with current promotions on 6 October 2026.
Which pays out faster, Topstep or MyFundedFutures?
MFFU Rapid. Payouts are daily, the first one available 24 hours after your first sim funded trade, and MFFU says most are approved instantly. Topstep’s XFA asks for 5 winning days of $150 or more (or 3 trading days within a 40% consistency target on the Consistency path), and its internal approval can take 1 to 3 business days.
Do Topstep and MyFundedFutures have the same profit target?
Yes on the 50K: $3,000 at both, with a $2,000 maximum loss limit and a 2-day minimum. The consistency rules differ: Topstep wants your best day below 55% of the target, MFFU Rapid uses a 50% consistency rule in the evaluation only.
Does MyFundedFutures charge an activation fee?
No. MFFU charges no activation fee on any plan. Topstep charges $149 per Express Funded Account on its Standard path, and nothing on its No Activation Fee path, which costs more per month.
How do you get a live account at Topstep and at MyFundedFutures?
At Topstep, the Risk Team calls you up at its discretion; all your XFAs close and you get one Live Funded Account. At MFFU Rapid, the move is automatic at $10,000 of net profit in a single day, or follows a Risk Management Team review. Neither firm lets you decline the move.
Can you trade news at Topstep and MyFundedFutures?
Topstep does not require you to be flat for economic releases, but lists trading your full maximum position size into a scheduled major news event as a prohibited strategy. MFFU allows Tier 1 news in the Rapid evaluation and prohibits it on the Rapid sim funded account, with no positions from 2 minutes before to 2 minutes after the release.
How many accounts can you have at Topstep and MyFundedFutures?
Topstep allows unlimited Trading Combines and up to 5 active XFAs, in any mix of sizes. MFFU allows 10 evaluations and 5 sim funded accounts while all of them are 25K or 50K, dropping to 3 as soon as a 100K or 150K is active.
Is there a faster option than Topstep and MyFundedFutures?
Phidias Express to Live, bought as a one-time payment, bundles the evaluation and the funded account in a single purchase. The full cycle, from purchase to payout, can be completed on the first day (record: 6 hours 18 minutes), and the bonus payout converts the account to a LIVE account.
Related guides
Read it yourself
The verdict
“On the same 50K, these two firms ask for the same thing and pay for it very differently. MyFundedFutures gets money into your hands faster and charges you once. Topstep makes you wait and pay monthly, but the live account at the end pays without a cap. If you want both, a single payment (on the one-time payment version) and a live account that comes from a rule rather than a phone call, that is what we built Express to Live for.”
William G., CMO at Phidias Propfirm
