MyFundedFutures Builder plan, 2026
Builder is not an account you can stay on. The simulated stage is capped at five payouts, and the fifth is what makes you eligible for promotion to live.
That is a real route to a live account, which almost no starter plan offers. It is also a ceiling. Read from their plan page and rules table on 22 September 2026.
Weighing the alternatives? Phidias Express to Live is the account we build. We compete with them, so weigh this page accordingly.
What is the MyFundedFutures Builder plan?
It is their cheapest way in, and the only plan with a fixed ladder to a live account. Two sizes, a one day minimum evaluation, no activation fee, and five simulated payouts that end in a real brokerage account. The trade for all that is a ceiling: the fifth payout ends the simulated stage.
On the day we checked, the 25K showed $63 against a $105 list price, and the 50K $75 against $125. Both are promotional: MyFundedFutures prices every plan off a discount that moves, so check the figure on the day rather than trusting any page, including this one. And mind the size toggle, because the card defaults to the 50K.
How many payouts can you take on Builder?
Five. That is the whole answer, and it is the most important number on the plan. Their rules table lists Max Sim Payouts as 5 on both sizes, and each cycle is capped. So the simulated stage has a hard ceiling you can calculate before you buy.
This is what makes Builder different from every other plan in the lineup, and it cuts both ways. Rapid and Pro let you keep taking simulated payouts indefinitely. Builder does not: their rules give the promotion trigger as the fifth approved payout, and their help center puts it as being eligible for promotion at that point. Either way there is no sixth simulated payout to take. If you were planning to treat a simulated funded account as a steady income line, Builder is the wrong plan. If you wanted a defined route out of simulation, it is the only one they sell.
The ladder, rung by rung
MyFundedFutures lays the path out as seven steps on the plan page. Condensed, it runs like this.
Note who holds the account at the top. MyFundedFutures names its live counterparty openly, and it is not MyFunded Futures, LLC. That is more transparency than most firms offer, and it does mean the entity you buy from is not the entity you end up trading with.
What each payout actually requires
The cadence is advertised as every 48 hours. The conditions underneath it are where most of the waiting happens.
The 50% consistency rule is the one that surprises people, because it does not apply during the evaluation at all. It appears at the payout stage: your single best day cannot account for more than half of that cycle’s profit. On a $500 cycle, no single day above $250.
Watch the inactivity rule too. Seven calendar days is short, and it is calendar days rather than trading days.
The soft pause does not protect your capital. It schedules its loss.
Builder is marketed as the forgiving plan, and the daily loss limit is the centrepiece of that pitch. MyFundedFutures calls it a coaching mechanism rather than a kill switch. That description is accurate about the account and misleading about the drawdown.
Here is the mechanic. On a Builder 50K you have $2,000 of maximum loss and a $1,000 daily loss limit. Your session goes $1,000 down. Trading stops for the day. The account survives.
But the loss does not survive as a floating number. It is booked. The position that might have turned $100 in your favour is closed, and you will never know whether it would have. You come back the next session having spent half of your entire drawdown, permanently, with no opportunity to have traded it back. The account is intact and the room is gone.
There is a real argument on the other side, and it deserves stating: a trader on tilt can lose an entire account in one session, and a daily cap stops that. For someone genuinely learning discipline, that is worth something.
But look at where MyFundedFutures applies it.
It exists on exactly one account in the entire lineup, and it is the one sold to beginners. The 25K Builder, which is cheaper and aimed at the same audience, has no daily loss limit at all. So the rule is not a house philosophy about protecting traders. It is a risk setting on a single product.
How many Builder accounts can you have? It depends on the size.
The plan page looks like it contradicts itself on this, and three of its four statements point the same way. The help center settles it, and the answer is not the one the marketing copy gives.
The rules table is right, and the marketing copy is written for the 50K. Their Builder 25K guide states it twice, including as a direct FAQ answer: traders may hold up to two simulated funded accounts per user on the Builder 25K plan. The 50K guide says the opposite for its own size: only one may be active per user. So it is a size rule, not a contradiction. Two on the 25K, one on the 50K. The header, the comparison table and the FAQ all describe the 50K and none of them says so, which is how a real answer ends up looking like a conflict.
Is Builder the right entry for you? Four questions on what you want from it, how you feel about being cut off mid-session, how many payouts you expect and which size you are eyeing. No email.
30-second check
Is Builder the right entry for you?
The add-on is the cheaper option, not the upgrade
This one reads backwards until you see the prices. Builder sells two versions at checkout, and the one with the tighter drawdown is the cheaper one.
You pay less and you get less room. $28 cheaper on the list price, $500 less drawdown, and a buffer lowered by the same $500 so you reach your first payout sooner. Their own guide puts it plainly: a smaller loss limit means a tighter cushion, and in exchange the add-on version is priced lower. It is a cheaper entry for a tighter account, not an upgrade you pay extra for. Which one suits you depends on whether your problem is patience or volatility.
What the live account looks like
The top of the ladder is a real brokerage account, and its parameters are published.
One cell there is worth flagging. Their plan page gives the 25K live max loss limit as Daily, while their own 25K guide gives it as static once the drawdown reaches zero, the same as the 50K. It also sits next to their own cell saying the 25K live account has no daily loss limit, which makes Daily hard to read as anything but a typo. Take the guide.
And the rule nobody reads until it applies to them: breach the live account and a 21 day cooldown follows, with no simulated funded trading, no new evaluation purchases and no resets during that period. Three weeks out, and then you restart the ladder from the evaluation.
How the Builder live account compares with the Rapid and Pro ones, and what it costs to run, is in our MyFundedFutures live account guide.
Builder, Rapid or Pro in 2026?
Short version, because we have a full comparison elsewhere.
Note that Rapid does have a live account block in its rules table, it simply publishes no trigger for reaching it. Builder if you want a defined destination for the least money. Rapid if you want cadence and the better split. Pro if you want the highest ceiling. The full breakdown is in our comparison of the four plans.
Where we differ
Credit first. A defined ladder from a cheap evaluation to a named live broker is a genuinely good product idea, and publishing the promotion trigger, the live drawdown, the cooldown and the name of the broker is more than most firms do. The one day pass and the end of day drawdown are real advantages for a beginner.
The difference we would put in front of a trader is who manages the loss limit.
On Express to Live there is no daily loss limit and the drawdown is static. Your whole loss limit is yours, all of it, for the life of the account, and you decide how to spend it. We could add a daily cap and describe it as protection. We do not, because a daily cap does not prevent the loss, it books it and takes away your ability to trade through it.
Two honest qualifications, because this article has spent three sections reading their small print and ours deserves the same treatment.
Our static drawdown is smaller. The E2L 25K runs on a $500 static floor against Builder 25K’s $1,000 trailing one. Ours does not move, which is the point, but it is half the number and you should weigh both facts rather than one.
And we do not custody the live account either. Our rules page states that a live account is opened with our partner Dorman Trading via Sweet Futures. We made a point above of MyFundedFutures naming Blue Row Capital, so it would be poor form not to name ours. The difference is not who holds the account, it is what triggers the move.
That is the second difference. On Express to Live there is no ladder to climb and no promotion to wait for: you reach the target on the CASH account, you click Switch to Live, and the fixed bonus payout converts you. The conversion is the payout: a product rule, not a promotion.
See Phidias accounts and pricing
MyFundedFutures Builder plan: frequently asked questions
What is the MyFundedFutures Builder plan?
It is their cheapest entry, sold in 25K and 50K, with a one day minimum evaluation and a fixed ladder of five simulated payouts that ends in a live brokerage account at Blue Row Capital. The evaluation target is $1,500 on the 25K and $3,000 on the 50K, the split is 80/20, there is no activation fee, and no consistency rule applies during the evaluation.
How many payouts can you take on Builder?
Five. Their rules table lists Max Sim Payouts as 5 on both sizes, and each cycle is capped at $1,000 on the 25K and $2,000 on the 50K. So the simulated stage is worth at most $5,000 or $10,000 before the fifth approved payout promotes you to live. Builder is not an account you can sit on indefinitely.
What happens after the fifth Builder payout?
You are promoted. Their rules give the promotion trigger as after the fifth approved sim payout, and the live account is underwritten by Blue Row Capital, not by MyFunded Futures, LLC. It carries a $1,000 end of day trailing drawdown on the 25K and $2,000 on the 50K, the same as the simulated stage, plus daily payouts, an 80/20 split and no consistency rule.
Does the Builder plan have a daily loss limit?
Only on the 50K. Their rules table gives Daily Loss Limit as None on the 25K and $1,000 soft pause on the 50K. It is the only daily loss limit anywhere in the MyFundedFutures lineup, since Rapid and Pro have none. The cheaper account is the freer one.
What is a soft pause daily loss limit?
When your session is $1,000 down, trading stops until the next session and the account survives. MyFundedFutures describes it as a coaching mechanism rather than a kill switch, which is true of the account. It is not true of the drawdown: on a 50K you have just booked half of your $2,000 maximum loss, permanently, and you return the next day with half the room you started with.
How many Builder accounts can you have?
It depends on the size, and the plan page obscures it. The header and the FAQ both say one account per user, but those describe the 50K. The rules table gives two Builder 25K per user, and their 25K help center guide confirms it twice: up to two simulated funded accounts per user on that size. One on the 50K, two on the 25K.
What does each Builder payout require?
Two qualifying trading days in the cycle, net profit of at least $250 on the 25K or $500 on the 50K since your last payout, a cleared buffer of $1,100 or $2,100, and a 50% consistency rule at the payout stage, meaning your best single day cannot exceed half that cycle’s profit. Payouts run every 48 hours once those conditions are met.
What is the Builder add-on?
The cheaper of the two checkout options, not an upgrade. On the 50K it lists at $125 against $153 for the default, and it takes the maximum loss from $2,000 down to $1,500, raises the starting floor to $48,500 and lowers the buffer you must clear from $2,100 to $1,600. You pay less and trade with less room, and it follows through to the live account.
What happens if you breach on Builder?
At the simulated stage, breaching the maximum drawdown ends the account and you buy a new evaluation. Hitting the $1,000 soft pause only ends your session. At the live stage it is heavier: MyFundedFutures states a 21 day cooldown with no simulated funded trading, no new evaluation purchases and no resets during that period.
Is Builder better than Rapid?
They answer different questions. Builder is cheaper, passes in a day and gives you a defined route to live, but caps you at five payouts and pays 80/20. Rapid pays daily on the simulated account at 90/10 with no fixed ladder, so it suits a trader who wants cadence rather than a destination.
How does Phidias compare?
The difference that matters on this plan is the daily loss limit. On Phidias Express to Live there is none, and the drawdown is static rather than trailing, so your whole loss limit stays yours to manage across the life of the account. The second is how you get out of simulation: there is no ladder and no promotion to wait for, because on Express to Live the first payout is the conversion, by rule.
Related guides
Read it yourself
- MyFundedFutures Builder plan page (the ladder, the rules table, the account limit)
- MyFundedFutures help center (the Builder collection and the payout policy)
- Phidias trading rules (no daily loss limit, static drawdown)
- Phidias accounts and pricing
The verdict
“Builder is the only starter plan in this sector that ends somewhere, and I rate it for that. What I would not do is call its daily loss limit a protection. Stopping a trader at half their drawdown does not save the money. It books it and removes the only tool they had to win it back.”
William G., CMO at Phidias Propfirm
