PROP FIRM COMPARISON • UPDATED SEPTEMBER 2026

Topstep vs My Funded Futures — Which Should You Pick in 2026?

Both fund CME futures traders on a 1-step evaluation, but the entry money is not the same kind: Topstep bills $49 a month for a $50k Combine plus a $149 activation fee per funded account, while My Funded Futures sells its $50k plans outright from $153 on Builder ($209 on Rapid) with no activation fee at all. Topstep's standard path bills a $149 activation fee per funded account (its No Activation Fee path costs more per month instead), while My Funded Futures charges $0 activation on every plan. On rules, Topstep's Maximum Loss Limit trails end-of-day and needs at least 2 trading days, whereas My Funded Futures' Rapid plan trails intraday and locks $100 above your start after the first payout.

Quick verdict

Pick Topstep if: futures · disciplined day traders · long term careers · ninjatrader traders.

Pick My Funded Futures if: CME futures specialists with flexible plan selection (Rapid for daily payouts, Pro for higher caps, Builder for cheap entry).

Cheapest entry goes to Topstep; highest Trustpilot rating goes to My Funded Futures.

Read the Topstep review →  ·  Get the My Funded Futures deal →

Side-by-side comparison

TopstepMy Funded Futures
Cheapest challenge$49$105
Account model1-step Trading Combine1-step (futures)
Profit targetSee full rule summary below—
Max drawdownSee full rule summary belowRapid $1K/$2K/$3K/$4.5K intraday trailing (locks +$100 after first payout); Pro $2K/$3K/$4.5K EOD trailing (locks at start +$100 after first approved payout); Builder $1K (25K) / $2K or $1.5K add-on (50K) EOD trailing; Rapid EOD $1K (25K) / $2K (50K) EOD both stages
Daily drawdownSee full rule summary below—
Consistency ruleSee full rule summary below50% in evaluation only on Rapid/Pro; 30% in evaluation only on Rapid EOD; Builder none in eval but 50% at the payout stage. No hard consistency rule once funded (Pro still carries a discretionary Consistent Trading Policy).
Profit split90% (100% first $10K for pre-Jan-2026 accounts)80-90%
Payout schedule1-3 business days approval; $125 minimum payout request. Every request is capped at 50% of your account balance, up to the dollar cap for your size. · XFA Standard: 5 winning days of $150+. XFA Consistency: 3 days at the 40% consistency target. Live Funded: 5 winning days of $150+ per cycle, daily payouts unlocked after 30 winning days.Daily 24h; min $500; $1.1K-$4.6K buffer · 14 days from first trade; min $1K; $100K cap · Every 48 hrs; buffer $1,100 (25K) / $2,100 (50K) must be cleared first; each cycle needs 2 qualifying days and net profit of $250 (25K) / $500 (50K) above the buffer for the first payout, then since the last payout; minimum payout $250 (25K) / $500 (50K), maximum per cycle $1,000 (25K) / $2,000 (50K); five approved payouts promote you to a live Blue Row Capital seat
EA / botsAutomated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades. Trade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by ProjectX) is a live paid product, $29/mo. HARD BLOCK: all trading must originate from your personal device — VPS, VPNs and remote servers are prohibited by the Terms of Use and running automation on a VPS can get you suspended or removed. Scalping algos built to exploit SIM fills are separately banned.Automated strategies allowed when tailored to your own settings and not built to exploit simulated-environment fills; HFT prohibited. Copy trading allowed across your own accounts — copy-trading other traders is prohibited.
Trustpilot3.6 (14,811)4.9 (21,821)
Best discount codeSee full rule summary belowCLUB (40% off any plan, unlimited uses)
PropfirmDeals tierTier ATier C
Full rule summary1-step Trading Combine. Standard Path $49/$99/$199 per month + $149 activation per funded account, or No Activation Fee Path $95/$149/$229 per month. 6% profit target ($3,000/$6,000/$9,000), Maximum Loss Limit $2,000/$3,000/$4,500 that trails your END-OF-DAY balance (not intraday peaks) and locks static once it reaches your starting balance, plus an optional Daily Loss Limit $1,000/$2,000/$3,000. Breaches are still detected intraday on unrealized P&L. Minimum 2 trading days - a one-day pass is not possible. Consistency Target: best single day at or below 55% of the PROFIT TARGET ($1,650/$3,300/$4,950) - raised from 50% in September 2026, and the old undisclosed buffer was removed at the same time; go over and your profit target is raised rather than the account failed (the 40% figure is the separate XFA payout objective, measured against total net profit, and needs 3 trading days). All positions must be flat by 3:10 PM CT. 90/10 split (pre-Jan-2026 traders grandfathered at 100% of the first $10K). Each XFA payout request is 50% of balance up to a per-size cap ($2K/$3K/$5K Standard, $3K/$4K/$6K Consistency) - Live Funded payouts are uncapped. Since June 2, 2026 a Daily Loss Limit added at Combine purchase doubles those caps.—

Price ladder — cheapest challenge per account size

Lowest list price across every model each firm sells at that size. Green marks the cheaper firm; discount codes lower both further.

Account sizeTopstepMy Funded Futures
$50K$49$125
$100K$99$356
$150K$199$463

At the $100K size, Topstep lists at $99 against My Funded Futures's $356 — 72% apart before codes. Social proof tilts to My Funded Futures (4.9/5 vs 3.6/5 on our Trustpilot estimates).

Discount codes

Lower your entry cost with a current verified code (see the full prop firm discount codes list):

Topstep vs My Funded Futures — FAQ

Which is cheaper, Topstep or My Funded Futures?

Topstep is cheaper to start: its cheapest challenge lists at $49 versus $105 at My Funded Futures — about 53% less before discount codes.

Which pays out faster, Topstep or My Funded Futures?

Topstep: 1-3 business days approval; $125 minimum payout request. Every request is capped at 50% of your account balance, up to the dollar cap for your size. · XFA Standard: 5 winning days of $150+. XFA Consistency: 3 days at the 40% consistency target. Live Funded: 5 winning days of $150+ per cycle, daily payouts unlocked after 30 winning days. — My Funded Futures: Daily 24h; min $500; $1.1K-$4.6K buffer · 14 days from first trade; min $1K; $100K cap · Every 48 hrs; buffer $1,100 (25K) / $2,100 (50K) must be cleared first; each cycle needs 2 qualifying days and net profit of $250 (25K) / $500 (50K) above the buffer for the first payout, then since the last payout; minimum payout $250 (25K) / $500 (50K), maximum per cycle $1,000 (25K) / $2,000 (50K); five approved payouts promote you to a live Blue Row Capital seat. Always confirm the current payout policy on the firm's official terms before buying.

Does Topstep or My Funded Futures have a consistency rule?

Topstep: not documented on our current audit. My Funded Futures: 50% in evaluation only on Rapid/Pro; 30% in evaluation only on Rapid EOD; Builder none in eval but 50% at the payout stage. No hard consistency rule once funded (Pro still carries a discretionary Consistent Trading Policy). A consistency rule caps how much of your total profit one day may contribute — a real constraint if your profit comes in bursts.

What discount codes work for Topstep and My Funded Futures?

My Funded Futures: code CLUB (40% off any plan, unlimited uses). Codes rotate — every code on this site is re-checked against the firm's own site on a rolling cycle, and each one carries its own check date.

Can you use EAs or bots on Topstep and My Funded Futures?

Topstep: Automated strategies ALLOWED with conditions — Topstep gives no setup/troubleshooting support and makes no exceptions for errant trades. Trade copiers across multiple accounts are explicitly permitted. TopstepX API Access (powered by ProjectX) is a live paid product, $29/mo. HARD BLOCK: all trading must originate from your personal device — VPS, VPNs and remote servers are prohibited by the Terms of Use and running automation on a VPS can get you suspended or removed. Scalping algos built to exploit SIM fills are separately banned. My Funded Futures: Automated strategies allowed when tailored to your own settings and not built to exploit simulated-environment fills; HFT prohibited. Copy trading allowed across your own accounts — copy-trading other traders is prohibited. Automation rules change more often than prices — confirm the current policy in the firm's terms before you deploy a bot on a paid account.

Bottom line

Both Topstep and My Funded Futures are reputable choices in 2026 — the right pick depends on your strategy, drawdown tolerance and budget. Use the table above to match each firm's rules to how you actually trade, then grab the current code before checkout.

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