I've run accounts at both of these firms, and the honest truth is they appeal to two different kinds of trader. TopStep is the boring-in-a-good-way pick: one forgiving drawdown model, a simple path to a payout, and a brand that's been around long enough that nobody worries it'll vanish overnight. MyFundedFutures (MFFU) is the flexible one: a five-plan menu that lets you pick your drawdown strictness, no daily loss limit on anything, and some of the fastest payouts in the business. If you're new and want to not blow up, that points one direction. If you're an active trader chasing the highest split and daily withdrawals, it points the other. Let me break down exactly where each wins.
Heads up on numbers: every price, percentage, and rule below is a June 2026 snapshot. Prop firms change pricing and rules constantly and run discount codes weekly. Treat my figures as ballpark and confirm the current terms on the live link before you buy.
The one thing that decides this: drawdown type
If you only learn one concept before picking a prop firm, make it this. Drawdown type is the single biggest reason people pass an eval and then blow the funded account a week later. There are roughly three flavors: intraday trailing (the floor follows your peak in real time, including unrealized gains — strictest), end-of-day (EOD) trailing (the floor only updates at session close — far more forgiving), and static (a fixed loss limit that never moves — the most beginner-friendly).
Here's where these two firms split. TopStep uses EOD trailing across the board. That means an ugly intraday swing won't stop you out as long as you close the day above your limit — it's one model, it's forgiving, and you don't have to think about it. MFFU lets you choose. Their Core plan is EOD trailing (~3%), Flex is static/fixed (very beginner-friendly), Pro is EOD, and Rapid is intraday trailing (~4%) — the strictest, but it pairs with the highest split and daily payouts. So MFFU's flexibility is real, but it also means you can buy the wrong plan and get caught by a rule you didn't expect.
Rule of thumb: if you're newer or you trade choppy intraday, you want EOD or static drawdown. Avoid intraday trailing (like MFFU's Rapid) until you genuinely understand how it ratchets against you. TopStep keeps you in the safe zone by default.
Head-to-head comparison
| Factor | TopStep | MyFundedFutures (MFFU) |
|---|---|---|
| Eval model | Monthly Trading Combine subscription, simple Standard path | 5-plan menu: Core, Rapid, Pro, Flex, Builder |
| Drawdown type | EOD trailing (one model, forgiving) | Pick your strictness: EOD / static (Flex) / intraday (Rapid) |
| Daily loss limit | Yes (per the Combine rules) | None on any plan (firm-wide selling point) |
| Pricing | ~$49+/mo entry to try; scales by size | ~$77–$477/mo by plan/size; frequent ~50% off codes |
| Payout speed | ~1–2 business days, weekly cadence | Among the fastest: Rapid daily, Core every ~5 winning days, Pro bi-weekly |
| Profit split | High, trader-favored (verify current) | 80/20 Core & Pro; 90/10 Rapid (highest) |
| Consistency rule | No consistency rule on Standard path | Only on Core eval (~50%); other plans none |
| Best for | Beginners, set-and-forget, brand trust | Matching plan to style, fast/frequent payouts |
I couldn't independently re-verify every per-size price and split for both firms, and several official pages block automated checks. The structure above is well-corroborated; the exact dollar figures and percentages are the parts most likely to have shifted — always confirm on the live page.
Pricing and total cost
Both run monthly-subscription evals, which matters more than people realize: a slow pass keeps costing you. If you sit in the eval for three months, you've paid three months of subscription. That's different from a one-time-fee firm where the clock doesn't bleed you.
- TopStep: low-risk entry to try — roughly $49/mo on the small Combine before scaling up by account size. The appeal is you can dip a toe in cheaply and the path is simple.
- MFFU: wider range, roughly $77–$477/mo depending on plan and size. Core ($50K) sits around the high-$70s; the bigger Pro and Rapid accounts climb a lot higher. The saving grace is frequent ~50%-off codes that bring effective prices well below list.
- Both: watch for the catch beyond the sticker. With monthly subs, your real cost is sticker price multiplied by how many months it takes you to pass. Discipline in the eval is cheaper than any coupon.
Payout speed: the part that actually matters once you're funded
Anyone can sell you a funded account. Getting paid quickly, with the fewest hoops, is the real test — and this is where MFFU pulls ahead for active traders. Rapid offers daily payouts, Core pays every ~5 winning trading days, and Pro is bi-weekly. Processing runs through Rise (Riseworks), which is often near-instant for crypto and ~1–3 business days for bank. There's a catch: your first payout is gated by building a required profit buffer first (roughly $2,100 on a $50K Rapid, for example), so you don't withdraw on day one.
TopStep is solid but not the speed champion. Processing in ~1–2 business days is perfectly respectable, but it's weekly rather than daily, and you'll typically clear some winning-days requirements before your first payout. What you get in exchange is a long, public track record of actually paying people — which, for a lot of traders, is worth more than shaving a day off the cadence.
Risk reality check: these are simulated-funded accounts with rules you can breach. The vast majority of people who buy evals never reach a meaningful payout. Only risk money you can afford to lose, treat the eval fee as a sunk cost, and never trade rent money chasing a funded account. This is not financial advice.
Beginner-friendliness
This is where I'd steer most new traders toward TopStep, and I'll be specific about why. Beginners don't need flexibility — they need fewer ways to accidentally blow up. TopStep gives you one drawdown model (EOD trailing, forgiving), a Standard path with no consistency rule to memorize, a cheap way to try, and a genuine education ecosystem behind it. You can almost set it and forget the rulebook.
MFFU can be beginner-friendly — the Flex plan's static drawdown and the firm-wide no-daily-loss-limit are genuinely forgiving — but the five-plan menu is a trap for newcomers. It's very easy to grab Rapid because the 90/10 split looks best, not realizing you've just signed up for the strictest intraday trailing drawdown in their lineup. If you go MFFU as a beginner, pick Flex or Core deliberately and ignore the shiny split.
Beginner move: start small, pick the most forgiving drawdown you can, and prove you can follow rules before you scale size. A passed $50K is worth infinitely more than a blown $150K.
The verdict
Pick TopStep if you're newer, you want one forgiving drawdown model and a simple payout path, and you value a long-established brand you won't have to second-guess. It's the lower-stress, lower-decision option — and that's exactly what most traders should want early on. The trade-offs are a monthly sub, a daily loss limit, and weekly (not daily) payouts.
Pick MyFundedFutures if you're an active trader who wants to match the program to your style — Flex/Core for forgiving drawdown, Rapid for the top 90/10 split and daily payouts (if you can handle intraday trailing) — and you prize fast, frequent withdrawals. The trade-off is plan complexity: the flexibility that makes MFFU great is also the thing that trips people up, so buy deliberately.
My honest one-liner: TopStep for the beginner and the set-and-forget trader; MFFU for the active trader who wants speed and the highest split and knows which plan to buy. Both are legitimate 2026 firms — the right answer is the one that matches how you actually trade. Whichever you choose, verify today's pricing and rules on the live link first.