Head-to-head comparison · 2026
My Funded Futures vs Topstep
Side-by-side on the metrics that actually matter: true cost to funded, drawdown type, profit split and payout speed.
Quick verdict
- My Funded Futures is $45 cheaper to get funded on a 50K account ($153 vs $198, activation fees included).
- Topstep bills monthly, so its cost goes up for every extra month it takes you to pass. My Funded Futures is a one-time fee.
- Both use end-of-day drawdown.
- My Funded Futures pays out faster (every 48 hours vs weekly).
- Topstep has the higher maximum profit split, 90% against 80%.
- My Funded Futures allows trading during news. Topstep restricts it.
Market
Futures
Futures
Founded
2023
2012
Total cost to funded
Best$153
$198
Eval cost
$153
$49
Activation fee
-
$149
Pricing model
One-time
Monthly sub
Challenge type
1-Step
1-Step
Drawdown type
EOD
EOD
Max profit split
80%
Best90%
First profit
80/20 split (Builder)
90/10 from day one
Payout speed
Every 48 hours
Weekly
Max account
Best$600K
$150K
Consistency rule
50% on funded (Builder)
55% consistency target
News trading
Allowed
Restricted
Platforms
NinjaTraderTradingViewTradovate
NinjaTraderTopstepX
Strengths & watch-outs
My Funded Futures
Strengths
- One-time fee, no activation fee, no monthly subscription
- Can pass the evaluation in a single day
- Paid every 48 hours once funded
- Rapid EOD plan ($209): daily payouts, 90/10, no consistency rule
Watch-outs
- 80/20 split, lower than the usual 90/10
- 50% consistency rule on the funded account
- EOD trailing drawdown, choose $1.5K or $2K
Topstep
Strengths
- Longest-running futures prop firm, founded 2012
- Low $49 monthly fee and $49 resets, reset credit each rebill
- Double payout caps included
Watch-outs
- $149 activation fee once you pass
- 55% consistency target and $1,000 daily loss limit
- Monthly fee keeps billing until you pass
🐨 Which should you choose?
Choose My Funded Futures if you want the lower cost to get funded, faster payouts, news trading and more room to scale up.
Choose Topstep if you want a higher profit split.
Written from our verified data for a 50K account, or the closest size a firm offers. Always check each firm's current terms before buying.
Figures are list prices for the 50K account (or the closest size a firm offers). Verify all details directly with each firm before purchasing. PropKoala may earn affiliate commissions. Trading involves substantial risk.