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Editorial verdict
Topstep vs My Funded Futures (2026): Futures Pioneer vs the New Standard
A side-by-side breakdown of My Funded Futures and Topstep — profit splits, payout speed, drawdown rules, platforms, and a clear verdict on which firm wins for which trader profile.
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My Funded Futures
8.2- Split90%
- Payoutson demand
- Drawdowntrailing
Our verdict
Editorial verdict · Updated May 2026
Topstep wins on track record — founded 2012, it’s the firm that defined the futures prop model and still sets the bar for trader development resources. My Funded Futures wins on platform flexibility and account ceiling: Tradovate support, a $600K max allocation, and a cleaner fee structure. Both are 90% on-demand on trailing drawdown — the choice comes down to ecosystem, not economics.
- Profit SplitTie
- Payout SpeedTie
- Track RecordTopstep
- Max AllocationMy Funded Futures
- Platform CoverageMy Funded Futures
- Trader DevelopmentTopstep
- Fee StructureMy Funded Futures
Side-by-side: My Funded Futures vs Topstep
Winning value on each row is marked. Ties are flagged. Empty cells mean we don't have that data point yet.
Spec
My Funded Futures
Topstep
Score
8.2 / 10
8.5 / 10
Profit Split
90%
90%tie
Payout Frequency
On Demand
On Demandtie
Drawdown Type
Trailing
Trailingtie
Max Allocation
$600,000
$500,000
Founded
2023
2012
Platforms
NinjaTrader · Tradovate · TradingView
NinjaTrader · Quantower · TradingViewtie
Assets
Futures
Futurestie
Payout Methods
ACH · Bank wire · Crypto
ACH · Bank wire
EAs Allowed
Yes
Yestie
News Trading
Yes
Yestie
Overnight Holding
No
Notie
Weekend Holding
No
Notie
Scaling Plan
Yes
Yestie
Pick My Funded Futures if…
Pick My Funded Futures if you’re an experienced futures trader who wants Tradovate access, a higher allocation ceiling ($600K vs $500K), and a more flexible plan structure. MFF’s newer plans are also more accommodating on daily loss limits than Topstep’s combine. The risk is that MFF is two years old — strong fundamentals, but untested through a real industry contraction.
Pick Topstep if…
Pick Topstep if you’re newer to futures and want the most structured path to funded — the Trading Combine, consistency rule and TopstepX platform are explicitly designed to build habits, not just gate funding. Topstep is also the better choice if you want institutional-grade longevity: 14 years in business and a clear payout history.
Frequently asked questions
Can I trade overnight or hold weekend positions on either firm?
No — both firms prohibit overnight and weekend positions on funded accounts, which is standard for US futures props due to overnight margin requirements.
Which firm is better for a brand-new futures trader?
Topstep. The Trading Combine is structured around building consistency before payout, and the trader development resources (coaching, journals, daily videos) are unmatched in the futures prop space.
What’s the catch with the trailing drawdown on both firms?
Both Topstep and MFF use trailing max drawdown — your loss limit tightens as your account grows but doesn’t loosen when you give back profit. A single bad day after a good run can blow the account even if you’re still net positive.
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