My Funded Futures vs Topstep
Topstep scores higher on PropFirmly's rating, 7.0 to 6.3 out of 10. Below, the two futures firms row by row: a dot marks the side ahead where a row has a clear direction. Both checked on or after 25 October 2026.
My Funded Futures
United States
Ahead on 2 of 7 rows
Visit My Funded Futures(opens the firm’s website in a new tab)Topstep
United States
Ahead on 5 of 7 rows
Visit Topstep(opens the firm’s website in a new tab)Head to head
| Feature | My Funded Futures | Topstep |
|---|---|---|
| PropFirmly score | 6.3 | 7.0 (ahead) |
| Trustpilot | 4.9 (22,577) (ahead) | 3.7 (14,989) |
| Years operating | 3 | 14 (ahead) |
| Headquarters | United States | United States |
| Cheapest $100K account | $282 | $99/mo (ahead) |
| Profit split, up to | 90% | 90% |
| Max funding | $450K | $750K (ahead) |
| Programs | 1-step | 1-step |
| Platforms | Tradovate, NinjaTrader, TradingView, Quantower, Volumetrica, DeepCharts, ATAS (ahead) | In-house platform, ProjectX, Quantower |
| News trading | Allowed with limits | Allowed with limits |
| Expert advisors | Allowed | Allowed |
| Copy trading | Allowed with limits | Allowed with limits |
| Overnight holding | Not allowed | Not allowed |
| Weekend holding | Not allowed | Not allowed |
| Payouts | Rapid and Rapid EOD: daily once the buffer is cleared. Builder: every 48 hours with 2 qualifying days per cycle, for up to 5 payouts. Pro: every 14 calendar days. Studio: anytime. | Express Funded Standard: after every 5 winning days of $150 or more. Express Funded Consistency: after 3 traded days with the best day at or below 40% of net profit. Live: every 5 winning days, and daily after 30 winning days. |
| Payout methods | Rise, ACH | Broker account transfer, ACH, Wise, Bank wire (ahead) |
| US traders | Accepted | Accepted |
Pick My Funded Futures if
you care most about trustpilot and platforms. It is ahead on those rows in the table above.
Pick Topstep if
you care most about propFirmly score, years operating and cheapest $100K account. It is ahead on those rows in the table above.
Challenges side by side
Every account from both firms. The table opens at $100K, the size both sell nearest $100K.
Challenges 5
| Steps | Profit target | Daily loss | Max loss | Buy | |||||
|---|---|---|---|---|---|---|---|---|---|
 Topstep3.715K | $50K | 1 StepTrading Combine (Standard) | 6% | None | 4% | 1.50 | 90% | $49/mo | Buy |
 My Funded Futures4.922.6K | $5K | 1 StepStudio | 10% | None | 5% | 2.00 | 80%to 90% | $45$75 | Buy |
Topstep3.715K | $50K | 1 StepTrading Combine (No Activation Fee) | 6% | None | 4% | 1.50 | 90% | $95/mo | Buy |
Topstep3.715K | $100K | 1 StepTrading Combine (Standard) | 6% | None | 3% | 2.00 | 90% | $99/mo | Buy |
My Funded Futures4.922.6K | $25K | 1 StepBuilder | 6% | 2.4% | 4% | 1.50 | 80% | $63$105 | Buy |
My Funded Futures4.922.6K | $10K | 1 StepStudio | 10% | None | 5% | 2.00 | 80%to 90% | $84$140 | Buy |
My Funded Futures4.922.6K | $25K | 1 StepRapid | 6% | None | 4% | 1.50 | 90% | $87$145 | Buy |
My Funded Futures4.922.6K | $25K | 1 StepRapid EOD | 6% | None | 4% | 1.50 | 90% | $87$145 | Buy |
Topstep3.715K | $100K | 1 StepTrading Combine (No Activation Fee) | 6% | None | 3% | 2.00 | 90% | $149/mo | Buy |
My Funded Futures4.922.6K | $50K | 1 StepBuilder | 6% | 2% | 4% | 1.50 | 80% | $91.80$153 | Buy |
Topstep3.715K | $150K | 1 StepTrading Combine (Standard) | 6% | None | 3% | 2.00 | 90% | $199/mo | Buy |
My Funded Futures4.922.6K | $50K | 1 StepRapid | 6% | None | 4% | 1.50 | 90% | $125.40$209 | Buy |
My Funded Futures4.922.6K | $50K | 1 StepRapid EOD | 6% | None | 4% | 1.50 | 90% | $135$225 | Buy |
Topstep3.715K | $150K | 1 StepTrading Combine (No Activation Fee) | 6% | None | 3% | 2.00 | 90% | $229/mo | Buy |
My Funded Futures4.922.6K | $50K | 1 StepPro | 6% | None | 4% | 1.50 | 80% | $159$265 | Buy |
My Funded Futures4.922.6K | $20K | 1 StepStudio | 10% | None | 5% | 2.00 | 80%to 90% | $168$280 | Buy |
My Funded Futures4.922.6K | $100K | 1 StepBuilder | 6% | 1.75% | 3% | 2.00 | 80% | $169.20$282 | Buy |
My Funded Futures4.922.6K | $100K | 1 StepRapid | 6% | None | 3% | 2.00 | 90% | $213.60$356 | Buy |
My Funded Futures4.922.6K | $150K | 1 StepBuilder | 6% | 1.67% | 3% | 2.00 | 80% | $238.80$398 | Buy |
My Funded Futures4.922.6K | $100K | 1 StepPro | 6% | None | 3% | 2.00 | 80% | $240.60$401 | Buy |
My Funded Futures4.922.6K | $150K | 1 StepRapid | 6% | None | 3% | 2.00 | 90% | $277.80$463 | Buy |
My Funded Futures4.922.6K | $150K | 1 StepPro | 6% | None | 3% | 2.00 | 80% | $334.20$557 | Buy |
No challenges match these filters. Pick another size or clear a filter.
What could each one pay you?
An illustration, not a forecast: a steady monthly return on the funded account, at each firm's starting split, against the fee for its cheapest account at that size. Most traders do not pass, and returns are rarely steady.
My Funded Futures
- Your share over the period
- Fee
- Split
Topstep
- Your share over the period
- Fee
- Split
More comparisons
My Funded Futures vs
My Funded Futures vs Topstep questions
Which is cheaper, My Funded Futures or Topstep?
At $100K, My Funded Futures's cheapest account is $282 (Builder) and Topstep's is $99 (Trading Combine (Standard)), at list price before discounts. Price alone does not decide which is easier to pass: compare the targets and loss limits in the table above.
Which pays a higher profit split?
Both advertise a split of up to 90%. Check the conditions for reaching it on each firm's page.
Which firm has been operating longer?
Topstep was founded first, in 2012. My Funded Futures started in 2023.
Can traders in the United States use My Funded Futures or Topstep?
My Funded Futures: yes. Topstep: yes. Both firms publish a list of restricted countries, linked from their profile pages here.
Do My Funded Futures and Topstep allow news trading?
My Funded Futures: allowed with limits (On Rapid, Rapid EOD and Pro Sim Funded accounts, no positions or orders may be open from 2 minutes before to 2 minutes after Tier 1 releases (FOMC, CPI, employment report, plus EIA and agricultural reports for those markets). Evaluations, Builder and Studio accounts may trade through them). Topstep: allowed with limits (News can be traded, but deliberately trading the full maximum position size into a scheduled major news event is prohibited).
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