Topstep vs MyFundedFutures (2026): The Benchmark's Shrinking Caps vs the Challenger's Five Plans
Last verified: June 12, 2026
Topstep is the firm everyone measures against — fourteen years in Chicago, the longest continuous track record in futures prop. But the Topstep a trader joins in mid-2026 is materially different from the one reviewed even eight months ago: between November 2025 and April 2026 the firm changed its pricing structure, its profit split, its funded-account paths, and — most recently — cut payout caps on its newest account type.
MyFundedFutures is the three-year-old challenger that grew by doing the opposite of legacy-firm caution: five distinct plans, no daily loss limit anywhere, and payout cadences built for speed. This comparison is really about trust architecture vs payout velocity.
Quick verdict
Pick Topstep if track record is your top criterion and you want a firm whose enforcement history is long, public, and boring — and you're willing to accept tighter early payout caps in exchange.
Pick MyFundedFutures if payout speed and plan flexibility matter more to you than institutional age, and you're disciplined enough to trade without a firm-imposed daily loss limit.
Side-by-side
| Topstep | MyFundedFutures | |
|---|---|---|
| Founded / HQ | 2012, Chicago, IL | 2023, Fort Worth, TX |
| Evaluation | Trading Combine (subscription-based, from $49/mo tiers) | Five plans: Core, Rapid, Pro, Flex, Builder |
| Drawdown type | EOD trailing Maximum Loss Limit | EOD trailing (Core, Pro), intraday trailing (Rapid), EOD static (Flex), fixed buffer (Builder) |
| Daily loss limit | See firm's current Combine rules — policy has shifted across product generations | None, on any plan |
| Profit split | 90/10 from dollar one for sign-ups after Jan 12, 2026 (the old "100% of first $10K" applies only to grandfathered traders) | 90/10 on Rapid; 80/20 on most other plans |
| Funded paths | Express Funded Account, split since Feb 2026 into a Standard path and a Consistency path | Sim-funded per plan, with live transition criteria on Pro/Rapid |
| First payout eligibility | Standard path: 5 winning days of $150+. Consistency path: 3 trading days plus a 40% consistency target | Plan-dependent |
| Payout caps | Yes — and reduced on new No-Activation-Fee $50K/$100K Combines as of April 28, 2026 ($2,000 Standard / $3,000 Consistency per request); a 50%-of-balance limit applies independently | Plan-dependent caps per cycle |
| Platform | TopstepX required for new sign-ups | NinjaTrader, Tradovate, Rithmic ecosystem |
| Activation fee | No-Activation-Fee Combine path exists (with the reduced caps); legacy path differs | $0 firm-wide |
What changed at Topstep — and why it matters here
If you read a Topstep review written before November 2025, much of it is now wrong. The dated sequence: a No-Activation-Fee Combine launched in late November 2025; a restructured payout policy at the end of December; the move to a 90/10 split from the first dollar for new sign-ups on January 12, 2026 (ending the famous "keep 100% of your first $10K" for new traders — existing traders are grandfathered); the February split of the Express Funded Account into Standard and Consistency paths; and on April 28, 2026, a payout-cap reduction on newly created No-Activation-Fee $50K and $100K Combines.
The net effect for a new trader: Topstep is cheaper to enter than it used to be, but slower to extract money from in the early funded stage. The per-request caps recycle — you can request again after re-qualifying with winning days — but a trader running hot in month one will feel the ceiling.
One more 2026 note: Topstep acquired The Futures Desk in April, folding its technology into TopstepX. No rule changes have followed yet, but the firm has been revising policy at an unusual pace — treat any Topstep rule you read (including this page) as worth re-checking on their help center.
MFFU's counter-offer: speed, at the price of structure
MyFundedFutures doesn't have one funded path — it has five products. The honest summary: Core and Pro are EOD-trailing plans for conventional day traders; Rapid is the intraday-trailing, 90/10, fast-payout plan for scalpers; Flex and Builder strip out trailing logic for traders who want a fixed loss boundary. No plan imposes a daily loss limit, which is the firm's defining trait and its biggest filter: traders without independent daily risk discipline consistently donate accounts to this rule structure.
Where Topstep's recent changes tightened payout velocity, MFFU's pitch is the opposite — but read the live-transition rules on Pro and Rapid carefully, because when an MFFU account converts from sim-funded to live, contract limits are cut and drawdown mechanics change.
The trust question, stated plainly
Topstep's 14-year history is not just marketing — it means more enforcement precedent, more public payout proof, and fewer surprises in how rules are applied. MFFU's three years include strong public ratings and fast growth, but also a faster pace of plan revisions. Neither pattern is disqualifying; they're different risk profiles. The trader who values predictability over ceiling picks Topstep. The trader who values cadence and split and is willing to track rule updates picks MFFU.
Neither firm is currently a PropFirmV affiliate partner, which has no effect on this analysis — see our methodology.
Who should pick which
Topstep for first-time evaluation buyers who want the most-documented firm in the space, traders who prefer a firm-imposed structure, and anyone for whom a payout cap in the first months is acceptable friction.
MyFundedFutures for experienced traders who can self-impose a daily stop, know which drawdown structure fits their style, and want either Rapid's split-and-speed combination or Flex/Builder's non-trailing simplicity.
FAQ
Is Topstep's 100%-of-first-$10K split gone? For new sign-ups after January 12, 2026, yes — the split is 90/10 from the first dollar. Traders who joined before that date are grandfathered, and the grandfather status attaches to the trader, not a specific account.
Do the new Topstep payout caps apply to everyone? No. The April 28, 2026 reduction applies to newly created No-Activation-Fee $50K and $100K Combines. Accounts created before that date keep their original caps, and the $150K caps were unchanged.
Which firm has the easier evaluation? Neither is categorically easier. Topstep's Combine has a profit target against an EOD trailing Maximum Loss Limit; MFFU's difficulty depends entirely on plan choice — Rapid's intraday trailing is the most demanding structure in its lineup.
Can I trade news at these firms? MFFU enforces a flat-2-minutes-before-and-after rule around Tier 1 releases on all plans and both phases — violating it on a funded account is a payout-denial trigger. Check Topstep's current news policy on their help center, as it has been revised alongside the 2026 changes.
Some links on this page are affiliate links. Rankings and analysis are based on published firm rules and are independent of affiliate status. Trading futures involves substantial risk; most traders do not pass evaluations, and fees are non-refundable. Always confirm current rules on the firm's official site before purchasing.