Which is cheaper: My Funded Futures or Topstep?

My Funded Futures is cheaper to enter. The smallest evaluation account at My Funded Futures starts at $25K, while Topstep's entry tier begins at $50K. Challenge fees scale with account size, so the smaller starting tier translates directly to a lower up-front cost. Both firms also publish discount codes from time to time — currently 50% at My Funded Futures and no active promo at Topstep.

Does My Funded Futures have a better profit split than Topstep?

My Funded Futures and Topstep publish headline profit splits in the same range (80% — 90% vs 90%), so neither has a meaningful edge here. The deciding factor is usually the consistency rule and any scaling milestone that gates the top split tier — read both firms' funded-phase rules before picking.

Which firm pays out faster: My Funded Futures or Topstep?

Both My Funded Futures and Topstep settle on a comparable cadence (N/A vs Payouts are distributed on a regular basis once an Express Funded account is active.), so the deciding factor is your withdrawal method — crypto and Skrill clear in hours, bank wires add 1–3 business days at either firm.

My Funded Futures vs Topstep

Editorial intro

Comparing My Funded Futures and Topstep comes down to profit split mechanics: My Funded Futures offers 80% — 90% profit splits and $450K max capital with regular payouts, while Topstep counters with 90% splits and $750K max capital on a regularpayout cadence. We've ranked My Funded Futures at 4.9/5 and Topstep at 3.4/5 based on verified Trustpilot data drawn from 223 and 114 reviews respectively. Both firms operate in the United States regulatory environmentand have published payout records that we've cross-checked against trader-reported withdrawals. Below is the full side-by-side breakdown across 14 decision-relevant attributes, our editor's verdict on which trader profile each firm fits best, and the most-searched questions about this specific match-up.

Attribute	My Funded Futures	Topstep
Profit Split	80% — 90%	90%
Max Funded Capital	$450K	$750K
Years in Operation	2	14
Headquartered	United States	United States
Rating (Trustpilot)	4.9/5 (223)	3.4/5 (114)
Payout Frequency	N/A	Payouts are distributed on a regular basis once an Express Funded account is active.
Active Discount	50%	—
Platforms	ATAS Orderflow Trading, NinjaTrader, Quantower, TradingView	TopstepX
Drawdown Type	—	—
Consistency Rule	Yes	Yes
Asset Coverage	Futures	Futures
Min Account Size	$25K	$50K
Profit Target	$1,500	$3,000
Trading Days Min	—	2 days

View My Funded Futures →View Topstep →

Our Verdict: My Funded Futures vs Topstep

My Funded Futures is better for:

▸Traders prioritising verified reputation (4.9 vs 3.4 Trustpilot)
▸Active current discount (50%)
▸More trading platforms supported (8 vs 1)

Topstep is better for:

▸Scaling to larger accounts ($750K vs $450K)
▸Track record (14+ years vs 2 years)
▸Traders who already follow Topstep and want to stay inside its ecosystem

Editor's note

For most traders, Topstep wins on operational track record (14 vs 2 years), but My Funded Futures is the better pick if you want the active discount (50%) on entry. Our overall editorial pick: Topstep.

FAQ

Frequently Asked Questions

My Funded Futures vs Topstep: Frequently Asked Questions

Not for most trader profiles. Topstep wins this match-up on operational track record (14 vs 2 years), posting a higher composite editorial score than My Funded Futures. My Funded Futures is still the right call if want the active discount (50%) on entry — but on a head-to-head ranking Topstep comes out ahead.

Yes — My Funded Futures and Topstep are independent firms and neither imposes exclusivity. You can hold a funded account at both simultaneously, provided you respect each firm's rule set on your respective accounts. Many traders deliberately spread evaluations across firms to diversify counterparty risk; just remember that each firm tracks its own rule violations independently, so a breach at one has no effect on the other.

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