My Funded Futures vs Topstep

My Funded Futures runs end-of-day trailing drawdown — trailing only on the end-of-day close, which lets you give back intraday profit without tightening the buffer until the session settles. Topstep runs end-of-day trailing drawdown — trailing only on the end-of-day close, which lets you give back intraday profit without tightening the buffer until the session settles. This single difference decides more accounts than the profit split does, because it changes how much of an open winner you are allowed to give back before the account closes.

Because both firms use the same model, the deciding factor moves to the daily and consistency layer: My Funded Futures applies progressive payout caps until the account matures, Topstep applies no single day > 50% of total profit. Where the drawdown mechanics match, the consistency rule is what usually gates the first withdrawal.

Sticker price is the wrong comparison unit, because almost nobody passes on the first attempt. Modelled over a realistic first year — My Funded Futures at $77 entry: $77 for one pass, $154 at two attempts, $231 at three; Topstep at $49 entry: $49 for one pass, $98 at two attempts, $147 at three — Topstep is roughly 1.6x cheaper per attempt than My Funded Futures. Over three attempts that gap compounds to $84.

Two adjustments matter on top of that. Futures-style firms typically bill the funded account monthly or charge an activation fee, so a year of ownership adds cost after you pass, while most forex-style evaluation firms charge once and several refund the fee with the first payout. And allocation is not equal: My Funded Futures scales to $150k against $150k at Topstep, so cost per dollar of eventual buying power can invert the ranking above.

Net of all that, the practical read is simple. If you are still proving a strategy, the cheaper per-attempt firm is the rational place to burn attempts. If you are already consistent, pay up for the firm whose payout record and allocation ceiling you actually intend to use.

My Funded Futures allows a first withdrawal around day 5 and pays every 5 winning days (core/scale); Topstep allows it around day 7 and pays weekly. My Funded Futures gets money moving 2 days sooner than Topstep, which matters most on a first funded account where you want proof of the payout rail before you size up.

Speed without evidence is worthless, so weigh it against how well each firm's payouts are documented: My Funded Futures scores 86/100 on our payout-evidence metric and Topstep scores 93/100, feeding trust scores of 84 and 91 respectively. The gap between a fast-paying firm with thin public evidence and a slower one with years of verifiable payout history is the single largest risk you carry in this category.

Also check the withdrawal gate, not just the calendar. My Funded Futures applies progressive payout caps until the account matures and Topstep applies no single day > 50% of total profit — a consistency cap can hold back a large winning week regardless of how often the firm says it pays.