Last updated: April 4, 2025
At first glance, My Funded Futures is more appealing. However, this may not be true for all traders and situations. Since trading behavior and strategies differ, you may need to prioritize certain plan features and not the overall comparison. It's important to put greater weight in key plan features like fees, drawdown rules and consistency requirements.
You've finally mastered your trading strategy and are consistently profitable while paper trading. Now, it's time to scale your account. Prop firms are great for making money, but if you're not careful the wrong plan will cost you hundreds of dollars in fees and payout limitations. We'll compare Topstep 100K and My Funded Futures 100K Starter Plus to help you find the best plan for you to get started. I'll walk you through the pros and cons of each plan.
There are 4 key areas we'll compare:
As a reminder, here's how starting up your prop firm account will work. First, you'll need to pass an evaluation. In the evaluation phase, you'll be asked to demonstrate your proficiency. You must reach a profit target while following the rules of the evaluation to pass. You'll pay a fee (usually monthly, occasionally one time only) while in the evaluation phase. If you fail, most accounts will let you pay to try again but this can be come expensive fast. This is why understanding plan rules using Prop Firm Genius is so important.
After the evaluation, you will have to pay an activation fee (if required by the plan) and then you'll be funded with a certain amount of capital. Again, if you don't adhere to the risk rules laid out by the prop firm, your account will fail and you'll need to reset. Some firms may require you to start back at the evaluation phase.
During the funded phase, you finally have the opportunity to qualify for a payout on the profit you make. The payout rules between firms can vary and effect how much of the money you are entitled to and how fast you will receive them.
Let's walk through each of these areas and see how Topstep 100K and My Funded Futures 100K Starter Plus compare.
Topstep requires 1 evaluation step with a profit target of $6,000 (6%), while My Funded Futures needs 1 step targeting $6,000 (6%). While a smaller profit target is better, Prop Firm Genius doesn't consider it a major factor. Most plans have similar targets and it's much more important to pay attention to the rules to hit that target than the target itself. Traders must complete 2 minimum trading days with Topstep compared to 0 with My Funded Futures.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Starting Balance | $100,000 | $100,000 |
| Steps Required | 1 | 1 |
| Profit Target | $6,000 (6%) | $6,000 (6%) |
| Min Trading Days | 2 | 0 |
| Time Between Trades | N/A | N/A |
| Payouts Available Post Pass | Yes | Yes |
Drawdown rules may be the single most important rule. One of our key pieces of advice we give traders is pay attention to the drawdown type not just the amount.
Topstep allows a maximum drawdown of $3,000 (3%) with End of Day rules, while My Funded Futures permits $3,000 (3%) End of Day.
End of Day drawdowns are more trader friendly, as you have time to recover and stick through a trade.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Max Drawdown Amount | $3,000 | $3,000 |
| Max Drawdown Rate | 3% | 3% |
| Drawdown Type | End of Day | End of Day |
| Drawdown Calculation | Trailing | Realized | Trailing | Realized |
| Drawdown Timeframe | End of Day | End of Day |
| Balance Buffer After DD | $0 | $100 |
| Balance That Ends DD | $103,000 | $103,100 |
Topstep enforces a daily loss limit of $2,000 (2%) with Intra-Day (Realized) rules, while My Funded Futures allows up to $0 (0%) None.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Daily Loss Limit | $2,000 (2%) | $0 (0%) |
| Daily Loss Limit Type | Intra-Day (Realized) | None |
| Max Loss After DD | $100,000 | $100,100 |
| Loss Limit Formula | Starting Balance
| Starting Balance + Buffer
|
| DLL Auto-liquidation | No | No |
Topstep allows up to 10 full contracts and 10 micro contracts during evaluation, while My Funded Futures permits 6 full and 60 micro contracts.
The contract ratios are important to know based on your strategy. A higher max contract will give greater flexibility but also greater risk.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Max Full Contracts | 10 | 6 |
| Max Micro Contracts | 10 | 60 |
| Full:Micro Ratio | 1:1 | 1:10 |
Topstep requires 50% consistency and does not offer scaling, while My Funded Futures requires 50% consistency and does not offer scaling.
Consistency is one of the most common rules that causes evaluation failures.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Consistency Required | Yes | Yes |
| Consistency Rate | 50% | 50% |
| Scaling Available | No | No |
| Scaling Details | N/A | N/A |
| Inactivity Limit | N/A | N/A |
Topstep charges monthly evaluation fees of $325, while My Funded Futures charges monthly fees of $267.
For evaluation resets, Topstep charges $99 for evaluation resets, while My Funded Futures charges $267 for evaluation resets.
Once funded, Topstep requires a $149 activation fee and charges no monthly fees. My Funded Futures charges no monthly fees.
For funded accounts, Topstep does not allow funded resets, while My Funded Futures does not allow funded resets.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Evaluation Fee | $99 (70% off $325) Monthly | $267 Monthly |
| Eval Reset Fee | $99 | $267 |
| Eval Resets Allowed | 0 | 0 |
| Funded Activation Fee | $149 | $0 |
| Funded Monthly Fee | $0 | $0 |
| Funded Reset Fee | $0 | $0 |
| Funded Resets Allowed | No | No |
| Funded Reset Count | 0 | 0 |
| Reset Recovery Window | 0 days | 0 days |
Payout rules affect both the amount you get paid and how fast that money gets to your bank account.
Topstep offers a 90% profit split requiring 5.25 trading days per payout, while My Funded Futures provides 90% with 5.25 trading days needed.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Profit Split | 90% | 90% |
| Min Trading Days | 0 | 0 |
| Trading Days Per Payout | 5.25 | 5.25 |
| Min Winning Days | 5 | 5 |
| Min Profit Per Winning Day | $200 | $200 |
| First Payout Ends Drawdown | Yes | Yes |
Topstep requires a minimum account balance of $0 and minimum payout of $125, with limits of Yes (More Info) per payout (short-term) and Up to $5000 or 50% of account balance per request until 30 non-consecutive winning days, then 100% anytime (full-term). My Funded Futures requires $101,100 balance and $250 minimum payout, with limits of Yes (More Info) per payout (short-term) and Up to $2,400 until 30 non-consecutive winning days or $12,000 in payouts achieved, then Live account (full-term).
You are entitled to $10,000 pre-split with Topstep and $10,000 with My Funded Futures before profit sharing is applied.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Min Account Balance | $0 | $101,100 |
| Min Payout Amount | $125 | $250 |
| Amount Pre-Split | $10,000 | $10,000 |
| Max Amount (Short) | Yes (More Info) | Yes (More Info) |
| Max Amount (Full) | Up to $5000 or 50% of account balance per request until 30 non-consecutive winning days, then 100% anytime | Up to $2,400 until 30 non-consecutive winning days or $12,000 in payouts achieved, then Live account |
| Max Payouts Per Month | 4 | 4 |
| Before Drawdown Ends | $Ends drawdown
| $Ends drawdown
|
Topstep requires 0 days for short-term and 0 days for full-term payout requests, with 1-3 Days approvals needed for short-term and 1-3 Business Days for full-term payouts. Their deposit timeline is 1-10 days.
My Funded Futures requires 0 days for short-term and 0 days for full-term requests, with 1 Day approvals needed for short-term and 1 Business Day for full-term payouts. Their deposit timeline is 1-3 days.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Request Days (Short) | 0 days | 0 days |
| Request Days (Full) | 0 days | 0 days |
| Approvals (Short) | 1-3 Days | 1 Day |
| Approvals (Full) | 1-3 Business Days | 1 Business Day |
| Deposit Timeline | 1-10 Days | 1-3 Days |
Topstep allows 5 concurrent accounts, while My Funded Futures allows 3 concurrent accounts. Concurrent accounts are a great way to scale up your account. You'll pay more in fees but there's less trade management for a higher return potential.
A max risk:reward can limit your trading, make sure your backtest results are in line withe the plan's limits.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Starting Balance | $100,000 | $100,000 |
| Concurrent Accounts | 5 | 3 |
| Max Risk:Reward | N/A | N/A |
Drawdown rules may be the single most important rule. One of our key pieces of advice we give traders is pay attention to the drawdown type not just the amount.
Topstep has a End of Day drawdown limit of $3,000 (3%) with Trailing calculation, while My Funded Futures uses a End of Day limit of $3,000 (3%).
End of Day drawdowns are more trader friendly, as you have time to recover and stick through a trade.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Max Drawdown | $3,000 (3%) | $3,000 (3%) |
| Drawdown Type | End of Day | End of Day |
| Calculation Method | Trailing | Realized | Trailing | Realized |
| Drawdown Timeframe | End of Day | End of Day |
| Balance Buffer After DD | $0 | $100 |
| Balance That Ends DD | $103,000 | $103,100 |
Topstep enforces a funded daily loss limit of $2,000 (2%) with Intra-Day (Unrealized) rules, while My Funded Futures allows up to $0 (0%) None.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Daily Loss Limit | $2,000 (2%) | $0 (0%) |
| Daily Loss Limit Type | Intra-Day (Unrealized) | None |
| Max Loss After DD | $100,000 | $100,100 |
| Loss Limit Formula | Starting Balance
| Starting Balance + Buffer
|
| DLL Auto-liquidation | No | No |
Topstep allows up to 10 full contracts and 10 micro contracts in funded accounts, while My Funded Futures permits 6 full and 30 micro contracts.
Higher max contracts means more potential return, but also more risk.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Max Full Contracts | 10 | 6 |
| Max Micro Contracts | 10 | 30 |
| Full:Micro Ratio | 1:1 | 1:5 |
Topstep has no consistency requirements and offers scaling, while My Funded Futures has no consistency requirements and offers scaling. Consistency is one of the most common rules that causes account blow ups.
| Metric | Topstep 100KTopstep | My Funded Futures 100K Starter PlusMy Funded Futures |
|---|---|---|
| Consistency Required | No | No |
| Consistency Rate | N/A | N/A |
| Scaling Available | Yes | Yes |
| Scaling Details | - Below $1,500: 3 Contracts
- $1,500 - $2,000: 4 Contracts
- $2,000 - $3,000: 5 Contracts
- Above $3,000: 10 Contracts
| - Below $1,000: 2 Contracts
- $1,000 - $2,000: 3 Contracts
- $2,000 - $4,000: 4 Contracts
- Above $4,000: 6 Contracts
|
| Inactivity Limit | 30 days | 7 days |
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