If you're choosing your first futures prop firm, two names keep coming up — and for good reason. Both are beginner-friendly in ways the trailing-drawdown crowd isn't. But Topstep vs MyFundedFutures isn't a tie: they're forgiving in different ways, and the right pick depends on whether you value a long track record or the simplest possible drawdown.
I'm the founder of FundedScore, and I've funded evaluations at both. Here's the honest head-to-head.
Topstep vs MyFundedFutures at a glance:
- Founded: Topstep 2012 · MyFundedFutures 2023
- Drawdown: Topstep = end-of-day · MyFundedFutures = static
- Cheapest eval: Topstep ~$49 · MyFundedFutures ~$80
- Profit split: 90% at both · both may apply a consistency rule
The one-line answer
Topstep wins on trust and price; MyFundedFutures wins on the simplest drawdown. Both are excellent starter firms — now the detail.
Topstep — the trusted veteran
Topstep has been funding traders since 2012, the longest track record in futures prop. That history is its biggest asset: when a beginner asks "will they actually pay me," Topstep's decade of payouts answers it. It uses a forgiving end-of-day drawdown (recalculated at the close, so intraday heat doesn't move your floor mid-trade), has the cheapest entry eval (~$49), and offers strong education and support.
The trade-offs: a consistency target before your first payout, and a daily loss limit that can end a session early — read the daily loss limit explained so it doesn't surprise you.
Best for: traders who want maximum trust and the cheapest trusted entry.
MyFundedFutures — the simplest drawdown
MyFundedFutures (founded 2023) earned its reputation on one feature: a static drawdown on its Starter plan. The floor is fixed for the life of the account, so a normal pullback can't fail you the way a trailing model can. Newer traders find it the easiest mechanic to reason about. It pairs that with no activation fee on several plans and a quick first-payout window. For a full playbook, see mastering the MyFundedFutures challenge.
The trade-offs: a shorter payout history than Topstep (it's a younger firm), and a consistency rule on some plans.
Best for: beginners who want the most forgiving, easiest-to-understand drawdown.
Topstep vs MyFundedFutures: the head-to-head
- Drawdown: Both forgiving, differently. Topstep's end-of-day model rewards closing flat-to-up; MyFundedFutures' static floor never moves at all. For pure simplicity, MFFU edges it — see trailing vs static drawdown.
- Price: Topstep is cheaper to enter (~$49 vs ~$80). Over a few learning attempts, that adds up — see cheapest futures prop firm evaluations.
- Trust: Topstep's decade-plus record beats a 2023 firm, full stop.
- Payouts: Both 90%, both with conditions; Topstep's consistency target is well-documented, MFFU's varies by plan.
So which should you pick?
- Want the safest, cheapest trusted start? Topstep.
- Want the simplest drawdown to learn on? MyFundedFutures.
- Genuinely torn? Start with Topstep's cheap eval to learn the ropes, then add an MFFU static account once you know your style — running both is common and cheap.
A useful tiebreaker: think about how you tend to fail. If your past blow-ups came from panicking on normal pullbacks, MyFundedFutures' fixed static floor will calm you down the most — there's simply no trailing number to watch. If they came from oversizing or revenge trading, Topstep's daily loss limit and consistency target impose the structure that reins exactly that in. Pick the firm whose guardrails fix your specific weakness, not the one with the prettier marketing — that's the choice that actually gets you funded.
Either way you're choosing from the two friendliest firms for newcomers, so it's hard to go wrong. Just match the drawdown to how you think: fixed-floor simplicity (MFFU) or proven end-of-day forgiveness (Topstep). See both in the best futures prop firms ranking and compare every number in the comparison table.
Frequently asked questions
Is Topstep or MyFundedFutures better for beginners? Both are beginner-friendly. MyFundedFutures has the simpler static drawdown, while Topstep offers a longer track record and a cheaper entry eval. New traders who want the most forgiving mechanic lean MFFU; those who want trust and low cost lean Topstep.
What's the main difference between Topstep and MyFundedFutures? The drawdown type. Topstep uses an end-of-day drawdown (recalculates at the session close), while MyFundedFutures' Starter plan uses a static drawdown with a fixed floor for the life of the account.
Which is cheaper, Topstep or MyFundedFutures? Topstep's entry-tier evaluation is cheaper (~$49 vs ~$80), though both run promotions. Factor in reset and activation fees for the true cost to a payout.
Does Topstep or MyFundedFutures pay out faster? They're comparable — both pay on demand once you meet requirements, and MyFundedFutures has a quick first-payout window on some plans. If raw payout speed is your priority, Take Profit Trader (day-one) beats both.
Which has better rules for new traders? MyFundedFutures' fixed static floor is the simplest to reason about, while Topstep pairs a forgiving end-of-day drawdown with a consistency target. Both are beginner-friendly — pick the drawdown style that fits how you think.
Related guides
- Apex vs Take Profit Trader vs Topstep
- Trailing vs Static Drawdown explained
- Best futures prop firms for beginners
- Mastering the MyFundedFutures challenge
Trading futures carries substantial risk of loss. Nothing here is financial advice.
