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MyFundedFutures vs. Topstep: Which Prop Firm is Better in 2025

Written By: Patrick Wieland

Choosing the right futures prop trading firm can make or break your success. Whether you’re an experienced trader or just starting out, the firm you choose will dictate how much profit you keep, how quickly you get paid, and how strict the trading rules are.

Two of the biggest names in the space are MyFundedFutures and Topstep—but let’s be real, these firms are not created equal. While Topstep has been around for a while, it’s known for slow payouts, unnecessary restrictions, and an outdated two-step evaluation that makes it harder for traders to succeed.

Meanwhile, MyFundedFutures has been shaking things up with a one-step evaluation, no trailing drawdown, and payouts every 14 days—giving traders more flexibility and control over their accounts.

So, which firm is actually worth your time and money? Let’s break it down.

MyFundedFutures vs. Topstep: Key Differences

✅ MyFundedFutures is the clear winner when it comes to flexibility, keeping profits, and getting paid faster.

FeatureMyFundedFuturesTopstep
Evaluation ProcessOne-StepOne-Step ("Trader Combine")
$50K Account Cost$97/month$165/month
Minimum Days to PassNo Minimum, Same-Day PossibleMinimum of 2 Days
Activation Fees$0$149
Max Accounts Per TraderUp to 3Up to 5
Profit Split100% of first $10K, then 90/10100% of first $10K, then 90/10
Data Fees$75/month$133/month
Reset Fees$97$49
Best ForTraders who want fast payouts & fewer rulesTraders who don’t mind jumping through hoops

What Makes MyFundedFutures Stand Out?

1. ???? No Trailing Drawdown

One of the biggest frustrations traders face with Topstep is their trailing drawdown—which means as your profits grow, so does the amount you need to maintain before hitting your stop-out level. It punishes success.

With MyFundedFutures, there’s no trailing drawdown. Once you’ve secured profits, they stay yours.

2. ???? Frequent Payouts—Every 5 Winning Days

Want to actually get paidMyFundedFutures allows withdrawals every 5 winning days, while Topstep makes you hit milestones before you can even touch your money.

3. ⏩ Fast-Track Evaluation—Pass in Just 1 Day

Topstep’s evaluation drags out the process and increases costs. MyFundedFutures lets you pass in as little as one day. No waiting, no nonsense.

4. ???? No Scaling Limits or Unnecessary Rules

With Topstep, you have to follow strict daily loss limits, restrictive scaling plans, and arbitrary consistency rules that make it harder to succeed.

At MyFundedFutures, you trade on your terms.

What Makes Topstep Fall Behind?

1. ⛔ Evaluation Process

Topstep forces traders through the “Trading Combine”, making it take longer and cost more to get funded. Meanwhile, MyFundedFutures only requires a quick one step evaluation where you can pass the same day, making it faster and more efficient.

2. ???? Slow & Restrictive Payouts

While MyFundedFutures offers payouts every 5 winning days (as frequent as every week), Topstep traders have to wait until they meet multiple conditions before seeing a dime.

3. ???? Strict Trading Rules & Limited Flexibility

Topstep’s daily loss limits, profit split restrictions, and scaling plans are designed to benefit them, not traders. If you’re tired of jumping through hoops, MyFundedFutures is the better choice.

Which Prop Firm Has the Best Payouts?

???? MyFundedFutures Payout Model

  • 100% payout up to the first $10,000, then 90/10 split
  • Withdrawals every 7 days
  • No restrictions on how much you can take out

???? Topstep Payout Model

  • 100% payout only up to the first $10,000, then 90/10 split
  • Milestones & restrictions before getting your first payout
  • Longer wait times before withdrawals are processed

What this means for traders:

While Topstep lets traders keep 100% of their first $10K, they still have strict evaluation rules and payout conditions that make it harder to reach that point. MyFundedFutures offers the same profit split structure, without any payout hurdles.

Rules & Restrictions: Which Firm is More Flexible?

???? MyFundedFutures

  • No trailing drawdown
  • Fewer restrictions on strategy
  • No hidden fees or extra rules

???? Topstep

  • Trailing drawdown that punishes growth
  • Daily loss limits & consistency rules
  • Payout milestones make it harder to access profits

Traders who want fewer limitations will find MyFundedFutures much easier to work with.

Who Should Choose MyFundedFutures?

✅ Traders who want to pass quickly (as little as 1 day).
✅ Traders who want biweekly payouts and no payout restrictions.
✅ Traders who want to trade without unnecessary restrictions.

Who Should Choose Topstep?

❌ Traders who love unnecessary hoops and restrictions.
❌ Traders who prefer a two-step evaluation process that takes more time and costs more in resets.
❌ Traders who enjoy waiting forever to get paid.

If you actually want to keep more of your profits and get paid faster, MyFundedFutures is the obvious choice.

Final Thoughts & Next Steps

When comparing MyFundedFutures vs. Topstep, the choice is clear.

Why MyFundedFutures Wins:

✅ One-step evaluation (pass in 1 day)
✅ No trailing drawdown
✅ 100% of first $10K, then 80/20 split
✅ Weekly payouts (no hoops to jump through)
✅ Fewer restrictions & more trading freedom

Why Topstep Falls Short:

❌ Two-step evaluation (longer, harder, more expensive)
❌ Trailing drawdown punishes profitable traders
❌ Slow, milestone-based payouts
❌ Strict rules make it harder to succeed

???? Ready to start trading? Sign up for MyFundedFutures today and take advantage of the best funding conditions with code PW!

FAQs

MyFundedFutures offers a one-step evaluation, faster payouts, and no trailing drawdown, while Topstep makes traders go through a two-step process and limits payouts.

MyFundedFutures and Topstep both let you keep 100% of the first $10K, then 80-20 split after that. However, you can get access to that payout much quicker with MyFundedFutures.

MyFundedFutures wins. They allow withdrawals every 7 days (or 5 winning trade days), while Topstep makes you hit multiple conditions first.

MyFundedFutures starts at $97/month, while Topstep is more expensive (starts at $165).

???? Want the best deal? Check out MyFundedFutures now and use code “PW”

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