My Funded Futures vs Topstep 2025: Which Funded Account Truly Pays?
Disclosure
This page may contain affiliate links. This means we earn a small commission (at no additional cost to you) if you purchase a product through our links. Prop firms have exploded in popularity over the last few years. Why? Because they promise the golden ticket: access to large amounts of trading capital without needing to risk your own account. And if you’ve been looking for a funded futures trading platform, chances are you’ve already come across My Funded Futures and Topstep. Now, if you’re just starting out in the prop trading world or you’re a seasoned trader tired of restrictive rules and endless fees, this comparison is for you. Because while both platforms offer the chance to trade with someone else’s money (and pocket the profits), the experience they deliver is not created equal. My Funded Futures (or MFFU) and Topstep may operate in the same space, but their approach to getting you funded, keeping you profitable, and letting you actually enjoy the process is miles apart.
No doubts, as a trader, you want fast evaluations, fewer restrictions, and frequent payouts. You want transparency and flexibility. And most importantly, you want to actually make money without jumping through unnecessary hoops.
In this comparison, we’re breaking it all down. From the evaluation process to pricing, payouts, platform compatibility, and overall user experience, we’re going to take a close, look at both My Funded Futures and Topstep. So, whether you’re a beginner curious about where to start, or an experienced trader looking to make a switch, this article is your ticket to making a better, smarter call for your trading future.
For more detailed analysis, check out our full My Funded Futures Review.
| My Funded Futures is Better for: | Topstep is Better for: |
| Faster Evaluation Process | Slower Two-Phase Evaluation |
| More Frequent Payouts | Longer Withdrawal Wait |
| Funded accounts without Activation Fee | One-time activation fee |
By the end of this My Funded Futures vs Topstep comparison, you’ll know exactly which prop firm aligns with your trading style, and which one will help you turn your skills into real profits.
 |  | |
| Service Type | Prop Trading Firm | Prop Trading Firm |
| Fees | Starting from $97 (No activation fee) | $165 to $375 /month + $149 activation fee |
| Customer Support | Email, Live Chat, Discord | Email, Live Chat, Phone |
| Best Use | Traders who want fast funding & flexible rules | Traders okay with stricter rules & slower funding |
| Current Promotion | More InfoZero Activation Fee | More Info |
| Modest Money Overall Rating |
| |
| Service Type | Prop Trading Firm |
| Fees | Starting from $97 (No activation fee) |
| Customer Support | Email, Live Chat, Discord |
| Best Use | Traders who want fast funding & flexible rules |
| Current Promotion | More InfoZero Activation Fee |
| Modest Money Overall Rating |
| |
| Service Type | Prop Trading Firm |
| Fees | $165 to $375 /month + $149 activation fee |
| Customer Support | Email, Live Chat, Phone |
| Best Use | Traders okay with stricter rules & slower funding |
| Current Promotion | More Info |
| Modest Money Overall Rating |
Factor 1: Funding Speed and Process
- My Funded Futures: Streamlined One-Phase Challenge for Faster Funding
- Topstep: Lengthy Two-Phase Evaluation Delays Funding
My Funded Futures
My Funded Futures makes funding fast and straightforward with its single-phase challenge system. You complete one evaluation phase, meet the profit targets and trading rules, and you’re instantly funded. There’s no jumping through hoops or repeating multiple rounds, which means you get access to real capital and live trading much quicker. This speed matters especially for traders who want to capitalize on current market conditions without waiting weeks or months to get funded.
Topstep
Topstep, by contrast, requires traders to pass two separate evaluation phases known as Combine 1 and Combine 2 before earning funding. This multi-step process can stretch out over weeks or even months, with no guarantee of passing the second phase even if you do well in the first. For traders who have limited time or want faster capital access, this drawn-out procedure can be frustrating and costly.
The streamlined process of My Funded Futures means less downtime, lower emotional strain, and quicker access to live account trading. It’s an efficient setup designed with the trader’s needs at the forefront, while Topstep’s slower evaluation model feels outdated and unnecessarily complicated.
Factor 2: Profit Payout Flexibility
- My Funded Futures: Frequent Payouts Every 5 Winning Days
- Topstep: Payouts Delayed Until 5 Non-Consecutive Profit Days
My Funded Futures
A trader’s goal isn’t just to get funded, it’s to earn profits and withdraw them when needed. My Funded Futures understands this and offers one of the most flexible payout schedules in the industry: traders can request profit withdrawals every 5 winning trading days. This means you don’t have to wait forever or hit complicated milestones before you see your gains. Frequent payouts improve cash flow, reduce stress, and let you reinvest or enjoy your profits as you trade. What’s more, My Funded Futures makes all payout rules plainly visible on your dashboard. From day one, you see exactly how many winning days you’ve accumulated, what your next withdrawal window looks like, and when you can request funds. That transparency removes guesswork and lets you align trading goals with real-world cash needs, essential for those who depend on trading income to cover expenses.
Topstep
Topstep, however, requires traders to hit 5 non-consecutive profitable trading days before they can request a payout. This subtle but critical difference means you might need many more actual trading days to unlock withdrawals, especially in choppy or volatile markets. The restriction limits liquidity for traders, particularly those who trade part-time or have inconsistent schedules, creating a barrier to realizing profits quickly.
Factor 3: Cost Transparency and Fee Structure
- My Funded Futures: Simple, Clear Pricing with No Activation Fees
- Topstep: Higher Monthly Fees and Hidden Activation Charges
My Funded Futures
Cost and fee clarity can make or break your trading profitability. My Funded Futures stands out with a straightforward and affordable pricing model. The monthly subscription fees start low (as little as $97 for the Starter plan), and crucially, there are no activation fees once you pass the challenge and get funded. This transparent pricing ensures traders know exactly what they’ll pay, with no surprise charges eating into profits.
Topstep
Topstep’s fee structure is significantly more expensive, with monthly fees ranging between $165 and $375 depending on the account size, and an additional $149 Activation Fee per Express Funded Account applied after you pass their evaluation. These fees can add up quickly and become a burden, especially for traders who face multiple attempts before funding or who trade smaller accounts. The hidden activation charge feels like a penalty just for succeeding, which can sour the overall experience.
Simply put, My Funded Futures offers a trader-friendly, transparent fee structure designed to maximize your net profits, while Topstep’s costly and sometimes confusing fees can eat away at your bottom line and complicate your budgeting.
Final Verdict: My Funded Futures vs Topstep, Who Wins?
So, after digging deep into My Funded Futures vs Topstep, what’s the final word? Simple! If you value fast funding, low fees, trader-friendly rules, and actually being able to keep more of your profits, then My Funded Futures is the obvious choice. It delivers a simpler, smarter way to get funded and start trading without the stress. Topstep is still a solid platform, especially if you prefer a more traditional structure and don’t mind stricter rules. But for the modern trader looking to maximize opportunity with fewer barriers, My Funded Futures takes the crown.
It’s not just about who’s more popular or who’s been around longer, but about which platform sets you up to win. And based on what we’ve seen here, My Funded Futures does exactly that.
So, if you’re ready to get funded fast, trade with fewer limitations, and finally keep more of what you earn, My Funded Futures is the prop firm that deserves your attention.