Rules as published by each firm
FUTURES vs FUTURES
End-of-Day Trailing (Intraday-Enforced) vs Intraday Trailing (Equity High-Water Mark) once funded
☪ Islamic / Swap-Free Ready
Topstep vs MyFundedFutures
Which of these two is likelier to end your account, and why — compared rule by rule from what each firm publishes.
Short answer
- The drawdown works differently, and that is the difference that matters. Topstep's loss limit steps up at each daily close and never steps back down; MyFundedFutures' follows your equity tick by tick, unrealised profit included. Topstep: A floor set at last night's close is still enforced live all session, so you can be liquidated intraday by a level you never saw move. MyFundedFutures: Open profit you give back raises that floor permanently, so it can breach you at a level that did not exist an hour earlier.
- MyFundedFutures sets no daily loss limit; Topstep caps a single day at 2%.
- Minimum trading days: Topstep 2 days, MyFundedFutures 1 day — this sets the earliest you can finish, however fast you hit the target.
- Entry cost: Topstep from $49, MyFundedFutures from $50.
Figures below are what each firm publishes. Confirm them on the firm's own site before paying for an evaluation — these rules change without notice.
Topstep
FUTURES • Max $450,000
Drawdown Model
End-of-Day Trailing (Intraday-Enforced)
Profit Split
90%
Starting Price
$49
Min Trading Days
2 Days
MyFundedFutures
FUTURES • Max $600,000
Drawdown Model
Intraday Trailing (Equity High-Water Mark) once funded
Profit Split
90% - 100%
Starting Price
$50
Min Trading Days
1 Days
Side-by-Side Specifications Matrix
Every figure below is taken from the firm's own published rules. Check the source and date under the table before you size a position on it — prop firm rules change without notice.
| Evaluation Parameter | Topstep | MyFundedFutures |
|---|---|---|
| Asset Class / Market | FUTURES | FUTURES |
| Drawdown Calculation Type | End-of-Day Trailing (Intraday-Enforced) The floor ratchets once per day on the closing balance and locks permanently when it reaches your starting balance, but the breach check runs live all session on realized plus unrealized P&L — touching it for one tick liquidates the account immediately. The threshold only steps up on your end-of-day balance and never moves down, so an open winning trade cannot drag your floor higher during the session. |
Intraday Trailing (Equity High-Water Mark) once funded Pro trails end-of-day in both stages and Builder's floor stops moving once it reaches $0 on the live account, but the firm counts open unrealised losses toward a breach even in the stages it labels end-of-day. On Rapid the max-loss line chases your live equity high, unrealised profit included, once you are funded; during the evaluation it only moves at the close. |
| Max Daily Loss | 2.0% 2% of account size ($1,000 / $2,000 / $3,000 on $50K / $100K / $150K), measured on the day's net P&L; it is optional in the Trading Combine and Express Funded Account and automatic only in the Live Funded Account, and hitting it never ends the account — it flattens you, cancels your orders and locks you out until 5 PM CT the next session. |
None (No Daily Limit) |
| Max Overall Loss | 4.0% 4% on the $50K account ($2,000); the $100K account gets 3% ($3,000) and the $150K account 3% ($4,500), because Topstep sets this limit in dollars per size rather than as a percentage. |
4.0% 4% is the $25K and $50K accounts ($1,000 and $2,000); the $100K and $150K accounts stop at $3,000 and $4,500, which is 3%. |
| Profit Split | 90% | 90% - 100% |
| Minimum Trading Days | 2 Days Two days is the Trading Combine minimum, and it only works if your best day stays under 50% of the Profit Target; the Express Funded and Live Funded accounts have their own separate day counts for payouts. |
1 Days |
| News Trading Policy | ✓ News trading is allowed, but putting on your full maximum position size directly into a scheduled major news event is a named prohibited strategy and those profits can be rejected | ✓ News trading fully permitted during open market sessions |
| Weekend & Overnight Holding | ✗ Flat by Close (Intraday futures only; every position flat by 3:10 PM CT, risk desk starts flattening at 3:08 PM CT, nothing held from one session to the next) | ✗ Flat by Close (Futures day trading only; open positions are auto-closed at 4:10 PM EST (New York session close) on regular days, but on holiday half-sessions that auto-close does not fire and you must flatten yourself or the account is breached) |
| Supported Platforms | TopstepX, Tradovate, NinjaTrader, Quantower | Tradovate, TradingView, NinjaTrader, Quantower, Fintevo, Deep Chart |
| Payout Schedule | Daily payouts after 5 winning days (+$200/day) | Daily — every 24 hours once funded and above the buffer Rapid pays out every qualifying trading day; Pro pays bi-weekly and Builder every 48 hours while sim-funded, daily once live. |
| First Payout Eligibility | 5 winning days (Standard Path) or 3 trading days (Consistency Path) Standard Path needs five winning days; the Consistency Path pays out after three trading days with at least one trade each, but only if your biggest day stays at or below 40% of total net profit. |
No fixed waiting period; payable as soon as the realised-profit buffer is cleared ($2,100 on the $50K account) Pro instead unlocks at 14 days from your first trade or when the buffer clears, whichever is later, and Builder needs the buffer plus 2 qualifying days plus $500 of net profit above it ($250 on the $25K account). |
| Consistency Rule | Trading Combine: best single day must stay at or below 50% of the Profit Target. Express Funded Consistency payout path: largest day must stay at or below 40% of total net profit Measured as your largest single day divided by the relevant total — against the Profit Target in the Combine (50%), against total net profit on the Express Funded Consistency payout path (40%, not rounded). |
40% consistency rule on Expert accounts |
| Islamic / Swap-Free Option | ✓ Inherently Swap-Free (CME Futures) Inherently Swap-Free (Topstep forces every position flat by 3:10 PM CT and permits no holding from one session to the next, so no overnight interest/riba can accrue) |
✓ Inherently Swap-Free (CME Futures) Inherently Swap-Free (CME Futures day trading; all open positions flat at session close, zero overnight interest) |
| US Residents Accepted | ✓ Accepted | ✓ Accepted |
| Maximum Capital Allocation | $450,000 | $600,000 |
Where these figures come from. Read from Topstep's own published rules on : Maximum Loss Limit · Daily Loss Limit · Combine 50%-of-Profit-Target best-day rule and · 3 · Flat 90/10 split and the pre-2026-01-12 gating · Named prohibited strategies · Trading Combine two-day minimum and the best-d · The two restriction tiers · TopstepX as the firm's own platform and the st · Quantower connects via TopstepX credentials, T · Express Funded Standard Path five-winning-day . Prop firm rules change without notice — confirm on the firm's own site before you pay for an evaluation.
Where these figures come from. Read from MyFundedFutures' own published rules on : Rapid plan · Pro plan · Builder plan · Homepage platform list (Fintevo, Deep Chart, T · Second firm-owned confirmation of the supporte · Rapid stage split · Firm's own EOD definition, including that open · Session hours 6 · Prohibited practices · Tier-1 news 2-minute blackout and the outright. Prop firm rules change without notice — confirm on the firm's own site before you pay for an evaluation.
What can end the account even if you are profitable
These are the rules people usually find out about after a payout is refused.
- Topstep: Your account is wiped the instant your balance touches the Maximum Loss Limit at any point in the session, and open unrealized losses count — you can be up on the week and still get liquidated by one spike against an open trade. source
- Topstep: In the Trading Combine your single best day must stay at or below 50% of the Profit Target, and if it goes over, Topstep raises your Profit Target instead of passing you. source
- Topstep: If you take the faster three-day payout path on an Express Funded Account, your biggest single day must be 40% or less of your total profit — Topstep does not round, so 40.1% means no payout. source
- Topstep: You must close every position by 3:10 PM CT each weekday, and Topstep's risk desk starts flattening people at 3:08 PM CT, so a winning trade left open into the close gets closed for you and nothing can be carried into the next session or the weekend. source
- Topstep: Deliberately loading up your full maximum position size right before a scheduled major news release is a banned strategy, and Topstep can reject the profits it produces. source
- Topstep: Blowing one account into its Maximum Loss Limit and then repeating the same reckless bet on your next account is banned as account stacking, and Topstep shuts it down and can refuse the profits when the gamble finally works. source
- Topstep: Deliberately draining a Live Funded Account to force it to fail is banned, so you cannot blow up a struggling live account to get a clean start. source
- Topstep: Using software, AI, ultra-high-speed systems or mass order entry to gain an unfair edge, or placing orders outside the current best bid and offer, is banned and Topstep can reject your profits and close the account. source
- Topstep: Running scalping bots, firing hundreds of seconds-long trades a day, trading recklessly into gapped markets or milking the simulator's unrealistically clean stop-loss fills gets your payout refused and you removed from the program, even if you hit the profit target. source
- Topstep: You cannot take a first payout until you have five winning days on the Standard Path, or three trading days with at least one trade each on the Consistency Path — profit alone does not unlock the money. source
- MyFundedFutures: Once you are funded on Rapid or Pro you may not hold a position or leave any order sitting in the market, resting limit orders included, from two minutes before a Tier-1 release to two minutes after it — FOMC meetings and minutes, the Employment Report and CPI, plus EIA numbers for energy traders and the Agricultural reports for grain traders — so a release at 8:30 means flat by 8:28:00 and nothing back on until 8:32:00; the same trade is allowed on evaluations and on Builder accounts, and the firm's page states the ban without spelling out the penalty. source
- MyFundedFutures: You may not copy another trader by entering, exiting or cancelling positions in step with them, the way signal and mentorship groups often do, and the firm can permanently bar you from its services for it rather than just voiding the trades. source
- MyFundedFutures: You may not hold a buy and a sell on the same underlying market at the same time — being long Micro Nasdaq while short E-mini Nasdaq counts as the same market — and the firm treats it as a fair-play violation that can end your agreement and confiscate your profits. source
- MyFundedFutures: High-frequency trading is banned on every plan with no published speed or frequency threshold to measure yourself against, and being flagged for it can terminate your agreement, confiscate your profits and fail your evaluation. source
- MyFundedFutures: You must trade from a device no other trader uses — a mentor and student sharing one laptop, phone or tablet breaks the rule — and it is treated as a prohibited practice that can permanently restrict the accounts involved. source
- MyFundedFutures: If an order is rejected around the 4:10 PM EST close, do not keep resubmitting it: one of those retries occasionally fills after the close, and the firm disqualifies the account for it even though you never meant to trade late. source
- MyFundedFutures: On holiday-shortened trading days the automatic 4:10 PM EST flatten does not run, so you have to close your own positions before the early close or the account is breached. source
- MyFundedFutures: On the Builder plan you cannot request your first payout until you have cleared the buffer ($2,100, or $1,600 with the add-on, on the $50K account), traded on at least 2 qualifying days, and banked at least $500 of net profit on top of that buffer ($250 on the $25K account) — there is no fixed date at which it simply becomes available. source
Drawdown Architecture: Topstep vs MyFundedFutures
The fundamental differentiator between Topstep and MyFundedFutures lies in how risk and liquidation thresholds are tracked:
Topstep: End-of-Day Trailing (Intraday-Enforced)
Topstep applies a End-of-Day Trailing (Intraday-Enforced) approach. Under this structure, your stop loss floor is anchored to balance intervals. This ensures that temporary floating open profits do not pull your stop loss floor higher in real-time.
MyFundedFutures: Intraday Trailing (Equity High-Water Mark) once funded
MyFundedFutures implements a Intraday Trailing (Equity High-Water Mark) once funded model. Open equity peaks will instantly adjust your maximum loss threshold tick-by-tick.
The Trader's Verdict: Which Firm Should You Choose?
Depending on your trading style, asset preference, and capital requirements, here is how our research team segments the two providers:
Choose Topstep if you:
- Want End-of-Day Trailing (Intraday-Enforced) risk management.
- Trade primarily FUTURES instruments with TopstepX, Tradovate, NinjaTrader.
- Value Disciplined futures day traders who prioritize End-of-Day drawdown protection and rapid daily payout availability.
- Do not mind closing before the daily market session closes.
- Seek up to $450,000 in maximum scaling capital.
Choose MyFundedFutures if you:
- Prefer Intraday Trailing (Equity High-Water Mark) once funded execution terms.
- Trade FUTURES via Tradovate, TradingView, NinjaTrader.
- Value Futures traders seeking End-of-Day (EOD) drawdown calculation with zero daily loss limit and no activation fees on Expert plans.
- Require strict intraday liquidity and same-day/daily payout options.
- Want access to starting entry fees at $50.
Frequently Asked Questions: Topstep vs MyFundedFutures
Which firm offers a better drawdown model between Topstep and MyFundedFutures?
Topstep uses End-of-Day Trailing (Intraday-Enforced), while MyFundedFutures utilizes Intraday Trailing (Equity High-Water Mark) once funded.
Traders who hold positions through volatile pullbacks typically favor Topstep, whereas scalpers capitalizing on quick momentum benefit from Topstep.
Can I trade both Topstep and MyFundedFutures accounts at the same time?
Yes. Many professional prop traders run trade copiers (such as Replikanto for NinjaTrader futures, or Social Trader Tools for MT4/MT5 CFDs) to mirror trades across both Topstep and MyFundedFutures simultaneously, diversifying broker risk and maximizing total payout potential.
Which prop firm has faster payout disbursements?
Topstep processes payouts on a Daily payouts after 5 winning days (+$200/day) basis (5 winning days (Standard Path) or 3 trading days (Consistency Path)), whereas MyFundedFutures operates on a Daily — every 24 hours once funded and above the buffer schedule (No fixed waiting period; payable as soon as the realised-profit buffer is cleared ($2,100 on the $50K account)). Both platforms support crypto and direct bank transfers.