TakeProfitTrader vs MyFundedFutures: Which Futures Prop Firm Actually Delivers in 2026?

TL;DR: Both TakeProfitTrader and MyFundedFutures are solid futures prop firms with one-step evaluations and EOD drawdowns. TakeProfitTrader wins on payout speed (day-one withdrawals, 24-48hr processing) and simplicity. MyFundedFutures wins on profit retention (100% on first $10K, then 90%) and cost. If you want your money fast, go TPT. If you want to keep more of what you make, go MFFU. Both will actually pay you — I've withdrawn from both.

The Head-to-Head: What Actually Matters

TakeProfitTrader: The Speed-Focused Veteran

TakeProfitTrader launched in 2021 with one clear mission — eliminate the payout waiting game that plagued the prop firm industry. While competitors were making traders wait 7-14 days (or longer) for withdrawals, TPT introduced same-day payout requests with 24-48 hour processing.

That's still their core differentiator in 2026. And it's not marketing fluff — I've tested it multiple times. Pass the evaluation, activate your PRO account, and you can withdraw from day one. No mandatory holding periods. No "first payout after 30 days" restrictions.

How TakeProfitTrader Works

TPT uses a three-tier structure:

Test Phase (Evaluation)This is your proving ground. You're trading a simulated account with a monthly subscription fee ranging from $150 (for $25K accounts) to $360 (for $150K accounts). The rules are straightforward:

• Hit a 6% profit target (consistent across all account sizes)
• Trade for a minimum of 5 days
• Follow the 50% consistency rule (no single day can represent more than 50% of your total profits)
• Stay within the EOD trailing drawdown

The consistency rule is the filter here. On a $50K account with a $3,000 target, no single trading day can exceed $1,500 in profit. This forces you to show up multiple times and trade your plan, not just get lucky once.

PRO Account (Standard Funded)Once you pass, you pay a one-time $130 activation fee and move into a PRO account. This is where things get real:

• 80/20 profit split in your favor
• Intraday trailing drawdown (more restrictive than EOD)
• Day-one withdrawal access
• Monthly fees stop — you only paid during the Test phase

The catch? PRO accounts are simulated until you accumulate $5,000 in profits. At that point, you become eligible for live capital trading through TPT's affiliated structure. But even on sim, you're still getting paid real money — the profits are yours.

PRO+ Account (Elite Tier)PRO+ is the end goal. You get here by either:

1. Making $10,000 profit in a single trading day, or
2. Accumulating $5,000 in total PRO account profits

Once you upgrade:

• 90/10 profit split
• EOD trailing drawdown (much more flexible than intraday)
• No buffer requirement for withdrawals
• No activation fee to upgrade

The EOD drawdown on PRO+ is massive. It means you're only evaluated at the end of each trading day, not tick-by-tick. If you spike down during the session but close above your threshold, you're fine. This is critical for traders who scale into positions or trade through volatility.

TPT's 2025 Rule Changes

In January 2025, TakeProfitTrader eliminated daily loss limits across all account types. This was huge. Previously, you could hit your daily max and be locked out for the rest of the session. Now, as long as you close above your EOD drawdown, you can keep trading.

They also removed the minimum trade requirement that some firms use to keep accounts active. You don't need to trade weekly or hit arbitrary activity thresholds.

The Real Cost of Trading with TPT

Let's break down what you'll actually pay:

If you pass in your first month (realistic for disciplined traders), your total cost to funding is that monthly fee plus the $130 activation. After that, no more monthly fees — you just trade and withdraw.

TPT Pros & Cons

What Actually Works:

• Instant payout access — This is real. Day one withdrawals with 24-48hr processing via Plaid, PayPal, or Wise
• Simple rule set — No hidden gotchas. Rules are clear and consistently applied
• No daily loss limit — Trade through drawdowns as long as you close above your threshold
• Three free resets on PRO — If you blow a funded account, you get three chances to reset without paying again
• Multiple account options — $25K entry point is accessible, and you can scale up to $150K

What's Frustrating:

• $130 activation fee — It's only one-time, but it's an extra cost MFFU eliminated
• Intraday trailing on PRO accounts — More restrictive than EOD. You need to reach PRO+ for the good stuff
• 80/20 split on PRO — You're giving up 20% of every dollar until you upgrade to PRO+
• Customer service delays — Support response times can hit 3-4 days during high-volume periods
• Platform quirks — Some traders report frozen charts or connection issues, though this varies

Who Should Choose TakeProfitTrader

TPT is built for traders who value speed and liquidity. If you're someone who needs fast access to your profits — maybe you're trading for bills, reinvesting into other accounts, or just hate seeing money sit idle — TPT delivers.

It's also solid for traders who want to stack multiple accounts. With a limit of 10 funded accounts, you can run a legitimate scaling operation if you're consistent.

But if you're cost-sensitive or want to maximize every dollar of profit, MFFU's 100% on the first $10K is hard to ignore. Let's look at that now.

MyFundedFutures: The Profit-First Challenger

MyFundedFutures launched in November 2023 and immediately started making noise. By 2026, they'd climbed to a 4.9/5 Trustpilot rating with over 11,000 reviews — rare for a firm this young.

Their strategy was simple: undercut the industry on fees while offering the most generous profit split structure in futures prop trading. And it worked.

How MyFundedFutures Works

MFFU overhauled their entire account structure in 2025, replacing the old Starter/Expert system with three new tiers:

Core Plan ($50K only)The budget option. $97/month, 50% consistency rule during evaluation only (removed once funded), and a path to a $2,500 live account after earning $5,000 in sim profits. This is the cheapest entry point in the industry for a 6% profit target with no activation fee.

Scale Plan ($50K / $100K / $150K)The middle tier. Pricing ranges from $117 to $360/month depending on account size. The defining feature is position scaling — your max contract size increases as your account grows. Start with limited contracts, prove you can manage risk, then unlock higher leverage.

Pro Plan ($50K / $100K / $150K)The premium option. Same pricing as Scale ($150-$360), but you get full contract size from day one with no scaling restrictions. No consistency rule in the evaluation. This is for experienced traders who don't want training wheels.

All three plans share the same core evaluation structure:

• 6% profit target ($3K on $50K, $6K on $100K, $9K on $150K)
• EOD trailing drawdown (3% plus a $100 buffer)
• No daily loss limit
• No time limit to pass
• Minimum 2 trading days (you can pass in two sessions if you hit the target)

And here's the kicker across all plans: 100% profit split on your first $10,000, then 90/10 thereafter.

The 100% Profit Split Breakdown

This is MFFU's secret weapon. Let's say you're trading a $50K account and you make $12,000 in total profits:

• First $10,000: You keep $10,000 (100%)
• Next $2,000: You keep $1,800 (90%)
• Total payout: $11,800

Compare that to TPT's 80/20 structure on the same $12,000:

• All $12,000: You keep $9,600 (80%)
• Total payout: $9,600

That's a $2,200 difference on $12K in profits. The math gets even wilder as you scale. On $20K in profits:

• MFFU: $10,000 (100%) + $9,000 (90% of remaining $10K) = $19,000
• TPT: $16,000 (80% of $20K)
• Difference: $3,000

The crossover point where MFFU's structure pulls ahead is around $5,000 in profits. Below that, the difference is minimal. Above that, you're keeping significantly more money.

MFFU's 2026 Game-Changers

In July 2025, MyFundedFutures eliminated activation fees entirely on all new Core, Scale, and Pro plans. This removed the $149 barrier that used to exist between passing and funding.

Now, your only cost is the monthly evaluation fee. Pass in month one? You're funded with zero additional charges.

They also simplified the payout structure:

• Core/Scale accounts: Withdraw every 5 winning days
• Pro accounts: Withdraw every 14 calendar days from first funded trade
• Eval-to-Live accounts: Daily withdrawals (special program)

The "5 winning days" rule means you need 5 days where you close green before requesting a payout. This prevents traders from withdrawing after one lucky day, but it also means you're trading at least a full week before seeing money.

MFFU Pricing Reality Check

If you pass the $50K Core plan in month one, your total cost to funding is $97. That's it. No activation fee. No hidden charges. Just $97 to get access to a funded account with a 100%/90% profit split.

Compare that to TPT's $50K account: $190/month + $130 activation = $320 total.

MFFU Pros & Cons

What Actually Works:

• 100% on first $10K — Industry-leading profit split that compounds fast
• Zero activation fees — Removed entirely as of July 2025
• $97 entry point — Core plan is the cheapest path to funding in futures prop trading
• Higher pass rate — ~25% vs TPT's ~20%, likely due to more flexible evaluation rules
• Minimum 2 trading days — You can pass in two sessions if you execute well
• EOD drawdown across all accounts — No intraday trailing nonsense
• 4.9 Trustpilot rating — 11,000+ reviews, consistently positive feedback

What's Frustrating:

• Payout frequency — Every 5-14 days depending on plan. Not daily like TPT
• 5 winning days rule — You need 5 green days before first withdrawal on Core/Scale
• 5 account limit — Max of 5 sim-funded accounts vs TPT's 10
• Weekly activity requirement — Must trade at least once per week or account gets deactivated
• No $25K option — Starts at $50K, which may be too aggressive for newer traders

Who Should Choose MyFundedFutures

MFFU is built for traders who want to maximize profit retention and minimize upfront costs. If you're confident in your ability to pass quickly and want to keep as much money as possible, the 100% split structure is unbeatable.

It's also ideal for cost-conscious traders. The $97 Core plan with zero activation fees means you're risking less capital to get funded than any other major firm.

But if you need fast, frequent access to your money — like weekly withdrawals or emergency liquidity — TPT's day-one payout system is still king.

The Real Winner: It Depends on Your Trading Style

Here's the truth: both firms are legitimate. I've passed evaluations with both. Withdrawn from both. Neither one is trying to scam you or bury you in fine print.

Choose TakeProfitTrader if:

• You need fast, flexible payout access (daily withdrawals matter to you)
• You want to scale with 10+ funded accounts
• You prefer a $25K starting account size
• You value trading flexibility over maximum profit retention
• You're willing to pay $130 activation for instant liquidity

Choose MyFundedFutures if:

• You want to maximize profit retention (that 100% on first $10K is massive)
• You're cost-sensitive and want zero activation fees
• You can handle 5-14 day payout cycles
• You want the highest trader ratings and community trust
• You're confident you'll pass quickly (that $97 entry is killer value)

The firms are close enough in quality that your personal priorities should decide. Are you optimizing for speed or profit retention? Liquidity or cost savings?

Your Next Steps: Get Started with the Right Firm

Ready to make a decision? Here's how to move forward:

Start with TakeProfitTrader:Visit TakeProfitTrader.com to explore their current account options and pricing. They often run promotions like "NOFEE40" for discounts or refunds after first payout.

For a complete breakdown of TPT's rules, platforms, and trader experiences, read my full TakeProfitTrader review.

Start with MyFundedFutures:Visit MyFundedFutures.com to check out their Core, Scale, and Pro plans. Look for discount codes like "100KCAP" (15% off) or "FASTFUNDING" (50% off select plans).

For an in-depth look at MFFU's profit splits, payout policies, and evaluation process, check out my complete MyFundedFutures review.

Not sure which one fits your style? Start with the cheaper option (MFFU's $97 Core plan) and test the waters. If you pass and realize you need faster payouts, you can always add a TPT account to your rotation. Most serious prop traders run multiple accounts across firms anyway — diversification isn't just for stock portfolios.

The key is to pick one and commit. Prop firms reward consistency, not indecision. Choose based on your priorities, trade your plan, and don't overthink it. Both firms will pay you if you follow the rules and execute.

Good luck. Trade smart.