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MyFundedFutures Review 2026 — Rules, Payouts, Accounts & Limits
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MyFunded Futures
Overview
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What I Like & What Could Be Better
My Experience
I started trading MyFundedFutures in late 2023, before most people in the prop trading space had heard of them. At the time they were just another entry in the "futures prop firm" category, and I took a shot on a $50K Starter eval mostly because the monthly fee was low enough that losing it wouldn't sting.
That first eval I passed in about eight trading days. Clean, no drama. The profit target was reasonable against the drawdown, and the EOD drawdown structure meant I wasn't getting stopped out mid-session by a fast market. I requested payout, it came through on RiseWorks within a business day, and that was it — I was in.
Since then I've passed between 15 and 20 evaluations across different account sizes. Some I failed on my own terms (bad news trading decisions, one blow-up on FOMC where I should have known better). A handful I passed quickly and ran the funded accounts until payouts stacked up. The process has been consistent across all of them.
The July 2025 plan overhaul changed the naming and some structural details, but the core experience stayed the same: one-phase eval, reasonable targets, clean EOD drawdown, and no surprise rule changes during the funded phase.
Payouts — What Actually Happened
I've pulled more than $20,000 out of MFFU accounts over two years. Not all at once — that's across multiple funded accounts, multiple payout cycles.
Processing is next-business-day in my experience. Not same-hour. I've seen MFFU market materials imply faster, but practically speaking, you submit before market close, the funds hit the following day. That's fine — it's what they say in their help docs, and it matches what I've seen.
I've had zero disputes, zero delays, zero situations where I submitted a valid withdrawal and it didn't process. That track record across 15+ funded accounts over two years means something. This isn't a firm where payout reliability is the question.
The July 2025 Overhaul
When MFFU announced they were replacing Starter, Expert, and Milestone with Core, Rapid, and Pro, some traders panicked. Every rule change at a prop firm triggers panic — people assume it means a payout cap, worse splits, hidden restrictions.
This wasn't that.
Core kept the low-cost entry point but capped account size at $50K. Rapid introduced a genuinely new payout structure — fast cadence, daily-ish access, but with intraday trailing drawdown instead of EOD. Pro replaced Expert: no consistency rule funded, no scaling requirements, bi-weekly payouts up to $100K total. Activation fees disappeared entirely across all plans.
My view: it was an improvement. The old Milestone plan was confusing and underused. The old Expert structure was good but overpriced for what you got. The new lineup is cleaner and more honest about the tradeoffs.
Where I Am Now
MFFU is still part of my regular rotation. I run it alongside Lucid, Tradeify, and TakeProfitTrader — mixing account types depending on my trading style that month. Right now I'm primarily on Pro accounts at the $100K level. The bi-weekly payout window suits my style better than the every-5-winning-days structure on Core.
If I had to pick one firm only, it wouldn't be MFFU. The $100K total payout cap on Pro is a ceiling I don't want to deal with long-term. But as part of a multi-firm setup, it holds up.
Account Types & Pricing
The Three Plans: What They Are and Who They're For
MFFU overhauled their entire account lineup in July 2025. The old Starter/Expert/Milestone structure is gone. You now choose between three plans: Core, Rapid, and Pro. Each has a genuinely different drawdown model — not just a different price point.
Pricing Breakdown
No activation fees on any plan.
The Real Tradeoff Between Plans
Core is the budget entry. $77/month for a $50K account with EOD drawdown is genuinely cheap by current prop firm standards. The catches: it's capped at $50K, the funded split is 80/20, and the 40% consistency rule means your biggest day can't be more than 40% of your payout cycle profits. If you're consistent, it works. If you have wild swings, it will frustrate you.
Rapid looks attractive because 90/10 is the best split in the lineup. But you're trading EOD drawdown for intraday trailing at 4% — meaning the drawdown floor follows your real-time equity, including unrealized PnL. For a $50K account that's a $2,000 intraday max loss from your equity peak. If you let winners run and they pull back before you close, you'll eat into your buffer faster than the math suggests.
Pro is for traders who want maximum flexibility once funded: no consistency rule, no scaling requirements, trade full position sizes from day one. Bi-weekly payouts suit a certain trading rhythm. The $100K total payout cap across all accounts is the one real constraint worth knowing upfront.
Trading Rules You Need To Know
The drawdown calculation is plan-specific — and this trips traders up.
On Core and Pro: MFFU uses EOD trailing drawdown. The drawdown floor resets at end of day based on your closing balance. It trails up as your account grows, but stops trailing once your floor reaches your starting balance. For a $50K account with 3% drawdown that's a $1,500 floor that trails up — then locks at $50K once your balance gets there. After that, it doesn't matter how much you make; the floor stays at your starting balance.
On Rapid: the drawdown is intraday trailing at 4%. For a $50K Rapid account that means the floor sits $2,000 below your equity peak, updated in real time. If you're up $1,500 on open positions and haven't closed them, your floor has already moved up by $1,500. Give those back and you're $1,500 closer to a breach than you were when you opened the trade.
News trading. Tier 1 events — FOMC, CPI, NFP, and a handful of others — have a 2-minute restriction window before and after the announcement on Core and Rapid plans. You must be fully flat during that window. Pro plan also restricts Tier 1 news trading. No exceptions. I've seen traders lose funded accounts by holding a position through a report they thought was minor. Check the economic calendar. Every session.
The consistency rule on Core. In the funded phase, no single trading day can generate more than 40% of your total profits for that payout cycle. If you're at $1,000 profit for the cycle, your ceiling that day is $400. Hit $401 and you won't get paid that day's excess. The rule doesn't kill your account — but it caps a big day and resets the math, which affects your payout timing more than people expect.
The Rules That Actually Help You
No daily loss limit on any MFFU plan. This is a meaningful structural difference from firms like Topstep. At Topstep you can have a technically fine account get smashed by their DLL mid-session. At MFFU, the only floor that matters is the EOD drawdown — you manage your own intraday risk.
No minimum trading days to pass an eval. You can theoretically pass in a single trading session if you hit the profit target and stay within drawdown. Most traders take longer, but there's no arbitrary day count minimum padding your eval time.
Overnight holding is permitted across all plans. Hold through the close, manage against EOD drawdown, and there's no rule stopping you from carrying a position into the next session.
The Sim-Funded Model
MFFU runs what they call a "sim-funded" structure. You trade on a simulated account with real rules until you accumulate enough payouts and meet their criteria — then you transition to a live account with real capital. This is standard for newer prop firms managing compliance and risk. The payouts themselves are real money regardless of which stage you're at.
Platforms You Can Trade With
What's Actually Supported
MFFU connects via Rithmic infrastructure, which means any platform with a Rithmic integration works. In practice:
I primarily use Tradovate for MFFU accounts. The interface is clean, it handles the Rithmic connection reliably, and the web version means I don't need to maintain a local installation. For order flow work I'll occasionally flip to NinjaTrader on the same account.
Execution Quality
MFFU switched to DXFeed for market data. In practice this means tighter data latency and better tick accuracy compared to the earlier setup. I haven't experienced significant execution issues on ES, NQ, or GC — the instruments I trade most on these accounts.
Mobile is limited. Tradovate has a mobile app but it's not built for active trading — order entry is functional, monitoring is fine. If you're mobile-first this is a weak point for the whole prop firm space, not just MFFU.
My Strategy To Regular Payouts
Risk Management Inside MFFU's Rules
The EOD drawdown structure on Core and Pro is forgiving for position traders but requires discipline on position sizing. My rule: never have open risk that exceeds 60% of my remaining drawdown buffer. For a $50K Pro account where I've made $2,000 and my floor hasn't locked yet, that means my max open risk on all positions combined is $900. It sounds conservative. It's why I don't breach accounts.
On Rapid the calculation is different. The intraday trailing model means you need to be aware of your equity peak, not just your account balance. If you're up $1,200 on open positions and the market goes against you, your floor has already moved up. Treat the Rapid plan like you're trading against your equity, not your starting balance.
Handling the Consistency Rule on Core
The 40% consistency rule in Core's funded phase requires a different payout psychology than most traders are used to. Rather than trying to max out every session, the optimal approach is steady accumulation across five winning days — which is also the minimum for a payout request.
If you have a strong day that would push you over the 40% threshold, consider scaling down size for the remainder of that session. Banking a clean 35% day keeps the cycle intact. Trying to force the ceiling exactly doesn't pay better — it just creates timing friction.
Common Mistakes I See Traders Make at MFFU
The biggest one: confusing the plan's drawdown rules. Traders who researched MFFU when the old Starter/Expert plans were active still think the firm uses one universal drawdown model. It doesn't anymore. Core and Pro are EOD. Rapid is intraday. Getting this wrong on Rapid is account-ending.
Second: news trading on Core without checking the calendar. The Tier 1 restriction isn't debatable — you hold through a CPI report on Core and you're in violation, even if the trade ends green. I've made this mistake. Set your economic calendar alert for 2 minutes before every Tier 1 event. Flat before the bell.
Third: treating the payout cap on Pro as a distant concern. If you're running multiple Pro accounts and posting consistent months, $100K cumulative goes faster than you think. Have a plan for when you hit it.
Trust & Legitimacy: What You Need To Know
Payout Track Record
The payout evidence on MFFU is broad and consistent across communities. Their Trustpilot rating sits at 4.9/5 from over 11,000 reviews as of early 2026, which is among the highest in the funded futures space. More useful: the review content itself. You can scroll through the negative reviews and they're overwhelmingly rule violations, not payment disputes. That pattern matters.
I've withdrawn over $20,000 across more than a dozen payouts. Not once has a valid request not been processed. For context, I've also traded with Lucid, Tradeify, and TakeProfitTrader over the same period — MFFU's payment reliability is on par with the best firms in this space.
Company Background
MyFundedFutures was founded by Matthew Leech, who also runs MyFundedFX (a forex prop firm). MFFU launched in late 2023 as a futures-specific operation — deliberately built around regulated US CME Group instruments rather than trying to cover every asset class.
The company reports 72,000+ active traders. They're based in Dover, Delaware. Leech has stated publicly that the firm is pursuing NFA and CFTC compliance — important context for traders who want regulatory alignment in their prop firm relationships.
Red Flags and Concerns — Being Honest
The sim-funded model is what it is. MFFU is not a registered broker and does not give you direct market access at the start. You trade on simulated capital until you meet their progression criteria. This is industry-standard for most prop firms at this scale, but you should understand that "funded account" means different things at different firms.
The $100K total payout cap on Pro accounts is underdiscussed. If you're a consistently profitable trader running multiple Pro accounts, you will hit this ceiling. Plan for it.
MFFU launched in late 2023. Two years of operation is solid — but it's still shorter than Topstep (2012) or TakeProfitTrader (2018). Track record matters in prop trading. MFFU's is clean so far. Longer would be better.
The plan naming is confusing for new traders who research the firm and hit articles still referencing the old Starter/Expert structure. The July 2025 overhaul was real and significant. Any information you read that doesn't mention Core/Rapid/Pro is outdated.
How Long MFFU Has Operated vs Competitors
How This Firm Compares To Other Ones
Where MFFU Wins
Platform flexibility. Topstep is still forcing traders onto TopstepX in 2026. MFFU lets you connect Tradovate, NinjaTrader, ATAS, Quantower, or TradingView — your choice. For traders who've built their workflow around specific tools, this is a decisive advantage.
No activation fees. TakeProfitTrader still charges $130 for activation on standard accounts. MFFU eliminated the activation fee entirely in July 2025. That's a real cost difference, especially for traders scaling across multiple accounts.
Payout reliability. Two years of clean payouts, 11,000+ Trustpilot reviews, 4.9 rating. The track record is solid.
Where MFFU Loses
Profit split on Core and Pro. 80/20 is lower than Topstep, TPT, Lucid, and Tradeify which all offer 90/10. Rapid's 90/10 is competitive, but Rapid has intraday trailing drawdown — which isn't a straight upgrade. For EOD traders wanting 90/10, Topstep or TPT is a better deal.
Payout ceiling on Pro. The $100K cumulative cap is a real constraint for high performers. Topstep and TPT don't have this ceiling.
Two-year track record. MFFU is still newer than most competitors. That's not disqualifying — but it's honest.
My Recommendation by Trader Type
Choose Core if you want the cheapest entry into a legitimate futures prop firm, you're trading a $50K account size, and you can work within a 40% consistency rule. $77/month is hard to beat for what you get.
Choose Rapid if you want the fastest payout access and the highest split (90/10) in the MFFU lineup, and you're confident in your intraday risk management. The intraday trailing drawdown requires real discipline — don't choose Rapid because 90/10 looks good and assume the rest is similar to Core. It's not.
Choose Pro if you're running a structured, consistent trading approach, want no consistency rule in the funded phase, and prefer a predictable bi-weekly payout schedule over chasing the fastest withdrawal. Best fit for experienced traders managing $100K-$150K accounts.
Skip MFFU and try TakeProfitTrader if you want day-one withdrawal access with same-day requests, and payout speed is your top priority. TPT processes faster.
Skip MFFU and try Topstep if you want the longest track record in the space (since 2012) and a 90/10 split on EOD drawdown accounts. Topstep's platform limitation is real, but the brand reliability and split are hard to argue with.
Frequently Asked Questions
What is MyFundedFutures?
MyFundedFutures is a US-based futures prop trading firm that gives traders access to funded sim accounts ranging from $50K to $150K. After a one-phase evaluation, passing traders move into a sim-funded stage with real payouts, then eventually to a live account. The firm was founded by Matthew Leech in late 2023 and operates alongside MyFundedFX, a forex-focused prop firm.
What are the current account plans at MFFU?
As of July 2025, MFFU offers three plans: Core ($50K only, 80/20 split, EOD drawdown, $77/month), Rapid ($50K-$150K, 90/10 split, intraday trailing drawdown, starting at $129/month), and Pro ($50K-$150K, 80/20 split, EOD drawdown, no consistency rule funded, starting at $229/month).
What's the profit split at MyFundedFutures?
It depends on the plan. Core and Pro are 80/20 — you keep 80%. Rapid is 90/10. There's no activation fee on any plan, so the split is what you see.
What type of drawdown does MFFU use?
Core and Pro use EOD (End-of-Day) trailing drawdown at 3% of the initial account size. Rapid uses a 4% intraday trailing drawdown, updated in real time including unrealized PnL. The distinction matters significantly for how you manage open positions.
Is there a daily loss limit at MFFU?
No. None of the plans have a daily loss limit. The only floor you manage against is the trailing drawdown on your plan — EOD on Core and Pro, intraday on Rapid.
Can you hold overnight at MFFU?
Yes, overnight holding is permitted on all plans. With EOD drawdown on Core and Pro, your floor resets at end of day based on your closing balance — overnight positions are part of that calculation.
How fast are MFFU payouts processed?
In my experience: submit before close, receive the following business day via RiseWorks bank transfer. The firm's materials suggest faster in some cases — realistically expect next-day processing on fiat withdrawals. Crypto payouts have different timelines depending on the blockchain.
Is there a consistency rule at MFFU?
Core has a 40% consistency rule in the funded phase — no single day's profit can exceed 40% of your total payout cycle profits. Rapid has no consistency rule in the funded phase. Pro has no consistency rule in the funded phase. All plans have a 50% consistency rule during the evaluation phase.
What platforms work with MFFU accounts?
Tradovate, TradingView, NinjaTrader, Quantower, ATAS, Volumetrica/Volsys, and R Trader Pro. MFFU connects via Rithmic, so any Rithmic-compatible platform should technically work. I use Tradovate primarily.
Is news trading allowed at MFFU?
Restricted on all plans around Tier 1 events — FOMC, CPI, NFP, and several others. You must be fully flat 2 minutes before and remain flat 2 minutes after each event. Violations don't immediately kill your account but can cause payout issues if you're in the funded phase.
Is MyFundedFutures legit?
Yes. 4.9/5 on Trustpilot from 11,000+ reviews, two years of documented payouts, broad community verification, and zero structural indicators of a firm withholding valid payments. I've personally withdrawn $20K+ across multiple accounts. The sim-funded structure is what it is — not direct market access — but that's disclosed.
What are the biggest differences between MFFU and Topstep?
Topstep has been operating since 2012 — much longer track record. Topstep offers 90/10 splits on EOD accounts. Topstep requires you to use TopstepX. MFFU supports 7+ platforms, has no activation fee, and runs three plan variants. For experienced traders who already use Tradovate or NinjaTrader, MFFU's platform flexibility is the decisive advantage.
Who should NOT trade with MFFU?
Beginners who haven't traded futures at all. The sim-funded structure and plan-specific rules (especially Rapid's intraday drawdown) require real understanding before you risk eval fees. Mobile-first traders — the platform support is desktop-focused. Traders who need 90/10 splits on EOD accounts — Core and Pro are 80/20; for 90/10 EOD you're better at Topstep or TakeProfitTrader.
Has MFFU changed their plans recently?
Yes — significantly. In July 2025 they replaced the old Starter, Expert, and Milestone plans with Core, Rapid, and Pro. Activation fees were eliminated across all plans at the same time. Any information you read that references Starter or Expert is describing the old structure. The rules and pricing are different under the current plans.
What's the maximum payout at MFFU?
Depends on the plan. Core caps payout accumulation at $5,000 per cycle. Rapid caps at $11,250 per cycle. Pro has a $100K total cumulative cap across all accounts combined. After hitting that cap, you move to the live account stage.