My Funded Futures

My Funded Futures review: our verdict

My Funded Futures (MFFU) suits futures day traders who want a one-time evaluation fee, no activation fee and a choice of payout styles: daily payouts at a 90% split on Rapid, a 48-hour payout cycle on Builder, or larger fortnightly requests on Pro. The main trade-offs are that the Rapid plan uses an intraday trailing drawdown, Builder and Pro pay an 80% split, Builder payouts are capped per cycle, and several official MFFU pages contradict each other on details such as contract limits and minimum days.

MFFU scores 8.4/10 in our ratings and ranks first of the 10 futures prop firms we currently rate. Scores combine rules, costs, payout terms, platform choice and reputation, as described in our methodology. Strong reputation data and low ongoing costs carry most of the score; the inconsistent rule pages are the main deduction.

Programs and pricing

MFFU sells four evaluation-based plans, all priced as a one-time payment with no renewals and a $0 activation fee. Its homepage also describes a newer Studio range with a static maximum loss of $250, $500 or $1,000, but shows no prices for it, so we have not covered it in detail.

• Builder ($25K to $150K): end-of-day (EOD) trailing drawdown, a soft daily loss limit, payouts every 48 hours at 80%, and promotion to a live account after five approved sim payouts.
• Rapid ($25K to $150K): intraday trailing drawdown, no daily loss limit, daily payouts at 90% and no consistency rule once funded.
• Rapid EOD ($25K and $50K only): the Rapid payout model with an EOD trailing drawdown, a 4-day minimum and a 30% evaluation consistency rule.
• Pro ($50K to $150K): EOD trailing drawdown, no daily loss limit, payouts every 14 days at 80%, and a stated limit of up to $100,000 in total sim funded payouts per user.

MFFU's homepage shows one headline price per plan rather than a full price list by size. The figures below are in US dollars from myfundedfutures.com in November 2026; we believe they refer to the 50K tier (the 25K tier where a plan starts there is likely cheaper), but the site does not say so.

MFFU's own Rapid EOD article lists $87 (25K) and $135 (50K) as one-time fees but also gives $157 for the 50K elsewhere on the same page, so treat checkout as the final word. Discount codes are frequent and change often. MFFU mentions a reset fee for failed evaluations but does not publish the amount on the pages we checked. Its How It Works page and terms state that evaluation fees are non-refundable, with any exceptions governed by a separate cancellation and refund policy.

Trading rules explained

Profit targets

Targets are the same on every plan: $1,500 (25K), $3,000 (50K), $6,000 (100K) and $9,000 (150K). Profit is measured on the account balance, and you must also complete the minimum days and any evaluation consistency rule before passing.

Daily loss limit

Only Builder has one: $600 (25K), $1,000 (50K), $1,750 (100K) and $2,500 (150K). It is a soft pause, not a breach: if you hit it, trading stops for the rest of that session and resumes the next session. Rapid, Rapid EOD and Pro have no daily loss limit in the evaluation or sim funded stage, which gives flexibility but means the maximum loss is your only hard stop.

Maximum drawdown

The maximum loss is $1,000 (25K), $2,000 (50K), $3,000 (100K) or $4,500 (150K). Builder, Rapid EOD and Pro trail the highest end-of-day balance: the floor only moves up after the session closes, so an open trade that goes well and then reverses does not drag the floor up. Rapid trails intraday, meaning the floor follows your highest equity during the session, including unrealized gains. Once the account has built the required buffer (for example $2,100 on 50K), the floor locks at the starting balance plus $100 and stops trailing. Pro states this lock happens after the first approved payout; the Rapid page ties it to building the buffer in one place and to the first payout in another.

Minimum trading days

Builder is advertised as passable in 1 day, although some cards on the Builder page say 2. Rapid and Pro require 2 days and Rapid EOD requires 4.

Consistency rules

Rapid and Pro apply a 50% rule in the evaluation only: no single day can be more than half of your total evaluation profit. Rapid EOD uses a tighter 30% evaluation rule. Builder has no evaluation consistency rule but applies a 50% rule to each funded payout cycle. Pro funded accounts have no hard consistency rule, though a "Consistent Trading Policy" prohibits behaviour such as maxing contracts on every trade.

News trading

MFFU's news policy (dated August 2026) lists Tier 1 events: FOMC meetings and minutes, the employment report and CPI, plus EIA reports for energy and agricultural reports for those markets. On Rapid and Pro sim funded accounts, no positions or orders may be open from 2 minutes before to 2 minutes after these releases. Evaluations and Builder accounts may trade them. News-burst tactics such as straddles are banned on every account.

EAs, copy trading and hedging

Automated strategies are allowed if they are tailored to your own settings and are not designed to exploit simulated fills; high-frequency trading is not allowed. Traders may not copy one another, share a device, or coordinate identical or opposite trades across accounts. Hedging, defined as holding buy and sell positions on the same underlying at the same time (for example NQ and MNQ), is prohibited.

Overnight holding and inactivity

Positions must be closed before the daily session close and auto-close at session end, so overnight and weekend holding is not available. Sim funded accounts must place at least one trade every 7 calendar days or may be closed as dormant.

Worked example

Take a Builder 50K evaluation: starting balance $50,000, profit target $3,000 (pass at $53,000), soft daily loss limit $1,000, EOD trailing maximum loss $2,000 (starting floor $48,000).

1. Day 1: +$900. End-of-day balance $50,900, so the floor rises to $48,900.
2. Day 2: a losing morning reaches −$1,000. The soft daily limit pauses the account for the rest of the session, but it is not breached. Balance $49,900; the floor stays at $48,900 because EOD trailing never moves down.
3. Day 3: +$1,200. Balance $51,100; floor $49,100.
4. Day 4: +$900. Balance $52,000; floor $50,000.
5. Day 5: +$1,000 during the session. Balance $53,000, the target is reached and the evaluation is passed.

Net result: $900 − $1,000 + $1,200 + $900 + $1,000 = $3,000. On Rapid, the same day 1 would be measured differently: if a trade showed +$1,300 unrealized before closing at +$900, the intraday floor would rise to $49,300, leaving only $1,600 of room after the close. Once funded on Builder 50K, a trader must clear the $2,100 buffer plus $500 of profit, so the first request becomes possible at a balance of $52,600. A $500 request pays $400 at the 80% split, and each cycle is capped at $2,000.

Payouts

Per MFFU's payout policy (dated August 2026), Rapid accounts can request a first payout 24 hours after the first trade once the buffer and minimum are met, then daily, with a $500 minimum and a 90% split. Builder pays every 48 hours with two qualifying days per cycle, minimums of $250, $500, $1,000 and $1,500 by size, per-cycle caps of $1,000, $2,000, $3,000 and $3,500, an 80% split and a maximum of five sim payouts before live review. Pro allows a request every 14 calendar days with a $1,000 minimum and an 80% split, and lets traders withdraw up to 60% of profits while still inside the buffer.

Payouts go through Riseworks by bank transfer or crypto, with Plaid/ACH available to US traders. MFFU says most requests are approved automatically, with manual reviews taking 6 to 12 business hours. Live accounts (via Blue Row Capital) pay daily at 80% to 90% depending on plan. Our My Funded Futures payout guide walks through each plan step by step.

Platforms and instruments

MFFU lists Tradovate, Quantower, DeepChart and Hyperprop. Trading is limited to futures listed on CME Group exchanges (CME, CBOT, NYMEX and COMEX); equities, options, crypto, CFDs and OTC products are excluded. Contract limits differ by plan and size: Builder allows 2/4/6/9 minis (10 micros per mini), while the Rapid page shows two different sets of limits (for example 5 minis or 3 minis on 50K). Check the limits shown in your dashboard before sizing positions. A 2% price-limit rule also applies.

Who can join

US residents can join, and US traders get Plaid/ACH payouts. MFFU's restricted-countries policy lists 89 jurisdictions, including China, Hong Kong, Malaysia, the Philippines, Pakistan, Nigeria, South Africa, Turkey, Ukraine, the UAE, Vietnam, Russia and several EU states (Bulgaria, Croatia, Malta, Romania and Slovenia). Travellers may trade while visiting a restricted country but cannot buy or reset accounts there. You must be over 18 and pass KYC with government ID and proof of address before your first payout. We checked these rules in MFFU's help center and terms.

Reputation and trader feedback

In November 2026 MFFU had a Trustpilot score of 4.9 from 22,691 reviews, with 95% five-star and 2% one-star ratings. That is the highest score in our futures set. Reviewers most often praise quick, responsive support and fast payouts. The small share of negative reviews was not visible in the pages we sampled, so we cannot summarise their themes; Trustpilot notes the company has not replied to negative reviews. MFFU publishes program statistics: about 20% of participants completed an evaluation, 39.2% of funded participants earned at least one payout and 4.2% were promoted to a live account. Our main reservation is documentation quality: rule tables on different official pages disagree, which can cause disputes if a trader relies on the wrong one.

Alternatives to My Funded Futures

• Topstep: a long-running Chicago firm with fast US payout rails, if you prefer monthly pricing and a single in-house platform.
• Take Profit Trader: daily payouts from the first funded day with no maximum withdrawal, at the cost of an intraday funded drawdown.
• Alpha Futures: EOD drawdown on every plan and a $15,000 per-request cap on its Advanced plan.
• Lucid Trading: one-time fees and a funded account with no buffer and no consistency rule.

For direct comparisons, see Topstep vs My Funded Futures, My Funded Futures vs Take Profit Trader and Apex Trader Funding vs My Funded Futures, or browse all futures prop firms.

How we verified this review

Checked November 2026. We read MFFU's homepage, the Builder, Rapid and Pro plan pages, the Rapid EOD article, How It Works, the terms and conditions, and help-center articles on payouts, news trading, prohibited practices and restricted countries, plus the Trustpilot profile. We could not verify per-size prices beyond the single headline price shown for each plan, the reset fee, or which of the conflicting contract-limit and minimum-day figures is current. Most traders fail evaluations and fees are at risk; nothing here is financial advice.

Frequently asked questions

Is My Funded Futures legit?

MFFU is an established US futures prop firm operated by MyFunded Futures, LLC, with a 4.9 Trustpilot score from more than 22,000 reviews and published program statistics. As with any prop firm, funded accounts are simulated until you are invited to a live account.

Does My Funded Futures have a daily loss limit?

Only the Builder plan does, and it is a soft pause rather than a breach. Rapid, Rapid EOD and Pro have no daily loss limit, so the maximum loss is the only hard limit.

How long does My Funded Futures take to pay out?

Rapid accounts can request 24 hours after the first funded trade once the buffer is met, Builder every 48 hours and Pro every 14 days. MFFU says most requests are approved instantly and manual reviews take 6 to 12 business hours.

Does My Funded Futures allow news trading?

Evaluations and Builder accounts can trade Tier 1 news. Rapid and Pro sim funded accounts must be flat from 2 minutes before to 2 minutes after events such as CPI, FOMC and the jobs report.

Can I use a trading bot at My Funded Futures?

Automation is allowed if it fits your own strategy and does not exploit simulated fills. High-frequency trading, copy trading between traders and hedging are prohibited.

Does My Funded Futures charge an activation fee?

No. All current plans are a one-time payment with a $0 activation fee and no monthly renewals.