TopStep vs My Funded Futures

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Category: Trading Guides | Author: Trading Brokers | Date: April 18, 2026

Introduction

Prop trading firms enable retail traders to access professional capital without risking their own funds. Among the leading firms in the futures space, TopStep and My Funded Futures each provide structured evaluation challenges, access to live trading environments, and comprehensive trader support. This article presents an objective comparison of both firms across key dimensions: company background, evaluation processes, account options, trading rules, payout structures, platform integrations, support resources, analytics capabilities, and security measures.

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Company Background

TopStep is headquartered in Chicago and began as a proprietary trading venture aimed at democratizing access to professional trading capital. Over time, the firm developed the Trading Combine®, an evaluation program that simulates live market conditions to assess a trader’s readiness for funded trading. TopStep’s model has attracted a large community of traders by emphasizing risk management and performance discipline.

My Funded Futures is a U.S.-based firm focused on simplifying the funding process. It launched with the goal of providing transparent, one-step challenges and quick transitions to funded accounts. By streamlining evaluation and offering competitive profit splits, the firm has grown rapidly and now supports tens of thousands of traders through its platform.

Evaluation Process

TopStep Trading Combine®

The Trading Combine® consists of two sequential stages designed to test trading skill and discipline:

1. Stage One – Combine Evaluation
   • Traders must reach a specified profit target within a simulated account.
   • Daily drawdown limits and overall account drawdown rules apply to encourage disciplined risk management.
   • The simulation mirrors live market data and transaction costs, ensuring realistic conditions.
2. Stage Two – Funded Account Verification
   • After passing the Combine, traders receive a live funded account with real capital.
   • Performance in the funded account is monitored to confirm consistency.
   • Proprietary risk review tools detect irregularities and confirm adherence to trading rules before full funding is granted.

This two-step approach emphasizes gradual progression from simulation to live trading, reinforcing prudent strategies and consistent performance.

My Funded Futures One-Step Challenge

My Funded Futures employs a single-phase challenge that accelerates access to live funding:

• Traders select their desired account size and complete one evaluation in a simulated environment.
• The challenge has clear profit targets and both daily and total drawdown thresholds.
• Meeting the challenge criteria triggers immediate funding of a live account.

By consolidating evaluation into one phase, My Funded Futures reduces administrative overhead and minimizes wait times for traders to access real capital.

Account Options and Pricing

TopStep Account Tiers

TopStep provides multiple Combine account sizes to match different trader profiles:

• Lower-Tier Combine: Designed for new traders, this tier offers access to a small number of contracts at a lower evaluation fee.
• Mid-Tier Combine: Intended for intermediate traders, it increases contract limits and profit targets in line with a moderate fee.
• Upper-Tier Combine: Tailored for experienced traders, this tier permits larger contract counts and higher profit targets at a premium fee.

Evaluation fees vary proportionally with contract permissions, allowing traders to choose the level that aligns with their experience and risk tolerance. Fee structures include one-time payments or discounted bundles that reduce cost per evaluation.

My Funded Futures Account Levels

My Funded Futures categorizes its funding levels by account size, each with fixed contract allowances:

• 50K Account: Permits up to five standard contracts or fifty micro contracts.
• 100K Account: Allows six standard contracts or sixty micro contracts.
• 150K Account: Supports nine standard contracts or ninety micro contracts.

Evaluation pricing is transparent and typically lower for smaller account sizes. The firm frequently offers promotions that reduce evaluation costs, and no additional activation fees apply once the challenge is passed.

Trading Rules and Risk Management

TopStep Risk Parameters

TopStep enforces clear risk guidelines to maintain orderly trading:

• Daily Drawdown Limit: A maximum loss threshold for any single trading day, often set around five percent of the starting balance.
• Overall Drawdown Limit: A cumulative loss limit, typically around ten percent, that, if breached, ends the evaluation.
• Contract Maximums: Defined limits on the number of contracts per trade and total open positions based on account tier.

Automated systems and manual reviews detect breaches and unusual trading patterns, ensuring integrity throughout the evaluation and live trading phases.

My Funded Futures Risk Parameters

My Funded Futures applies straightforward rules to manage drawdowns:

• Maximum Drawdown: A fixed percentage of the account balance that caps allowable cumulative losses.
• Daily Loss Cap: A separate limit on single-day losses to prevent excessive drawdowns in volatile markets.
• Minimum Trading Days: Some account sizes require a minimum number of trading days before funding, encouraging sustained effort.

Rule details, including profit targets and drawdown percentages, are published clearly in the challenge guidelines to ensure full transparency.

Payout Structure

TopStep Profit Sharing

Once traders transition to a funded account, profit-sharing terms apply as follows:

• Profit Split: Traders typically receive two-thirds of net profits, with the firm retaining the remainder.
• Payout Frequency: Profit withdrawals can be requested monthly through the trader dashboard.
• Withdrawal Process: Funds are transferred via bank transfer or digital payment methods, subject only to standard payment processor fees.

There are no upfront fees taken from trading gains, aligning incentives between traders and the firm.

My Funded Futures Profit Sharing

My Funded Futures offers a high, uniform profit split:

• Profit Split: Traders keep ninety percent of net profits from live accounts, regardless of account size.
• Withdrawal Timing: Monthly payout requests are processed within a standard one-week timeframe.
• Consistent Terms: The profit split remains static across account tiers, simplifying earnings projections.

This flat profit-sharing model ensures traders know exactly what to expect from the outset.

Trading Platforms and Tools

TopStep Platform Integration

TopStep integrates with several industry-leading futures trading platforms:

• Charting Software: Advanced charting and technical analysis tools help traders develop and refine strategies.
• Order Execution: Direct market access provides rapid order entry and management at competitive commission rates.
• Performance Analytics: The TopStep dashboard delivers metrics such as average win, win rate, and risk-reward ratios to support data-driven improvements.

Educational webinars include platform tutorials to help traders leverage available tools effectively.

My Funded Futures Platform Options

My Funded Futures supports multiple execution and data platforms:

• Order Routing: Connections to top-tier brokers ensure low-latency order execution and market depth access.
• Dashboard Metrics: Real‑time tracking of profit progress, drawdown limits, and trading performance is available in a unified interface.
• Data Feed Promotions: Periodic discounts on market data subscriptions help traders manage ongoing costs.

Traders can select the platform that best fits their workflow and technical preferences.

Support and Education

TopStep Educational Resources

TopStep emphasizes continuous trader development through:

• On‑Demand Courses: Structured modules covering risk management principles, strategy design, and trading psychology.
• Live Webinars: Interactive sessions led by experienced coaches focusing on technical skills and discipline.
• Community Forums: A moderated discussion space where traders share strategies and insights under the guidance of firm staff.

These resources create an environment that supports both new and experienced traders.

My Funded Futures Knowledge Base

My Funded Futures provides support via:

• Comprehensive Guides: Detailed instructions on challenge rules, platform setup, and evaluation best practices.
• Periodic Webinars: Educational events on charting techniques, market analysis, and maintaining consistency.
• Responsive Support Channels: Email and chat support during business hours handle technical issues and account queries promptly.

A clear focus on self‑service documentation empowers traders to resolve questions efficiently.

Technology and Analytics

Both firms leverage technology to enhance trader oversight:

• Real-Time Reporting: Profit and loss, drawdown status, and contractual utilization update continuously.
• Performance Dashboards: Interactive charts and tables help traders identify strengths and weaknesses.
• Security Protocols: End‑to‑end encryption and secure authentication protect sensitive data.

These technological capabilities ensure transparency and enable data‑informed decision-making.

Security and Data Protection

Security measures at both firms include:

• Data Encryption: Safeguarding of account information and trading history through robust encryption standards.
• Multi‑Factor Authentication: Optional additional login verification to prevent unauthorized account access.
• System Audits: Routine internal and external reviews to confirm platform resilience and uptime reliability.

These practices establish a secure environment for both simulated and live trading activities.

Conclusion

TopStep and My Funded Futures offer distinct yet robust pathways for retail futures traders seeking professional funding. TopStep’s two-stage evaluation and extensive educational ecosystem cater to those who value structured progression and in-depth development. My Funded Futures’ streamlined, single-phase challenge and high profit splits suit traders looking for simplicity and consistency. Both firms provide clear risk guidelines, competitive platform integrations, and responsive support. Traders should assess their personal trading style, evaluation preferences, and educational needs when selecting between these two leading prop trading options.

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