Trust & Reliability
Editorial Summary
My Funded Futures (MFFU) is a widely-used futures proprietary trading firm offering a range of account sizes and evaluation structures for futures traders. It is frequently compared against Topstep and Apex as a leading option in the futures-prop category.
| Focus | Futures |
All trading is conducted in a simulated environment using virtual funds. Figures, rules and offers change frequently—confirm the latest details on the firm’s official site before purchasing.
MyFundedFutures: Account Sizes, Plans, Fees, and Minimum Access Cost
Editorial review by PropInsider-style desk
MyFundedFutures, often shortened to MFFU, is a futures-focused prop-trading-style evaluation firm. The company offers simulated futures trading evaluations that can lead to a simulated funded account, and in some cases a possible live-account transition at the firm’s discretion.
Before reviewing the pricing, the most important disclosure is this: MyFundedFutures says its services are only for people over 18, and under-18 users may not access or use the service. It also states that evaluation and funded accounts operate in a simulated, non-executing environment, with no real capital deployed at any stage.
Quick Verdict
MyFundedFutures currently revolves around four main evaluation routes:
| Plan | Account sizes available | Lowest standard listed cost | Account size accessed |
|---|---|---|---|
| Flex | $25K, $50K | $95 | $25,000 |
| Rapid | $25K, $50K, $100K, $150K | $109 | $25,000 |
| Pro | $50K, $100K, $150K | $227 | $50,000 |
| Builder | $50K only | $125 standard, or $75 shown with 40% discount | $50,000 |
The cheapest standard access point is the $25K Flex plan at $95. If counting the published Builder promotional pricing, the Builder Add-On version shows as low as $75, but that depends on discount availability and checkout terms. MyFundedFutures states that prices and availability may change without notice, and promotions may not apply retroactively.
What MyFundedFutures Actually Gives Access To
The account size is not money deposited into your name. It is the simulated account balance used for the evaluation. MFFU’s own disclaimer says all evaluation and funded accounts are simulated and non-executing, with gains and losses treated as hypothetical. Passing an evaluation also does not guarantee payout eligibility, advancement, or live-capital access.
In simple terms, paying for a $50K account means you get access to a $50,000 simulated futures evaluation account, not $50,000 in withdrawable capital.
1. Flex Plan
The Flex Plan is positioned as the more beginner-friendly route. MFFU’s Help Center describes Flex as ideal for beginners, with lower targets and no activation fees.
Flex account sizes and fees
| Flex account size | Listed evaluation / reset cost | Account size accessed |
|---|---|---|
| $25,000 | $95 | $25,000 simulated account |
| $50,000 | $153 | $50,000 simulated account |
Minimum required for Flex: $95, giving access to the $25,000 Flex account.
Flex rules snapshot
| Rule | $25K Flex | $50K Flex |
|---|---|---|
| Profit target | $1,500 | $3,000 |
| Max loss limit, EOD | $1,000 | $2,000 |
| Daily loss limit | None | None |
| Max contracts | 2 minis / 20 micros | 3 minis / 30 micros |
| Consistency rule | 50%, evaluation only | 50%, evaluation only |
| Minimum trading days | 2 days | 2 days |
| T1 news trading | Allowed | Allowed |
The Flex plan is the lowest standard-cost route in the MFFU lineup. It gives a smaller drawdown cushion than the larger accounts, but it also has the lowest listed entry cost. MFFU’s payout overview says Flex payouts require 5 winning days, with at least $100 net profit per day on the $25K plan or $150 on the $50K plan, and a $250 minimum withdrawal.
2. Rapid Plan
The Rapid Plan is designed around faster payout access. MFFU’s homepage says Rapid allows payout requests every 24 hours, and the Help Center describes Rapid as the plan for traders seeking daily payouts.
Rapid account sizes and fees
| Rapid account size | Listed evaluation / reset cost | Account size accessed |
|---|---|---|
| $25,000 | $109 | $25,000 simulated account |
| $50,000 | $157 | $50,000 simulated account |
| $100,000 | $267 | $100,000 simulated account |
| $150,000 | $347 | $150,000 simulated account |
Minimum required for Rapid: $109, giving access to the $25,000 Rapid account.
Rapid rules snapshot
| Rule | $25K Rapid | $50K Rapid | $100K Rapid | $150K Rapid |
|---|---|---|---|---|
| Profit target | $1,500 | $3,000 | $6,000 | $9,000 |
| Max loss limit, EOD | $1,000 | $2,000 | $3,000 | $4,500 |
| Daily loss limit | None | None | None | None |
| Max contracts | 3 minis / 30 micros | 5 minis / 50 micros | 10 minis / 100 micros | 15 minis / 150 micros |
| Consistency rule | 50%, evaluation only | 50%, evaluation only | 50%, evaluation only | 50%, evaluation only |
| Minimum trading days | 2 days | 2 days | 2 days | 2 days |
Rapid’s funded-stage structure is different from the evaluation. For example, Rapid sim-funded accounts use an intraday trailing max loss that eventually locks at $100, and the Rapid payout model has no payout-stage consistency rule. The Rapid plan uses a 90/10 split in favor of the trader and a $500 minimum payout request after the required buffer is met.
One restriction to note: T1 news trading is allowed during evaluations, but MFFU’s news policy lists Rapid Sim Funded accounts as restricted for T1 news events.
3. Pro Plan
The Pro Plan is positioned as the more flexible option for experienced traders. MFFU’s Help Center describes Pro as offering bi-weekly payouts and more flexibility.
Pro account sizes and fees
| Pro account size | Listed evaluation / reset cost | Account size accessed |
|---|---|---|
| $50,000 | $227 | $50,000 simulated account |
| $100,000 | $344 | $100,000 simulated account |
| $150,000 | $477 | $150,000 simulated account |
Minimum required for Pro: $227, giving access to the $50,000 Pro account.
Pro rules snapshot
| Rule | $50K Pro | $100K Pro | $150K Pro |
|---|---|---|---|
| Profit target | $3,000 | $6,000 | $9,000 |
| Max loss limit, EOD | $2,000 | $3,000 | $4,500 |
| Daily loss limit | None | None | None |
| Max contracts | 3 minis / 30 micros | 6 minis / 60 micros | 9 minis / 90 micros |
| Consistency rule | 50%, evaluation only | 50%, evaluation only | 50%, evaluation only |
| Minimum trading days | 2 days | 2 days | 2 days |
The Pro Plan payout model is slower than Rapid but potentially larger. MFFU says Pro payouts can be requested every 14 calendar days from the first trade, with buffer requirements of $2,100 for $50K Pro, $3,100 for $100K Pro, and $4,600 for $150K Pro. The minimum Pro withdrawal is $1,000, and the Pro profit split is listed as 80% to the trader.
MFFU also lists a Pro One-Day Add-On, which can allow faster evaluation completion. The Help Center notes that the Pro One-Day Add-On has a $4,000 evaluation profit target.
4. Builder Plan
The Builder Plan is a newer $50K-only route. It is designed as a streamlined evaluation with a one-day minimum trading requirement and no evaluation-stage consistency rule.
Builder account size and fees
| Builder version | Standard price | 30% discount shown | 40% discount shown | Account size accessed |
|---|---|---|---|---|
| Builder Default | $153 | $107 | $92 | $50,000 |
| Builder Add-On / lower MLL version | $125 | $87 | $75 | $50,000 |
Minimum standard Builder cost: $125, giving access to a $50,000 Builder account.
Lowest promotional Builder price shown: $75, if the 40% discount is available.
Builder rules snapshot
| Rule | Builder Default | Builder Add-On |
|---|---|---|
| Starting balance | $50,000 | $50,000 |
| Profit target | $3,000 | $3,000 |
| Max EOD drawdown | $2,000 | $1,500 |
| Starting minimum balance | $48,000 | $48,500 |
| Daily loss limit | $1,000 soft pause | $1,000 soft pause |
| Max contracts | 4 minis / 40 micros | 4 minis / 40 micros |
| Consistency rule in evaluation | None | None |
| Minimum trading days | 1 day | 1 day |
| News trading | Allowed | Allowed |
| Drawdown model | EOD trailing | EOD trailing |
| Activation fee | $0 | $0 |
Builder is attractive on paper because it gives access to a $50K account with a low minimum trading-day requirement and no evaluation consistency rule. The trade-off is that the cheaper Builder Add-On version has a tighter max loss limit of $1,500 instead of $2,000.
Overall Minimum Cost by Plan
| Plan | Smallest account size | Minimum standard listed fee | Account size accessed |
|---|---|---|---|
| Flex | $25,000 | $95 | $25,000 simulated account |
| Rapid | $25,000 | $109 | $25,000 simulated account |
| Pro | $50,000 | $227 | $50,000 simulated account |
| Builder | $50,000 | $125 standard / $75 promo shown | $50,000 simulated account |
Cheapest standard plan: Flex $25K at $95.
Cheapest promo price shown: Builder Add-On $50K at $75, if the discount is available.
Largest account size shown: $150K, available on Rapid and Pro.
Cheapest Way to Access Each Account Size
| Account size | Cheapest listed route | Minimum standard fee |
|---|---|---|
| $25,000 | Flex | $95 |
| $50,000 | Builder Add-On | $125 standard, $75 promo shown |
| $100,000 | Rapid | $267 |
| $150,000 | Rapid | $347 |
For a trader comparing only the headline account size against the listed fee, Rapid offers the cheapest route to the $100K and $150K accounts, while Flex is the cheapest standard route into the platform at $25K. Builder can be the cheapest way into a $50K account, especially if a published discount is active.
Activation Fees and Refund Notes
A major positive is that MFFU says there are no activation fees on its plans. This is relevant because many futures prop firms charge a separate activation fee after passing an evaluation.
The refund policy is stricter. Refunds are only available if there has been no trading activity, no open positions, no market-data access, and the request is made within 14 days. Even then, eligible refunds are reduced by a non-refundable $75 technology, platform, and market-data fee.
Strengths
MyFundedFutures has a clear plan ladder. Flex is the cheaper entry-level route, Rapid is payout-speed focused, Pro is aimed at higher flexibility and larger payout potential, and Builder is a newer $50K route with a one-day evaluation structure.
The second strength is that the firm publishes plan parameters in its Help Center, including profit targets, max loss limits, contract limits, consistency rules, and payout rules. That makes comparison easier than with firms that hide details until checkout.
The third strength is the lack of activation fees. For traders comparing prop futures firms, no activation fee can make a big difference in the true cost of reaching the simulated funded stage.
Weaknesses and Risks
The biggest weakness is that this is still simulated prop trading. MFFU’s own disclaimer says all accounts, including funded accounts, operate in a simulated environment and that no real capital is deployed at any stage.
The second weakness is rule complexity. Each plan has different payout rules, buffers, drawdown behavior, news restrictions, contract limits, and simulated funded-stage rules. Rapid may look simple from the evaluation table, but its funded-stage intraday trailing drawdown is a major risk factor.
The third weakness is refund friction. Once trading activity or market-data access occurs, refund eligibility becomes limited, and even eligible refunds are reduced by a $75 non-refundable fee.
PropInsider Editorial Verdict
MyFundedFutures is one of the more structured futures prop-firm offerings, with multiple routes for different trader profiles. The Flex $25K account at $95 is the cleanest low-cost entry point. The Rapid plan is the best fit on paper for traders who prioritize fast payout eligibility, while Pro suits users who prefer a more flexible, bi-weekly payout structure. The Builder plan is the most interesting recent addition because it gives access to a $50K account with a low standard fee and a one-day evaluation setup, but the cheaper Builder version comes with a tighter max loss limit.
The key point: the account size is simulated, not withdrawable capital. The fees are real, the rules are strict, and passing does not guarantee payout eligibility or live-capital access. MyFundedFutures may be competitive on pricing and plan variety, but it should be reviewed as a high-risk simulated futures evaluation product, not a broker account or guaranteed income opportunity.