My Funded Futures Review 2026: Payout and Evaluation Guide

My Funded Futures is one of the highly-regarded futures prop firms because of its reasonable trading conditions and payout requirements. There are many traders who have had a positive experience with this firm due to their transparency and smooth payout process.

To help you see if the firm fits your trading style, PipBack’s My Funded Futures review goes through the site’s three accounts’ rules and payout conditions.

MyFundedFutures at a Glance

Flex

Pro

Rapid

The three major plans of MyFundedFutures is at the core of this prop firm:

• Flex: The entry account for new traders, with an affordable monthly cost and reasonable trading terms.
• Rapid: The Rapid plan’s main attraction is its daily payout rate and a 90% profit cut.
• Pro: As the name suggests, this account is for professional traders seeking the highest possible payout of $100K.

MyFundedFutures Evaluation

During the evaluation phase, you must meet the profit target while avoiding the drawdown limit. Most of the popular futures markets can be traded, such as the E-mini Nasdaq-100 (NQ). The target amount is based on the account size:

There are several rules to consider during the evaluations that are vital for passing it and to avoid account breaches:

Consistency Rule

Even if you are able to hit the profit target, possibly doubling it, you still risk failing the evaluation when not considering the consistency rule. The rule requires all traders not to have a profit from a single day that exceeds more than 50% of their total gains.

If you are taking on the Flex Plan 50K account and are able to reach $4,000 of profit, for example, you will not pass the evaluation if your profit for one day is $2,000 or more. Do not panic if you happen to get more than 50% of your profit during a single trading session. You just need to make more gains in the following trading session until your profit consistency moves below 50%.

The flexibility of a higher consistency cap matters when passing your evaluation. Even if you exceed the profit limit for one day and experience some losing days, you are not pressured to get more winning trades. Firms with a lower consistency rule require you to be firm with your risk/reward ratio on all your trades.

Drawdown Rule

The drawdown is the total amount you can lose before you breach your account. Fortunately, there is no daily limit loss (DLL) rule. Hitting a soft breach DLL limit usually locks your account temporarily until the next trading session. Without a DLL to worry about, you can be flexible with your trades and only worry about the maximum drawdown limit.

Fortunately, even the drawdown is much more flexible at MyFundedfutures thanks to the end-of-day (EOD) drawdown rule. This means all losses are counted only after the trading day. If you have unrealized losses that would hit the drawdown limit, you still have time for your position to see gains or for you to make more profitable trades.

Note that the EOD drawdown rule only applies to the Flex and Pro accounts. The Rapid plan instead follows the intraday rule policy that counts all losses in real time. If you experience a sharp price spike that moves against your position, your unrealized losses can hit your drawdown limit and push your account below it.

Minimum Trading Day

Passing the MyFundedFutures evaluation is incredibly easy, with just two trading days. You simply complete a trade for two days to satisfy this requirement. This rule aligns with the consistency rule, as you are encouraged to achieve only 50% of the profit target for any account in a single day. Smart traders who follow the consistency rule can complete the evaluation within two days.

This is a significant advantage for many traders, since it reduces the pressure to enter positions over more than two days. Firms that require three or more trading days increase your risk exposure to losses. With just two trading days required and the lack of a consistency rule for certain accounts, you can enjoy a sizable payout within a short period with the Rapid account or a week with the Flex account.

News Trading

A major perk for certain traders is the ability to open trades during critical T1 news releases. Most prop firms prohibit news trading. Even Pro and Rapidfunded accounts on MyFundedFutures also stop you from opening trades during these periods. Trading the news would mean participating in a futures market at its most volatile.

Algo Trading

Algorithm or bot trading is allowed on MyFundedFutures. It allows traders to execute their trading strategy while removing any human bias. Note that your algorithm trading software must follow the firm’s rules and not be used to exploit parts of the platform. An example of this is high-frequency trading. You can learn more about HFT and other prohibited trading practices below.

Max Contracts

For each account, you have a limited number of futures contracts to buy and sell. The maximum number of contracts determines your position size and risk per trade. While the ability to trade any number of contracts can speed up your progress in passing the evaluation, it also increases your chance of hitting the drawdown. This risk is why there is a cap on the futures contract you can control.

You can control either a single mini contract or multiple micro contracts. The difference between the two is that a mini contract has a higher value than a micro contract. The choice between the two gives you more options on the trading strategy for passing MyFundedFutures’ evaluation.

MyFundedFutures Funded Phase

When you pass the Flex, Pro, and Rapid evaluation phase, you move on to the funded phase. This is where you start making money from your trades. During this phase, there are fundamental rules to take note of:

Profit Cut

It should be noted that MyFundedFutures advertisement of an 80/20 profit split does not reflect the actual payout. Given the current Flex payout policy, for example, you can request up to 50% of your total profit per payout, with the remaining 50% staying in your account. Technically, the profit split is 40/60.

If you were to achieve a profit of $3,000 that is above the buffer amount, for example, you can only withdraw $1,500 out of the total amount. The other $1,500 stays in your account, which remains with MFF. Note that it is still your money as a retained balance. According to MFF, this profit-cut model aims for account stability to encourage traders in making more gains.

What Changes After Passing

One significant difference in the Pro-funded phase is the news restriction. You can no longer open positions during T1 news reports, unlike during the evaluation phase. Any trading strategies involving major financial reports or geopolitical events are no longer permitted during the funded phase.

You must also be wary of the inactivity rule. It indicates you need to make a trade or be active at least once every 7 days.

Apart from these two rules, everything is nearly identical to the evaluation phase. You are still aiming to meet the payout target for each account. In addition, news trading is still allowed for Flex account holders during the funded phase.

If you are on the Flex plan, the maximum contracts you can control are locked behind a scaling plan during the funded phase. You need to reach a specific profit threshold before you can access the maximum number of available contracts. With the 50K Flex plan, for example, you need gains of $2,000 and above to trade 5 minis or 50 micros.

Payout Eligibility Rules

While there are no profit targets to reach, there are account-based payout rules to be wary of:

Flex

• You need to complete five “winning days” to be eligible for a payout with a flex account. A winning day involves gains of at least $150 for the $50K account and $100 for the 25K.
• The requirement resets after each payout. You will need to complete another five winning days before you can withdraw your profits.
• The minimum amount you can withdraw is $250, with a maximum payout cap of $3,000 for 25K accounts and $5,000 for 50K accounts.

Pro

• The minimum withdrawal amount is $1,000, and the maximum payout cap across all three Pro accounts is $100,000.
• Account holders must build a buffer on top of their initial balance before withdrawing. The balance is set at $2,100 (50K), $3,100 (100K), and $4,600 (150K).
• Payouts can only be requested once every 14 days.

Rapid

• You need to build a buffer before you can make a withdrawal. The buffer is $2,100 for 50K, $3,100 for 100K, and $4,600 for 150K.
• Payouts are available daily, which resets after each market closing. The reset amount is only above the buffer.
• The minimum payout amount is $500.

Which Account Type Is Best For Which Trader?

With a good grasp of the three main MyFundedFutures accounts, the question comes down to finding one that fits specific traders. Below is an objective look at who these accounts are suited for.

Flex: Straightforward Payout

The main benefit of all Flex accounts is the lack of a buffer amount. You can hit the profit targets and reach the minimum payout amount of $250 to see an ROI on your investment with this account immediately. It is also less restrictive than the Pro version, allowing news trading.

In addition, this is the only plan with a $25K ammount. The small capital allow for an affordable entry fee for new beginners or anyone looking for an affordable access to futures trading capital.

Straightforward traders seeking a high probability of payouts benefit most from the Flex plan. The “winning days” requirement rewards consistency, since you only need a minimum profit of $150 across five days.

Any trading strategy that does not involve overnight holding works for the Flex account. This includes day trading, scalping, and breakout trading. Flex account holders are also open for news trading, which requires better risk management, given the highly volatile period.

Pro: Max Payout Cap

The Pro account’s highlight is its high payout cap of 100K. This is significantly higher than the Flex’s limited payout cap of $5,000. Even with the buffer amount, the high payout cap lets you achieve the best possible profit opportunity. In addition, there is no consistency rule that requires you to be mindful of your daily profits.

With these features, the pro is ideal for experienced traders with a high risk tolerance and who want to max out leverage on their positions. They tend to aim for strong gains through a few market sessions and want fewer restraints on getting paid for the ROI of those sessions. Given the rules and the cost of either Pro accounts, seasoned traders will find the terms acceptable for high-risk rewards.

Except for news trading and swing trading, the Pro account is open for various trading strategies. This includes high-risk ones like tick scalping for liquid futures markets like NQ and CL.

Rapid: Faster Payout

Rapid payout is all about speed with its Day-One payout request. You will not have to wait for a week like Flex account holders or even half a month like Pro account holders with this. In addition, this is the only account with a 90% profit share. Even if you are required to leave behind half of your profit, you still get 45% of the gains you made. This is much higher than what you can achieve on the profit cut for both Flex and Pro accounts.

The intraday will be a major factor in your decisions, as it requires a trader with tight risk management. You need to be mindful of the drawdown limits: $2K for the $50K account, $3K for the $100K account, or $4.5K for the $150K account. Proper stops protect your Rapid account from sharp price movements.

Like the Pro account, Rapid is highly suitable for experienced traders. They are also the ones who can prevent further loss with properly placed stops and a reasonable risk/reward ratio. It is also intended for those who want consistent profits every business day, rather than waiting for large payouts twice a month. In addition, Rapid is not well-suited for high-risk trading styles such as micro-scalping. Apart from the

Prohibited Practices

MyFundedFutures is less strict than other firms on trading practices. However, there are specific methods they do not allow to keep the platform fair for everyone. Keep in mind the following rules that MFF prohibits.

High Frequency Trading (HFT)

Algorithmic trading involving high-speed, high-volume orders is not allowed in MFFU. High-frequency trading aims at getting the best possible price while increasing market liquidity. Unfortunately, it can also be used to manipulate prices by creating artificial demand. Certain traders tend to coax people into a bear or bullish trap by creating urgency in the market to buy or sell a futures contract.

Order Fill Manipulation

Any method of gaming the system by manipulating the way orders are filled is prohibited. One form, as stated by the MFFU guidelines, is to place orders and cancel them at the same level. Some traders use this to test the market by having their positions filled or semi-filled within those price orders. It is prohibited because it can distort price perception by creating an artificial demand and immediately removing it.

Copy Trading

The act of using someone else’s trade depends on who you are copying from. If it comes from a different MFFU account, you may do so. What is prohibited is copying from a different trader. These activities include their entries, exits, and even order cancellations. This rule upholds MFF’s fair place policy by making all traders responsible for the gains and losses of their positions.

Forced News Trading or Overnight Holding

Normally, all positions are automatically closed. New entries are stopped during specific periods to comply with MFF’s rules. However, forcing yourself to keep your positions open just to trade the news or swing trade can put your accounts at risk. This happens when you enter multiple positions during prohibited periods. It can also be done by holding several positions before they are closed automatically.

Gapped Market Exploitation

This prohibited practice involves trades that exploit low market liquidity. A gapped exploitation is when traders buy and sell contracts among themselves to create a visible market gap on the charts. MFF prohibits this because the trade creates an artificial edge for people making those gaps in the chart.

Final Word

MyFundedFutures’ three accounts can match most types of trader requirements. Their rules and trading conditions also offer more flexibility than those of stricter firms.

FAQ: MyFundedFutures Trading

At what time will my positions close automatically?

MyFundedFutures will close all of your positions at 4:10 PM EST, so the program is built for day trading, not multi-day holds. Note that forcing a position to remain open by undermining the overnight holding rule can result in an account breach.

Does MyFundedFutures charge an activation fee?

There is no activation fee for the transfer from the evaluation phase to the funded phase.

Can I request a payout and keep trading while it processes?

Trading is not possible until after the payout. To prevent you from making any trades, all available contracts are set to 0.