My Funded Futures vs TopStep for Beginners

Both firms are equally accessible for beginners. Consider starting with the cheaper option to reduce the cost of learning. Take the firm finder quiz for a personalized recommendation. Updated March 2026.

Verdict for Beginners

Recommendation: No clear winner -- both firms are competitive.

Both firms are equally accessible for beginners. Consider starting with the cheaper option to reduce the cost of learning. Take the firm finder quiz for a personalized recommendation.

	My Funded Futures	TopStep
Evaluation Type	1-step	1-step
Drawdown Type	Trailing EOD (floor moves up at end of day)	Trailing EOD (floor moves up at end of day)
Consistency Rule	No single day > 40% of total profit	No single day > 50% of total profit
Min Trading Days	None	None
Daily Loss Limit	2.5%	2%
News Trading	allowed	allowed
Cheapest Entry	$150	$49

Beginner Analysis

As a beginner, the most important factor is how forgiving the rules are. My Funded Futures uses trailing eod (floor moves up at end of day), which is harder to manage. The floor moves up with your profits, so a winning streak followed by losses can still breach you. TopStep uses trailing eod (floor moves up at end of day).

Rule complexity matters when you are learning. My Funded Futures has a consistency rule (No single day > 40% of total profit), which adds another variable to track. TopStep has a consistency rule (No single day > 50% of total profit). Fewer rules means fewer ways to accidentally fail.

Start with the smallest, cheapest account to limit the cost of learning. My Funded Futures's entry point is $150 for $50,000. TopStep starts at $49 for $50,000. Treat the first 1-2 attempts as tuition. Once you understand how the drawdown rules actually feel in practice, you can size up.

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Frequently Asked Questions

Is My Funded Futures or TopStep easier for beginners?

For beginners, both firms use trailing drawdown, which requires more experience. Both have similar rule complexity.

Should beginners choose 1-step or 2-step evaluations?

A 1-step evaluation has fewer phases to pass, which means less time and fewer opportunities to fail. My Funded Futures uses 1-step, while TopStep uses 1-step. For a first-time prop trader, fewer steps means a simpler path to funding.

What is the cheapest way to start as a beginner with My Funded Futures or TopStep?

Start with the smallest account size to minimize risk. My Funded Futures's cheapest option is $50,000 for $150. TopStep's cheapest is $50,000 for $49. A smaller account means smaller losses during the learning phase.

Other Comparisons: My Funded Futures vs TopStep