My Funded Futures Review 2026: Rapid vs Rapid EOD vs Builder vs Pro

Verdict

My Funded Futures suits an intraday futures trader who can clear the selected 50K or 100K buffer; Russia-based traders cannot buy a new account because Russia appears on MFFU's restricted-country list.

Quick facts

The best plan depends on the rule that constrains the trader, not the lowest fee. Check the selected size, drawdown stage, payout buffer, news policy and country eligibility on the MFFU checkout before payment.

Challenges available

The table records 13 product-size rows. A dash means the 14 September first-party page did not expose a stable size-mapped price in server-readable text; it is not a zero fee.

Prices and rule fields are current as of 2026-09-14. Rapid, Rapid EOD, Builder and Pro are described as one-time plans in their current pages and in the terms; Flex prices describe legacy subscriptions only. The firm checkout controls the final amount, add-ons and eligibility.

How the rules actually work

Rapid: the evaluation uses an end-of-day trailing line and a 6% target, then the Sim Funded stage switches to intraday trailing. The current rules table gives a $2,000 maximum loss and 5 mini/50 micro contracts for 50K; the floor locks at +$100 once the buffer is secured.

Rapid requires 2 evaluation days and a 50% evaluation-only consistency rule. Funded Rapid has no daily loss limit or consistency rule, but Tier 1 news trading is not allowed and the first payout depends on clearing the size-specific buffer rather than a fixed day count.

Rapid EOD: the 25K and 50K articles set 4 minimum days, a 30% evaluation consistency rule, $1,000/$2,000 EOD trailing loss and no daily loss limit. The funded stage remains EOD trailing, needs a $1,100/$2,100 buffer, has a $500 minimum payout and uses a 90/10 split.

Builder: the evaluation target is $1,500 on 25K and $3,000 on 50K, with a 1-day minimum and no evaluation consistency rule. The 50K default has a $2,000 EOD loss and a $1,000 soft pause; a soft pause ends the session, while a maximum-loss breach ends the account.

Builder's Sim Funded stage applies a 50% consistency rule at payout, requires 2 qualifying days per cycle, and caps each cycle at $1,000 on 25K or $2,000 on 50K after a $1,100/$2,100 buffer. Five approved simulated payouts trigger the documented live-account review.

Pro: 50K, 100K and 150K use $2,000, $3,000 and $4,500 EOD maximum-loss values, 2 minimum days and a 50% evaluation-only consistency rule. Pro Sim Funded has no daily loss limit or funded consistency rule, but the first request is 14 calendar days from the first trade plus buffer clearance.

Across the current plan pages, overnight positions are not permitted. News permissions are stage-specific: evaluation news is generally allowed on Rapid EOD, Builder and Pro, while Tier 1 news is restricted or prohibited once the account is Sim Funded; EA and copy-trading permissions remain conditional, so obtain written plan-specific confirmation before automating.

The drawdown guide explains why Rapid's funded intraday trail and Rapid EOD's funded EOD trail are different risk surfaces. The consistency guide shows the 50% and 30% calculations with examples.

True cost to break even

These tables are generated from computeTrueCost(). A dash means the current first-party capture did not provide a price, so no break-even number is manufactured. Flex's rows are labelled legacy because its $95 and $153 figures are recurring historical terms.

An R-multiple below 1 means the fee is smaller than the captured maximum-loss distance, not that a payout is likely. A one-time price still becomes sunk cost after a breach; the model does not predict pass rates or payout approval.

Payout speed in practice

Rapid and Rapid EOD advertise daily payout opportunities after their buffers are met. Builder describes a 48-hour cycle after 2 qualifying days, while Pro starts at 14 calendar days from the first Sim Funded trade plus its buffer; Flex legacy accounts use five qualifying winning days.

MFFU's payout rails in the firm record are ACH, bank wire and crypto. Current pages specify $500 minimums for Rapid and Rapid EOD, $250/$500 minimums for Builder by size, and $1,000 for Pro; the exact payment rail, fees and KYC route depend on the account and country.

The Trustpilot snapshot captured 4.9/5 from 20,392 reviews on 2026-07-27, and the firm record does not carry a verified-payout badge. That is community evidence, not proof that a Russian resident can purchase, pass or withdraw.

Pros

• Rapid offers a 90/10 split and 2 minimum evaluation days.
• Rapid EOD keeps EOD drawdown funded and uses a 30% evaluation consistency rule.
• Builder has a 1-day evaluation minimum and $0 activation fee.
• Builder documents 5 simulated payout cycles before a live transition review.
• Pro publishes a $100,000 maximum payout per cycle and no funded consistency rule.
• New plan pages describe one-time billing with no renewals.

Cons

• Russia is on the restricted-country list, so residents cannot purchase new accounts.
• Rapid funded drawdown is intraday trailing until its +$100 lock condition is reached.
• Rapid EOD needs 4 evaluation days and a 30% consistency cap.
• Builder funded payouts use a 50% consistency rule and a $1,000/$2,000 cycle cap.
• Pro delays the first payout until 14 calendar days plus buffer clearance.
• Six of the current tier prices are unverified in this capture and must be checked at checkout.

Who should pick My Funded Futures

A non-restricted, intraday futures trader who can build a $2,100 buffer should compare the Rapid 50K one-time $209 figure with Rapid EOD 50K at $157. Choose Rapid for intraday funded trailing and daily requests, Rapid EOD for the EOD-funded line, Builder for the 1-day evaluation and five-rung ladder, or Pro for a 14-day window and a $100,000 cycle cap.

Who should avoid My Funded Futures

A Russian resident, a swing trader who needs overnight positions, or a trader who cannot verify the checkout price should avoid a new MFFU purchase. A trader needing open overnight rules should compare a product whose first-party record says overnight allowed, and a trader needing a fixed current fee should wait for a mapped price rather than rely on a promotion or an old Flex subscription figure.

For a two-brand decision, use the My Funded Futures vs Topstep comparison, then read the Topstep, Take Profit Trader and Apex reviews. The futures directory at /best-futures-prop-firms keeps product-level billing and capture dates visible.

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