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

Verdict

My Funded Futures (MFF) is a futures prop firm selling one-time evaluations. A 50K My Funded Futures account costs $153 to $265 up front, but the number that decides your first payout is the buffer: $2,100 of realized profit on every 50K plan before a standard request. Rapid is the pick for an intraday futures trader who can build that buffer quickly and wants a request window 24 hours after the first funded trade; Builder suits a smaller-budget trader who accepts a per-cycle cap and a 50% payout consistency test; Pro only makes sense if you can wait 14 calendar days and want the highest ceiling. Russia-based traders can't buy a new account, because Russia is on MFFU's restricted-country list.

Quick facts

The best plan depends on the rule that constrains the trader, not the lowest fee. Builder 50K is $56 cheaper than Rapid 50K, yet it caps each payout at $2,000 and stops after 5 simulated payouts. Pro costs $56 more than Rapid and makes you wait 14 days. Check the selected size, drawdown stage, payout buffer, news policy and country eligibility on the MFFU checkout before payment.

Challenges available

The table records 15 product-size rows, up from 13 because Builder now sells 100K ($282) and 150K ($398) accounts. A dash means MFFU publishes no current price for that row; it is not a zero fee.

Prices are the regular list prices in each plan page's product data, read on 26 October 2026. Builder 100K and 150K targets are $6,000 and $9,000, and their $3,000 and $4,500 maximum losses are 3% of the balance, against 4% on Builder 25K and 50K. Flex is a legacy subscription whose prices MFFU no longer publishes. The firm checkout controls the final amount, add-ons and eligibility.

MFF funded account rules

An MFF funded account is what MFFU calls Sim Funded: a simulated account you trade after passing the evaluation, with payouts paid from it. Rapid, Rapid EOD and Builder Sim Funded accounts start at a $0 balance, so the "buffer" is simply realized profit you must hold before any request. Four rules apply on every current plan; the table after them covers what changes by plan.

• Daily session close: MFFU's permitted-times article says "any open positions will be automatically closed at 4:10 PM EST on regular (non-holiday) trading days", and trading reopens with Globex at 6:00 PM. On holiday hours there is no auto-liquidation at the early close, and an open position left past the close breaches the account. Rapid's plan page adds: "Holding overnight will breach the account."
• Weekends: no MFFU page we read uses the word "weekend". Our inference is that a weekend hold is impossible, because the daily 4:10 PM close also applies on Friday.
• Inactivity: for one-time purchases from 25 August 2026, "If a trader does not place a trade for 7 consecutive calendar days, the account could be closed. This includes simulated funded accounts." MFFU asks traders to tell support before a break of more than 7 days. Builder's live account has no inactivity rule.
• News: on Tier 1 releases (FOMC meetings, FOMC minutes, the Employment Report and CPI, plus EIA for energy and agricultural reports for ags), no position or order may be open from 2 minutes before to 2 minutes after the release. That restriction binds Rapid Sim Funded and Pro Sim Funded; MFFU's Rapid EOD plan page also marks Tier 1 news "Not allowed" when funded. Every evaluation and every Builder stage is unrestricted.

How an MFF funded account works

The table below sets out what a funded trader faces on each plan, by account size, using MFFU's plan pages and help articles checked on 26 October 2026.

Rapid: MFFU's 50K article says your "first payout becomes available exactly 24 hours after your first trade on the Sim Funded account (as long as you meet the buffer and minimum)". The loss limit trails your equity high-water mark during the session at a fixed $2,000 distance on 50K. "Once your trailing Max Loss reaches $100, it locks there", which happens when the equity high reaches the $2,100 buffer.

Rapid EOD: the loss line "does not move intraday – only at the close of each trading session". After the first payout, each new request needs $500 of net profit since the last one on 50K ($250 on 25K).

Builder: every cycle needs 2 qualifying days, and your best day can't be more than 50% of the cycle's profit. The soft pause ends the session, not the account; only a maximum-loss breach closes it. A Builder 25K holder may run 2 accounts; the larger sizes allow 1 Builder account per user. After a live-account breach, a 21-day cooldown blocks Sim Funded trading and new purchases.

Pro: the help article sets the MLL at $50,100, $100,100 or $150,100 after the first payout, where "it remains static". The live review is triggered by 3 consecutive payouts on the same account, reaching the $100,000 cap, an invitation, or $20,000 of profit, which "triggers a review only".

Our drawdown guide explains why Rapid's intraday trail and Rapid EOD's end-of-day trail are different risk surfaces, and the consistency guide shows the 50% and 30% calculations with examples.

Intraday vs EOD trailing: one day, two outcomes

Take a 50K funded account at $0. During the session an open trade reaches +$1,500, then you close the day at +$200. On Rapid, the line follows the $1,500 equity high and now sits at −$500, so you start tomorrow with $700 of room. On Rapid EOD, the line only moves on the closing balance, so it sits at −$1,800 and you keep $2,000 of room. That's an illustration with our numbers, applied to the mechanics each help article states. A trader who lets winners run and then give some back pays for Rapid's cheaper fee with a tighter line.

What it means to be an MFF funded trader

Passing doesn't put you on real capital. MFFU says "Upon completing your evaluation, you will be transitioned to a Sim Funded Account", a simulated account; only a Live Funded Account "involves a real brokerage account". The routes to Live are in the table's last row, and Rapid profit above $10,000 on the trigger day is forfeited. You can't decline ("rejecting the move to a Live Funded Account is not possible"), and your Sim Funded accounts are merged into one Live account. Live data, commissions and platform costs are "deducted directly from your Live Funded Account balance". Rapid Live pays 90/10 daily with no buffer and moves up to $5,000 of Sim Funded profit into a Reserve; Builder and Pro Live pay 80/20.

Does the MFF prop firm have a scaling plan?

Not a fixed one. MFFU's Live FAQ (updated November 2025, read 26 October 2026) says "there is no set scaling plan for our Live accounts" and that it works "one on one" on risk settings; you may ask for a limit review "once you have been live for 2 weeks". What MFFU publishes is the starting Live size: 3 minis or 30 micros on Rapid 50K, and 2, 3 or 4 contracts on Pro 50K, 100K and 150K. Merged Rapid accounts get a proportionally larger loss limit; contracts are then "discussed with the Live team".

How the rules actually work

MFF evaluation rules by plan

Each MFF evaluation is a one-time paid test before Sim Funded, recorded from MFFU's plan pages and help articles on 26 Oct 2026:

Rapid: 6% target ($1,500 / $3,000 / $6,000 / $9,000), EOD trailing loss, no daily loss limit, 2 minimum days and a 50% evaluation-only consistency rule. On a $3,000 pass, no day may contribute more than $1,500.

Rapid EOD: 25K and 50K only, with $1,000 / $2,000 EOD trailing loss, 4 minimum days and a 30% evaluation consistency rule. On a $3,000 pass, the best day is capped at $900.

Builder: 1 minimum day and no evaluation consistency rule, so a single $3,000 day can pass a 50K. The soft daily pause is $600 / $1,000 / $1,750 / $2,500 by size.

Pro: 50K, 100K and 150K with $2,000 / $3,000 / $4,500 EOD maximum loss, 2 minimum days and a 50% evaluation-only consistency rule. Targets are $3,000 / $6,000 / $9,000, and no daily loss limit applies.

Expert advisors and copy trading are marked conditional on all 4 plans in our 26 Oct 2026 record, so get written, plan-specific confirmation from MFFU before you automate.

Worked examples: what a first payout costs on 50K

The table follows one 50K account per plan from purchase to the smallest first payout MFFU allows. Figures use the list price and the rules checked on 26 October 2026. "Profit needed" is the buffer plus the minimum request. Builder's articles state this directly ("$500 above buffer"). For Rapid, the payout overview lists a "Minimum withdrawal after buffer: $500", and for Pro the plan FAQ ties requests to "equity above the required buffer"; our reading is that both work the same way.

Builder's 50% test uses the cycle's total profit: with $2,600 made in the first cycle, no single day may exceed $1,300. The splits follow Builder's own example, where a $3,500 request pays the trader $2,800.

The bigger difference shows up once you've made real money. Say a 50K trader has $5,000 of realized profit and meets every timing gate, leaving $2,900 above the buffer. Rapid and Rapid EOD publish no cap, so a $2,900 request pays $2,610 at 90%. Builder stops at its $2,000 cap and pays $1,600, and the best day in that cycle must be $2,500 or less. Pro pays $2,320 at 80%, but not before day 14. The gotcha is Builder's ladder: 5 payouts at the 50K cap is $10,000 requested, or $8,000 to you, and then the Sim Funded stage ends with the move to live.

My Funded Futures vs Topstep, Apex and Tradeify

Every figure below comes from our own capture of each firm's first-party pages, on the date shown. All four firms set a $3,000 target on 50K. The difference is in what you pay and what stands between a funded account and a request.

Tradeify Growth is the closest like-for-like match to Builder: $8 cheaper, a 90% split instead of 80%, but 5 qualifying days per request instead of 2. Topstep has the cheapest first month at $49, but a pass adds the $149 activation and every extra month rebills $49: two months plus activation is $247, already above Rapid's one-time $209. Apex pays 100%, yet its 50K no-activation list price is more than double Rapid's. MFF's edge is speed: no other plan in this table can release a first request 24 hours after the first funded trade.

For a two-brand decision, use the My Funded Futures vs Topstep comparison or My Funded Futures vs Take Profit Trader, then read the Topstep, Take Profit Trader, Apex and Tradeify reviews. The futures directory at /best-futures-prop-firms keeps product-level billing and capture dates visible, and our prop firm statistics put these fees against the wider market.

True cost to break even

These tables are generated from computeTrueCost(), using list prices captured on 26 October 2026. Legacy Flex has no current published price, so no break-even number is manufactured for it.

An R-multiple below 1 means the fee is smaller than the captured maximum-loss distance, not that a payout is likely. A real first payout also needs the buffer, so on Rapid 50K the $232 break-even is reached only through a $2,600 profit path. 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

MFFU's first-payout guide says "All payouts are processed in 6-12 business hours excluding holidays", and its payout overview says most requests are "approved instantly". Before the first payout you complete KYC on the dashboard and open a Riseworks account, then sign agreements there. Funds land in Riseworks, and "You can withdraw funds via bank transfer or cryptocurrency". The same guide notes "Plaid/ACH payouts are available for US traders".

On 26 October 2026 MFFU's Trustpilot profile showed 4.9/5 from 22,577 reviews, up from 22,408 on 15 October. The same page carries Trustpilot's notice "This company may be associated with high-risk investments." That is community evidence, not proof that a Russian resident can purchase, pass or withdraw.

Where MFFU's own pages disagree

On 26 October we found these conflicts between MFFU pages. None is settled, so plan around the stricter reading.

• Builder 150K cap: the plan page caps each cycle at $3,500; help article 17035331 says "$4,500 payout cap per cycle". Its buffer table gives $4,600, while its text says "MLL + $100 or $4,500". Assume $3,500 and a $4,600 buffer.
• Pro $100,000: the plan page says "Up to $100,000 per payout cycle", while its own FAQ, help article 17573707 and the payout overview call it "$100,000 (per user)", a lifetime Sim Funded total.
• Pro profit above $100,000: the plan page says the excess is "transitioned to a live balance"; the help article says "Profits above $100,000 are forfeited."
• Pro in-buffer withdrawals: the payout overview says you can withdraw up to 60% of profits before fully clearing the buffer, while the plan page and help article require the buffer to be cleared.
• Rapid lock timing: the rules say the trail stops once the buffer is built above the starting balance +$100, but a plan FAQ says the floor locks "after your first payout".
• Daily loss limits: the payout overview says "No daily loss limits on Builder, Rapid or Pro plans", yet Builder has a soft pause. The Builder plan page also lists live soft pauses that the 25K, 100K and 150K help articles mark "None".

Pros

• Rapid's first request can come 24 hours after the first funded trade, at a 90/10 split.
• $0 activation and one-time billing on every current plan, from $105 (Builder 25K).
• Rapid EOD keeps an end-of-day trail when funded, and Rapid EOD and Rapid publish no per-cycle cap.
• Builder allows Tier 1 news in evaluation and Sim Funded, and passes in 1 day with no evaluation consistency rule.
• No daily loss limit on Rapid, Rapid EOD or Pro Sim Funded, and none of the three applies a funded consistency rule.

Cons

• Russia is on the restricted-country list, so residents cannot purchase new accounts.
• Every position is closed at 4:10 PM ET; there is no overnight or weekend holding.
• 7 calendar days without a trade can close the account, Sim Funded included.
• Rapid's funded drawdown trails intraday until the +$100 lock.
• Builder caps each payout at $1,000 to $3,500 and applies a 50% consistency test per cycle.
• Pro's first request waits 14 calendar days, and MFFU's pages contradict each other on what its $100,000 cap means.

Who should pick My Funded Futures

A non-restricted intraday futures trader who can build a $2,100 buffer should compare Rapid 50K at a one-time $209 with Rapid EOD 50K at $225. Choose Rapid for the 24-hour first window and daily requests, Rapid EOD if you give back open profit and need the line to move only at the close, and Builder if you trade news or want a $153 entry with a defined route to live.

Who should avoid My Funded Futures

A Russian resident, a swing trader who needs overnight positions, or a trader who can't trade at least once every 7 days should avoid a new MFFU purchase. If you need to hold positions overnight, compare a firm whose own record says overnight is allowed.

FAQ

Next step: pick the size whose buffer you can realistically build in your first two funded weeks (on 50K that is $2,100 on every plan), check that plan's buffer and minimum against the tables above, then confirm the final price on the MFFU checkout.