FTMO vs My Funded Futures: 2026 Prop Firm Showdown for Traders

FTMO vs My Funded Futures: Side-by-Side Comparison

Both FTMO and My Funded Futures are among the most popular proprietary trading firms in 2026, but the details of their offers are very different. Here’s a direct feature-by-feature comparison to highlight the real-world implications for traders.

For a real-time, customizable breakdown, use our side-by-side comparison tool.

Challenge Structure: How the Evaluation Really Works

FTMO

FTMO’s challenge is a classic two-phase process. Phase 1 requires a 10% profit target within 30 days, with a maximum 10% overall and 5% daily drawdown. If you pass, Phase 2 cuts the profit target to 5% over 60 days. Both phases require a minimum of 4 trading days. There is a free retake if you meet the profit target but not the minimum days—useful if you hit your numbers quickly.

This structure is demanding: a trader on a $100K account must make $10,000 in 30 days without losing more than $5,000 in a single day or $10,000 overall. Factor in the strict evaluation—rules are tightly enforced, and violations mean a reset or failure.

My Funded Futures

My Funded Futures (MFF) uses a single-phase evaluation. The profit target is just 6% (e.g., $6,000 on a $100K account), and there’s no daily drawdown limit—only a 4% overall trailing drawdown (EOD for Core/Pro, intraday for Rapid). Minimum trading days? Only 2, meaning you could theoretically pass in a single strong week.

The Rapid plan’s intraday trailing drawdown is much less forgiving—if your balance ever falls $4,000 below your peak, you’re out. The Core and Pro plans are more lenient, but their trailing drawdown still bites if you give back gains late in the challenge. There’s no time limit, but you pay a monthly subscription until you pass or quit.

Costs: Upfront vs Ongoing

FTMO

FTMO charges a one-time fee per challenge, ranging from $155 for a $10K account to $1,080 for a $200K account. You pay once per attempt, with a free retake if you hit the profit target but miss the minimum trading days. There are no ongoing fees once funded.

My Funded Futures

My Funded Futures operates on a subscription model: $77-$477 per month depending on account size and plan. You pay monthly until you pass, fail, or cancel. If you take three months to pass a $100K Core account ($187/mo), you’ll pay $561 total—less than FTMO’s $540 one-time fee for the same size, but if you need longer, costs add up. There are no challenge retakes, but you can cancel and restart anytime.

Drawdown Rules: How Much Room Do You Really Have?

FTMO

FTMO’s 10% max drawdown and 5% daily drawdown are both absolute: on a $100K challenge, you can’t lose more than $5,000 in a day, or $10,000 overall, even if you later recover. These limits reset each month for funded traders, but in the challenge, a single violation fails the account.

My Funded Futures

MFF has a single 4% trailing drawdown (e.g., $4,000 on $100K). On Core/Pro plans, it’s calculated at end-of-day equity; on Rapid, it tracks intraday balance, so a sharp drawdown at any point can end your challenge—even if you recover the same day. There’s no daily loss limit.

For a personalized breakdown, use our drawdown calculator.

Profit Split and Payouts

Both firms offer the same top-line profit splits: 80/20 at first, scaling to 90/10 for consistent traders. FTMO pays monthly and is known for reliability. My Funded Futures pays after your first payout, then bi-weekly—but only on net profits above the trailing drawdown watermark. This can mean smaller, more frequent payouts if you’re consistent, but it also means you might not see profits if you hit the drawdown wall.

Instruments and Platforms

FTMO

FTMO offers a wide range: forex, indices, commodities, crypto, and stocks. You can trade on MetaTrader 4/5, cTrader, and other major platforms. News trading and EAs are allowed, though you can’t hold trades through major news events if you’re swing trading.

My Funded Futures

MFF is strictly for futures traders, offering CME Group products only. You’ll use NinjaTrader, Tradovate, or Rithmic-based platforms. News trading is not allowed—Tier 1 events are restricted. EAs are permitted, but only if your strategy fits the futures market profile.

Scaling and Account Growth

FTMO

FTMO’s scaling plan is among the most generous: if you hit profit targets for four consecutive months, you can scale your account up to $2M. This is a major draw for traders who want to maximize their notional exposure over time.

My Funded Futures

MFF’s Pro plan allows you to progress to live trading after reaching $100K in cumulative payouts. However, this is a cap—once you hit $100K, your funded status is reviewed or reset. There is no upper scaling limit like FTMO, but you can open new accounts and repeat the process.

Payout Speed and Reliability

FTMO is known for monthly, predictable payouts, with few complaints about delays. MFF pays after your first payout, then every two weeks, but only on profits above the trailing drawdown watermark—a detail that can catch out traders who don’t actively monitor their equity curve.

Both firms pay via bank transfer and crypto, but FTMO’s payout process is more established, with fewer user reports of delays or complications.

Non-Obvious Trade-Offs

• Drawdown Type: A static drawdown (FTMO) is more forgiving for volatile strategies, while a trailing drawdown (MFF) punishes retracements—even after hitting your profit target.
• Subscription vs One-Time Fee: MFF’s monthly fee is psychologically easier to swallow, but can accumulate if you’re not fast. FTMO’s high upfront fee is a sunk cost, but you only pay once per attempt.
• Instrument Breadth: FTMO’s multi-asset offering enables more diversification and hedging. MFF is pure futures—great for specialists, limiting for others.
• Evaluation Pressure: FTMO’s time limits create urgency. MFF’s unlimited time can lead to overtrading or complacency. Know your own discipline level.
• Scaling Philosophy: FTMO rewards long-term consistency with larger accounts. MFF caps you at $100K payout per account, but you can open new ones.

Who Should Choose FTMO?

FTMO is best for:

• Traders who want access to multiple asset classes, including forex, indices, commodities, and crypto.
• Those seeking long-term scaling—up to $2M per account.
• Traders who prefer static, predictable drawdown rules.
• Disciplined traders who can handle strict evaluation and higher upfront fees.
• Anyone who values a proven, trusted brand and robust educational resources.

For a detailed breakdown, see our FTMO review.

Who Should Choose My Funded Futures?

My Funded Futures is best for:

• Pure futures traders seeking direct CME Group access.
• Traders who want a lower profit target (6%) and no daily drawdown limit.
• Those who want to avoid upfront costs and prefer a pay-as-you-go model.
• Traders who can pass quickly (2 minimum trading days) and keep their equity curve smooth.
• Algo/EAs users who want to automate futures strategies.

For a deeper analysis, see our My Funded Futures review.

Bottom Line: Which Prop Firm Should You Choose?

There’s no one-size-fits-all answer. Here’s a quick profile-based recommendation:

• Multi-asset, scaling-focused traders: FTMO’s breadth, scaling, and static drawdown are unmatched. Choose FTMO if you want to build a large, diversified prop career.
• Futures-only, quick-pass traders: My Funded Futures is more accessible, with a lower profit target and no daily drawdown. Ideal if you’re fast, disciplined, and trade CME products.
• Drawdown-sensitive or swing traders: FTMO’s fixed drawdown tolerates volatility better. MFF’s trailing drawdown is harsh on equity curve retracements.
• Cost-conscious, short-term testers: MFF’s subscription is lower risk if you expect to pass in 1-2 months. FTMO is more cost-effective for those confident in passing on the first try.

Still undecided? Try our interactive comparison tool for a granular, personalized breakdown.