My Funded Futures Review 2026: What Traders Really Need to Know
My Funded Futures (MFF) has built a strong reputation among futures traders, boasting a 4.9/5 Trustpilot rating from over 11,000 reviews. But is their program as trader-friendly as the scores suggest? This review breaks down the firm’s real rules, payout math, and the subtle trade-offs that can make or break your experience in 2026.
Key Specs: My Funded Futures at a Glance
- Account Sizes: $50,000, $100,000, $150,000
- Profit Target: 6% (e.g., $3,000 on a $50K account)
- Drawdown: 4% max trailing (no daily loss limit on Core/Pro)
- Payout Split: 80/20 (scaling to 90/10)
- Challenge Cost: $77–$477/month
- Min Trading Days: 2
- Trading Period: Unlimited
- Allowed Instruments: CME Group futures only
- Leverage: Full contract leverage
- News Trading: Prohibited during Tier 1 events
- Weekend Holding: Allowed
- EA/Algo Trading: Allowed
- Scaling: Pro plan progresses to live after $100K cumulative payout
Account Types & Costs
MFF offers three main account sizes: $50K, $100K, and $150K. All are available on a monthly subscription basis, ranging from $77 for the smallest account to $477 for the largest.
| Account Size | Monthly Cost | Profit Target | Max Drawdown | Profit Split | Min Trading Days |
|---|---|---|---|---|---|
| $50,000 | $77 | $3,000 | $2,000 | 80/20 → 90/10 | 2 |
| $100,000 | $147 | $6,000 | $4,000 | 80/20 → 90/10 | 2 |
| $150,000 | $477 | $9,000 | $6,000 | 80/20 → 90/10 | 2 |
Unlike most prop firms, there’s no daily loss limit on Core and Pro plans. The only risk guardrail is a 4% end-of-day (EOD) trailing drawdown. For example, on a $100K account, you can't let your balance drop below $96,000 at EOD, regardless of intraday swings.
The absence of a daily loss limit means you have more intraday flexibility—but you must manage your EOD balance tightly. This can be a double-edged sword for aggressive traders.
Drawdown Math: Exactly How Much Room Do You Have?
MFF’s trailing drawdown is set at 4% of the starting balance. This means:
- $50K account: $2,000 total drawdown
- $100K account: $4,000 total drawdown
- $150K account: $6,000 total drawdown
Importantly, this is an end-of-day trailing drawdown on the Core and Pro plans. The drawdown only moves up as your account makes new highs at the close of the trading day. Intraday losses that are recovered by the close won’t trigger a violation. But if you close the day below the trailing threshold, your account is breached.
The Rapid plan (not the main focus here) uses an intraday trailing drawdown, which is much more restrictive. If you’re considering that plan, run your numbers with the PropSurvivalEngine calculator to see your real risk window.
There is no daily loss limit to protect you from “blowing up” in a single volatile session. If you take a large loss intraday and don’t recover by EOD, you’re out. You must self-impose risk controls.
Example Scenario
Suppose you’re trading a $100K account and end the day at $98,500. Your trailing drawdown moves up to $94,500. The next day, if you lose $4,501 intraday and close the day at $94,499, you’re breached—even if you were up earlier in the session.
Profit Targets & Payouts: What Can You Actually Take Home?
All accounts require a 6% profit target to pass the evaluation. For the $100K account, that’s $6,000 in profit. Once you pass, you enter the funded (live or simulated) stage with an 80/20 profit split—meaning you keep 80% of profits. After reaching $100,000 in cumulative payouts (Pro plan), your split jumps to 90/10.
- Example: $10,000 profit → you keep $8,000 (80%)
- After $100K paid out: $10,000 profit → you keep $9,000 (90%)
Compared to industry averages (often 80/20 with no scaling), this is competitive. But hitting the $100K cumulative payout for the split boost requires consistent performance over time.
The 80/20 split is standard, but the 90/10 tier is only for traders who survive and perform long-term. Calculate your realistic monthly payout pace to see if this is relevant for you.
Trading Rules: What’s Allowed, What’s Not
- Trading Days: Pass in as few as 2 days—much faster than firms requiring 10+ days. You can get funded in a week if you hit your target.
- Unlimited Trading Period: No time pressure to hit targets, so you can trade patiently.
- Instruments: Only CME Group futures (no forex, crypto, or stocks).
- News Trading: Major (Tier 1) news events are off-limits. Plan to be flat during FOMC, NFP, CPI, etc.
- Weekend Holding: Allowed—rare among prop firms.
- EA/Algo Trading: Allowed, but you must comply with all risk and news restrictions.
If you rely on trading news spikes or need multi-asset flexibility, MFF is not for you. The news ban is strictly enforced, and there’s no support for forex or crypto strategies.
Scaling, Payouts & the “Live” Account Question
MFF’s Pro plan lets you progress to a “live” trading environment after you’ve received $100,000 in cumulative payouts. Until then, you’re in a simulated environment, even after passing the challenge. This is standard in the industry, but worth noting if you’re seeking direct-to-broker trading.
- Payouts: Typically processed monthly, with some flexibility for high performers
- Scaling: No forced lot size restrictions as you grow, but all risk parameters remain in effect
Subscription Model: The Real Cost Over Time
Unlike one-time fee prop firms, MFF uses a monthly subscription for all accounts. This means you’ll pay $77–$477 every month, even after passing the evaluation, until you’re in the “live” stage. Over six months, a $100K account could cost you $882 in fees ($147 x 6), which eats into your net profits—especially if you have a slow start or hit a drawdown.
Factor in the recurring monthly cost when projecting your breakeven and payout timeline. If you aren’t trading consistently profitable volume, the subscription can become expensive fast.
Trader Experience: What Sets My Funded Futures Apart?
- One-Phase Evaluation: No multi-step hoops—just hit the profit target and you’re through.
- Minimal Trading Days: Pass in as little as 2 days. Most firms require 5–15.
- High Public Trust: 4.9/5 Trustpilot from 11,000+ reviews is exceptional. Most competitors struggle to break 4.5.
- No Daily Loss Limit: More flexibility, but greater self-responsibility.
- Weekend Holding: Rare permission—useful for swing traders.
But these trader-friendly features come with trade-offs—namely, the lack of news trading, no non-futures assets, and the pressure of a monthly subscription even during drawdown periods.
What’s Missing (and Why It Matters)
- No Forex, Crypto, or Stocks: If you want to diversify or algorithmically trade other asset classes, you’re out of luck.
- No Direct Live Account (Initially): You must earn $100K in payouts before trading real capital.
- News Trading Ban: If your edge is in volatility around economic releases, you’ll need to sit those out.
Who Should (and Shouldn't) Use My Funded Futures?
Best for:
- Experienced futures traders who want quick evaluation and simple rules
- Algorithmic traders (EAs allowed) who can comply with news/event rules
- Swing traders needing weekend positions
- Traders who want to avoid daily loss limits and can self-manage risk
Not for:
- Forex, crypto, or stock traders
- News/event scalpers
- Traders looking for one-time fee models or instant live accounts
- Beginners who need strict risk controls imposed by the firm
How Does My Funded Futures Compare?
Here’s how MFF stacks up against typical industry standards:
| Feature | My Funded Futures | Industry Average |
|---|---|---|
| Profit Split | 80/20 → 90/10 | 80/20 |
| Drawdown | 4% trailing (EOD) | 4-10% trailing or fixed, often with daily loss limit |
| Min Trading Days | 2 | 5–15 |
| Instruments | Futures only | Futures, forex, stocks, crypto |
| News Trading | Not allowed (Tier 1 events) | Often allowed or less restricted |
| Subscription Model | Monthly ($77–$477) | One-time fee or monthly |
| Trustpilot Rating | 4.9/5 (11,000+) | 4.2–4.6/5 (1,000–5,000) |
For a personalized breakdown of how these specs affect your trading style, use the PropSurvivalEngine comparison tool.
Non-Obvious Trade-Offs: What the Marketing Doesn’t Tell You
- End-of-Day Trailing Drawdown: It’s more forgiving than intraday, but you must be disciplined about closing positions or recovering losses by session end. Swing traders benefit most, but day traders can get lulled into risky behavior.
- Subscription Creep: If you hit a losing streak or need time off, monthly fees continue. A slow start can make break-even much harder than with a one-time fee model.
- Scaling to 90/10 Split: The 90/10 split sounds great, but only applies after $100K in payouts. At an average $5K/month payout, that’s a 20-month journey.
- No News Trading: Even algo traders must code in logic to flatten before scheduled Tier 1 events. This can disrupt automated strategies and reduce edge.
If you’re used to taking time off or trading sporadically, the recurring monthly charge can eat into your capital quickly. Plan your trading calendar and cash flow carefully.
Bottom Line: Is My Funded Futures Worth It in 2026?
My Funded Futures delivers a streamlined, trader-centric experience for those focused exclusively on futures. The lack of a daily loss limit, minimal trading days, and high Trustpilot rating are standout features. The 4% EOD trailing drawdown is fair, but requires strong self-discipline.
The biggest drawbacks are the futures-only restriction, strict news trading ban, and ongoing monthly fees—even after passing the challenge. The 90/10 split is a long-term carrot, not an immediate benefit for most traders.
If you’re a disciplined futures trader who values rapid evaluation, weekend holding, and can manage your own risk, MFF is one of the best options in 2026. If you need asset flexibility, want to trade news, or dislike subscriptions, look elsewhere.
Still unsure? Plug your stats into the PropSurvivalEngine calculator to see if MFF’s rules fit your real-world trading style. And check out their health grade at /health for our latest trust and payout assessments.