My Funded Futures Review April 2026

My Funded Futures (MFFU) is a US-based futures proprietary trading firm founded in November 2023 by CEO Matthew Leech. It is an LLC with primary headquarters located in Dover, Delaware, US. Despite being relatively new to the industry, MFFU has grown rapidly to serve over 70,000 traders, earning a Trustpilot rating of approximately 4.9 with thousands of reviews.

We tested My Funded Futures and covered every technical detail of their program: plan types (Rapid, Flex, and Pro), evaluation rules, drawdown mechanics, payout structures, live account transition criteria, platform options, and the rules that funded traders must follow. We prepared the data you need to decide whether MFFU is the right prop firm for your trading style, risk tolerance, and financial goals.

How Does My Funded Futures Work? A Summary

MFFU operates on a three-stage funding model:

• Stage 1 — Evaluation: You purchase a monthly subscription for a simulated evaluation account, trade CME Group futures to reach a profit target while respecting the drawdown rules, and after passing, you move to a Sim Funded account. The evaluation uses a standardized rule set across all plans, with only 2 minimum trading days required to pass.
• Stage 2 — Sim Funded Account: After passing, you get a simulated funded account where you can earn real payouts based on performance. The specific payout rules, profit split, drawdown type, and transition criteria depend on the plan selected (Rapid, Flex, or Pro). There are no activation fees on any plan.
• Stage 3 — Live Account: Provided you meet plan-specific milestones, you transition to a live trading account where you can manage actual capital on behalf of MFFU. The transition criteria, live account parameters, and payout structures vary by plan.

Now, let's analyse each plan offered by My Funded Futures. Read carefully before selecting one that aligns with your trading style.

Plans Overview: Rapid, Flex, and Pro

MFFU currently offers three distinct plan types. All three share the same evaluation parameters for each account size, but diverge significantly at the Sim Funded and Live stages.

Take a look at the following table, where we structured each plan for a better understanding:

What Are the Evaluation Parameters for All Plans?

MFFU uses a unified set of rules for all evaluations across all plans. The evaluation rules are identical regardless of which plan type you choose; the plan only determines your Sim Funded experience after passing.

The drawdown during evaluations is end-of-day (EOD) trailing for all plans. It only updates at market close based on your highest end-of-day balance.

✅ Something positive about MFFU's evaluation is that there is no time limit to pass it. Your monthly subscription continues until you pass or cancel.

The 50% Evaluation Consistency Rule 

No single day's profit can exceed 50% of your total evaluation profits. Exceeding this does not breach the account; you simply need to trade additional days until the ratio is met.

For example, on a 50K account with a $3,000 profit target, no single day should account for more than $1,500 of total profit.

How Does the Rapid Plan Work? Sim Funded Details

The Rapid Plan is designed for traders seeking daily payouts with a 90/10 profit split. There is no activation fee, which is an advantage. The main trade-off we discovered is an intraday trailing drawdown in the Sim Funded stage.

The following sections explain all the parameters, rules and live transition of this model. Understand it first, invest later.

Rapid Sim Funded Account Parameters

This plan offers 4 account sizes and a 90% profit split. MFFU provides us with discount codes. The table below states the price of the plan without any discounts, please go to the official website to obtain the codes.

📌 Intraday trailing drawdown mechanics: The Max Loss trails your equity high-water mark (HWM) in real time during the trading day, including unrealized gains. The distance between your HWM and the Max Loss Limit remains constant while trailing. Once the trailing Max Loss reaches $100, it locks permanently at $100 and stops trailing. If your balance ever drops below $100, the account is breached.

Rapid Sim Funded Payouts

As regards the payouts of the Rapid Plan, remember that the minimum payout is $500 for all account sizes. The first payout is issued 24 hours after your first trade, and they are issued on a daily basis after this.

Note that you must build the buffer amount in realized profits before requesting any payout. Once the buffer is met, payouts refresh daily at market close.

Rapid Live Transition

You can transition from Rapid Sim Funded to Live through two pathways:

1. Automatic: If a $10,000 net profit is achieved in a single trading day, it will trigger the automatic live transition. The profit exceeding $10,000 for that day is forfeited.
2. Risk Management Review: Your consistent payout performance is reviewed and approved by the Risk Management Team.

Rapid Live Account Parameters

Note that contract limits are reduced on Live accounts compared to Sim Funded accounts. When multiple Rapid accounts transition to Live, they are combined into a single Live account with proportionally increased Max Loss Limits. Check out the details:

Rapid Reserve Program

Upon live transition, up to $5,000 of Sim Funded profits are held in a Reserve Program balance. Reserve funds are unlocked as a Performance Bonus when both criteria are met: 20 profitable trading days on the Live account, and $10,000 in cumulative gross payouts from the Live account.

If the Live account is breached, Reserve funds first offset any negative balance, and remaining funds are re-deposited into the dormant Sim Funded account for withdrawal only.

How Does the Flex Plan Work? The Sim Funded Details

The Flex Plan is MFFU's most affordable entry point, designed for beginners and budget-conscious traders. It features no buffer requirement, no activation fee, and a gradual scaling system. The Flex option offers only two account sizes: $25K and $50K.

We summarized the main features and trading rules below. Keep on reading.

Flex Sim Funded Account Parameters

This plan has only two account sizes and an 80% profit split. Sadly, this alternative comes with a discount code only for the 25K size. 

The good thing is that there is no activation fee or consistency rule. Check the full parameters below:

Flex scaling plan (Sim Funded only): Since the Sim Funded account starts at $0, your balance may go negative until the Max Loss Limit trails up to $0 or above.

Flex Payout Policy

The remaining 50% of profits must stay in the account. You cannot request a payout if your net profit since the last payout is negative.

Flex Live Transition

You have the chance to transition to a live account after reaching one of the following:

• 5 consecutive payouts on the same account (achievable on up to 5 accounts)
• The total sim cap of $100,000
• Consistent performance (at the discretion of the Risk Management Team)

What About the Flex Live Account Rules?

Pro Plan: Sim Funded Details

The Pro Plan is designed for experienced traders seeking maximum flexibility with no scaling rules, no daily loss limit, and the largest potential payouts (up to $100,000 per user). Read on to find out more about its rules, payouts, and transition to Pro Live.

Pro Sim Funded Account Parameters

At first glance, the Pro account's 80/20 profit split might seem less competitive than the 90% offered by rivals. However, having no activation fees and no daily loss limits, the Pro plan shifts the advantage back to you by reducing upfront costs and restrictive intraday rules.

Pro Payout Policy

Early withdrawal before buffer: You can withdraw up to 60% of profits before fully clearing the buffer, with a minimum of $1,000. The remaining 40% must stay for continued trading.

Pro Live Transition

Profits exceeding the $100,000 sim funded cap are transitioned to the live account balance (up to the plan-specific maximum). When you become a Live trader, it is possible to request funds only above your initial balance. After completing 20 winning days (each at 4% of initial balance minimum) and receiving 3 payouts, the initial balance is unlocked for withdrawal down to $140.

📌 Pro One-Day Add-On: The Pro Plan offers a One-Day Add-On that removes the consistency rule from the evaluation, allowing you to pass in a single trading day.

How Much Does a MFFU Plan Cost? Pricing, Subscription & Fees

MFFU positions itself as having no activation fees on any plan. The only cost is the monthly evaluation subscription. MFFU frequently runs promotional discounts that you can get by clicking on the blue button to go to their official site.

Here you can check all the prices across plans with no discounts:

Reset Fees That Only Apply to The Evaluation Phase

If you breach drawdown rules during evaluation, you can reset rather than repurchase a plan. Take a look at the fees to reset your accounts:

🔵 Rapid Evaluation Reset:

• 25K: $87
• 50K: $157
• 100K: $267
• 150K: $347

🔵 Flex Evaluation/ Sim Funded Reset:

• 25K: $87 / $399
• 50K: $107 / $499

🟡 Pro Evaluation Reset:

• 50K: $227
• 100K: $344
• 150K: $477

The reset fees vary by plan type. They are processed in minutes and restore the account to its starting parameters. Nonetheless, Sim Funded accounts cannot be reset; a breach closes the account permanently.

Understanding the Drawdown Mechanics

MFFU uses two different drawdown types depending on the account stage and plan: The industry standard EOD and Intraday trailing. 

EOD (End-of-Day) Trailing Drawdown

This drawdown type is used in all evaluations and in Flex/Pro Sim Funded and Live accounts. The drawdown only updates at the end of each trading day based on your closing balance. Intraday equity swings do not affect the drawdown threshold. This is the more forgiving option for traders who experience intraday volatility.

Intraday Trailing Drawdown

This option is available only in Rapid Sim Funded accounts. The drawdown trails your equity high-water mark in real time during the day, including both realized and unrealized P&L. This is more aggressive; if your equity reaches a new high even momentarily, the drawdown threshold moves up and never comes back down.

📌 Key mechanic:

• The maximum Loss Lock at $100: On Rapid Sim Funded accounts, once the trailing Max Loss reaches $100, it locks permanently. From that point, the drawdown stops trailing, and your account simply must maintain at least $100.
• On Pro Sim Funded accounts, after the first payout, the Max Loss Limit moves to the starting balance + $100 (e.g., $50,100) and becomes static.

What's The News Trading Policy at MFFU?

MFFU has specific restrictions around Tier 1 (T1) economic data releases. During T1 events, no positions or orders (including limit orders) can be open 2 minutes before and after the release. Positions must be flattened at least 2 minutes prior. For example, if the news is at 8:30 AM, positions must be closed by 8:28:00 and can only be reopened after 8:32:00.

🆕 T1 news events include: FOMC Meetings, FOMC Minutes, Employment Report, CPI, EIA (for energy traders), and Agricultural Reports (for agricultural traders).

❌ T1 news trading restrictions apply to:

• Rapid Sim Funded
• Pro Sim Funded
• Legacy Starter, Expert, and Scale Rapid Add-on accounts

✅ T1 news trading is permitted during:

• All evaluations on every plan
• Flex Sim Funded accounts

❌ What are the prohibited news trading strategies across all accounts and news events?: Exploiting immediate news bursts with straddles/strangles, masking news trades as standard strategies, and having open positions or orders in the order book 2 minutes before/after any data release.

MFFU Trading Hours and Tradable Instruments

The trading hours are: 6:00 PM to 4:10 PM EST (Eastern Standard Time). Trades are automatically closed at 4:10 PM; this auto-close and does not result in an account breach.

We listed the tradable instruments below. CME Group futures across multiple exchanges:

• CME Equity Futures: ES, NQ, RTY, MES, MNQ, M2K, MBT (Micro Bitcoin — treated as a mini contract)
• CME Currency Futures: 6A, 6B, 6C, 6E, 6J, M6A, M6E
• CME Agricultural: HE, LE, ZC, ZS, ZW, ZM, ZL
• NYMEX Energy: CL, MCL, QM, NG, QG, RB
• COMEX Metals: GC, SI, HG, MGC

💡 Important: MBT (Micro Bitcoin) counts as a mini contract for position sizing purposes.

Commission Examples (Round Trip)

Please check the full commissions on MFFU's official website. Here's a summary:

What Are The Trading Platforms Supported?

MFFU supports seven trading platforms:

1. NinjaTrader: The most popular choice, full charting and advanced order types. It connects via Rithmic.
2. Tradovate: A web-based, intuitive interface, supports built-in group copier for copy trading.
3. TradingView: A chart-first platform, trades via Tradovate integration.
4. Quantower: Provides advanced tools with modern interface.
5. Volumetrica: Specialized volume analysis and order flow platform.
6. Volsys/Volbook: Real-time volume data and market depth analysis.
7. ATAS: Offers advanced analytics for order flow and market microstructure.

Copy Trading

MFFU allows copy trading across all account types. Tradesyncer is their preferred partner, offering millisecond-precision trade synchronization. Tradovate's built-in group copier and external solutions are also supported.

Important: copy trading between different individuals' accounts is prohibited. Only copying your own trades across your own accounts is permitted. Each trader must keep their own individual trading activity (entering, exiting, and cancelling their own executions).

Prohibited Trading Practices

MFFU enforces strict fair play policies. Read the complete prohibited behaviors before purchasing a plan.

• High-frequency trading (HFT) is not allowed on any plan.
• Exploiting simulated fills: Strategies that exploit favorable sim fills but would fail in live markets are prohibited.
• Order manipulation: Placing multiple limit orders at the same price to manipulate fills.
• Gapped/illiquid market trading: Initiating trades to profit from isolated fills.
• Slippage exploitation: Exploiting absence of slippage with tight brackets.
• Collaborative trading: Coordinating identical or opposite strategies across unconnected accounts.
• Device sharing: Each trader must use their own device. Sharing devices between traders is prohibited.
• Hedging: Entering both buy and sell positions on the same underlying asset simultaneously is prohibited (includes related instruments, e.g., NQ and MNQ).
• 2% Price Limit Rule: Trading restrictions apply when instruments are within 2% of CME price limits.

Inactivity Rule: One Trade Every 7 Days

Sim Funded accounts require at least one trade every 7 calendar days. Violating the inactivity rule leads to account breach. The good side is that there is no inactivity requirement during the evaluation phase.

💡 If you plan to take a break, notify MFFU support in advance.

Account Resets and Renewals

Evaluation resets restore your account to starting parameters and are processed in minutes. The reset fees vary by plan (starting at approximately $77 for smaller accounts). The previous P&L and trading days are wiped.

Renewals occur when your monthly subscription rebills, continuing the account as-is with your existing balance and trading history.

IMPORTANT: Sim Funded accounts cannot be reset. A breach permanently closes the account.

Check again our section on reset fees above.

KYC/AML and Account Verification

You have to complete the Know Your Customer (KYC) verification by submitting government-issued identification, proof of address, and other required documents. MFFU conducts ongoing AML (Anti-Money Laundering) monitoring and KYC documentation monitoring to ensure compliance.

Payments must come from the account holder's own card. This means you cannot use someone else's card to purchase from the firm.

Live Account Post-Breach Cooldown

If a Live account is closed due to a Maximum Loss breach:

• A 21-day cooldown period is initiated during which all Sim Funded trading, new purchases, resets, and account acquisitions are prohibited.
• After 21 calendar days, restrictions are lifted and you can resume trading or purchase new evaluations.

Tax Information

Traders who receive payouts are treated as independent contractors. So the company will provide you with 1099 tax documents if you are a US citizen. International traders will receive appropriate documentation as applicable.

Refund and Cancellation Policy

MFFU offers a transparent refund/cancellation policy. Subscriptions can be cancelled at any time through the dashboard. Please, remember to check the specific refund eligibility details in MFFU's help center.

Restricted Countries

MFFU is unavailable to traders from the following countries:

Afghanistan, Albania, Algeria, Angola, Bahamas, Barbados, Belarus, Bosnia & Herzegovina, Botswana, Bulgaria, Burkina Faso, Burma (Myanmar), Burundi, Cambodia, Cameroon, Central African Republic, China, Côte d'Ivoire, Crimea, Croatia, Cuba, Democratic Republic of Congo, Ecuador, Ethiopia, Ghana, Gibraltar, Haiti, Hong Kong, Iceland, Indonesia, Iran, Iraq, Jamaica, Jordan, Kenya, Kosovo, Laos, Lebanon, Liberia, Libya, Macedonia, Malaysia, Mali, Malta, Mauritius, Mexico, Mongolia, Montenegro, Mozambique, Namibia, Nicaragua, Nigeria, North Korea, Pakistan, Panama, Papua New Guinea, Philippines, Qatar, Romania, Russia, Serbia, Slovenia, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Syria, Taiwan, Tanzania, Trinidad and Tobago, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, Venezuela, Vietnam, Yemen, and Zimbabwe.

Who Is My Funded Futures Best For?

We arrived to the conclusion that MFFU is a strong fit if you:

• Want zero activation fees across every plan
• Value daily payouts (Rapid Plan) or frequent payouts (Flex every 5 days, Pro every 14 days)
• Want a standardized, simple evaluation that can be passed in as little as 2 trading days
• Prefer EOD drawdown during evaluation (less punishing than intraday trailing)
• Want a clear path from Sim Funded to Live trading capital
• Value fast payout processing (most approvals are instant)
• Want platform flexibility (7 supported platforms including NinjaTrader, TradingView, and Tradovate)
• Appreciate an active Discord community and responsive live chat support

But you may not like MFFU if you:

• Want to trade Tier 1 news events on funded accounts (restricted on Rapid and Pro Sim Funded)
• Prefer static drawdown rather than trailing (all MFFU drawdowns trail, either intraday or EOD)
• Want to hedge long and short on the same instrument since this is explicitly prohibited
• Need overnight position holding flexibility (positions auto-close at 4:10 PM EST)
• Prefer consistent rules without frequent plan restructuring. MFFU has changed plan names and structures multiple times since launch.
• Want to trade automated HFT strategies (prohibited)
• Come from any of the restricted countries, which are many.

My Funded Futures Compared to Other Prop Firms

✅ MFFU's standout advantages include zero activation fees across all plans, daily payout potential on Rapid, instant payout approvals, the broadest range of plan structures in the industry (Flex for budget, Rapid for speed, Pro for flexibility), and a standardized evaluation passable in 2 days.

❌ Its main limitations include T1 news restrictions on Rapid and Pro funded accounts, the Rapid Reserve Program that locks up to $5,000 of profits during live transition, a relatively short operating history (since November 2023), and the 21-day cooldown after a live account breach.

Final Assessment

My Funded Futures has positioned itself as one of the most flexible and trader-friendly futures prop firms in a very short time. It offers a three-plan system (Rapid, Flex, Pro). Their differentiation comes from the budget-friendly Flex Plan at $84/month with no buffer requirement, to the Rapid Plan with daily payouts at a 90/10 split, to the Pro Plan offering up to $100,000 in withdrawals with no scaling restrictions.

A cost barrier is removed if you choose to this firm: There are no activation fees. Additionally, the standardized evaluation with only 2 minimum trading days and EOD drawdown makes passing relatively accessible compared to firms using intraday trailing at the evaluation stage.

However, traders should carefully weigh the plan-specific trade-offs. The Rapid Plan's intraday trailing drawdown in the Sim Funded stage is more aggressive than the EOD drawdown offered by Flex and Pro. The Reserve Program on Rapid locks up to $5,000 of profits upon live transition. The Flex Plan's scaling rules and payout caps ($3,000–$5,000 per request with 50% retention) may limit earning velocity. And the Pro Plan's 14-day payout intervals and higher monthly fees require more patience and capital commitment.

The 21-day cooldown following a live account breach is also a notable restriction. You cannot trade any account (sim or live) or make new purchases during this period.

For disciplined futures day traders who want plan flexibility, zero activation fees, and a transparent path to live capital, My Funded Futures deserves serious consideration. The firm's rapid growth, high Trustpilot ratings, and responsive support infrastructure suggest a well-run operation — though its relatively short track record (founded November 2023) is worth noting for traders who prioritize firm longevity.

Our Supporting Materials

All the data included and tested for this review is based on MFFU's official help center documentation, public pricing, and verified third-party review data.

• MFFU Official Website
• MFFU Help Center

Rules, pricing, and plan structures are subject to change. Always verify current terms directly on the My Funded Futures website before making a purchase.