Topstep vs MyFundedFutures: Current 50K Program Rules

This page compares three specific $50,000 nominal programs for new purchases: Topstep's Trading Combine on Standard pricing leading to an XFA Standard, and MyFundedFutures' Builder Default and Rapid Intraday plans. Optional rule add-ons are excluded. A nominal $50,000 account size is a program label, not $50,000 cash supplied to you, and on these three paths the simulated funded stage starts from a zero balance. The better choice is conditional: each program applies its drawdown, consistency, and payout rules at different stages, so a plan that suits a trader who spreads profit across days may not suit one who trades in concentrated bursts. Figures are USD, checked October 3, 2026, against each firm's first-party written terms; pricing and rules can change.

Compare futures account rules

Nominal program sizes and separate account stages. Regular prices in USD. Checked 2026-10-03.

Evaluation rules and fees

Program	Fees	Target	Drawdown	Consistency and access
TopstepTrading Combine Standard pricing / XFA Standard / no DLL add-on $50,000.00 [2] Source note Nominal program size. Starting simulated balances are recorded separately.	Regular evaluation price $49.00 [1]Evaluation subscription price before taxes. Standard pricing path. Billing Monthly [1]Combine subscription cancels after passing. Activation $149.00 [1]One-time fee for each earned XFA on Standard pricing. Paid reset fee $49.00 [1]50K Standard Combine reset; separate from XFA reactivation.	Profit target $3,000.00 [3] Minimum trading days 2 [2]	Limit $2,000.00 [4] Calculation End-of-day trailing [4] Breach monitoring Real-time net equity [4]Realized and unrealized losses can breach the current floor intraday. Breach boundary At or below the loss floor [4] Source note Touching the current loss floor breaches the account. Floor cap $50,000.00 [4]	Rule or target 55% [3] Boundary At or below the threshold [3] Basis Best-day profit divided by total profit [3]Above 55% raises the required profit target. Additional profit must come on a separate trading day. Access days Not verified [1]Monthly subscription; a fixed evaluation expiry was not verified.
MyFundedFuturesBuilder Default / 2000 MLL / current one-time purchase $50,000.00 [21] Source note Nominal program size. Starting simulated balances are recorded separately.	Regular evaluation price $153.00 [21] Billing One-time [23] Activation $0.00 [21] Paid reset fee Not verified Exact current Builder reset price not verified.	Profit target $3,000.00 [21] Minimum trading days 1 [21]	Limit $2,000.00 [21] Calculation End-of-day trailing [21] Breach monitoring Not verified [21]Guide describes open-equity breach determination at day end. Continuous intraday enforcement is not explicitly verified. Breach boundary Not verified Exact touch versus below operator not verified for this stage. Floor cap Not verified [21]The guide gives a general +100 locking statement, without a separate evaluation lock table.	Rule or target Not applicable [31]Builder has no evaluation consistency rule. Boundary Not applicable [31]Not applied. Basis Not applicable [31]Not applied. Access days Not verified [23]One-time purchase; seven-day inactivity is not a fixed expiry.
MyFundedFuturesRapid Intraday / current one-time purchase $50,000.00 [30] Source note Nominal program size. Starting simulated balances are recorded separately.	Regular evaluation price $209.00 [20] [22] Billing One-time [23] Activation $0.00 [30] Paid reset fee Not verified Current reset availability/price unresolved.	Profit target $3,000.00 [30] Minimum trading days 2 [30]	Limit $2,000.00 [30] Calculation End-of-day trailing [30] Breach monitoring Not verified [30]Exact intraday enforcement for the evaluation stage not verified. Breach boundary Not verified Exact touch versus below operator not verified for this stage. Floor cap Not verified Evaluation floor locking not explicitly verified.	Rule or target 50% [31] Boundary At or below the threshold [31] Basis Best-day profit divided by total evaluation profit [31] Access days Not verified [23]One-time purchase has inactivity conditions, not a verified fixed expiry.

Simulated funded rules and payout conditions

Program	Account state	Drawdown	Payout conditions	Payout limits
TopstepTrading Combine Standard pricing / XFA Standard / no DLL add-on $50,000.00 [2] Source note Nominal program size. Starting simulated balances are recorded separately.	Environment Simulated [5] Starting balance $0.00 [5]	Limit $2,000.00 [4] Calculation End-of-day trailing [4] Breach monitoring Real-time net equity [4] Breach boundary At or below the loss floor [4] Source note Touching the current loss floor breaches the account. Floor cap $0.00 [4] Cap condition EOD balance reaches 2000, or first payout, whichever occurs first [4]	Consistency Not applicable [5]XFA Standard has no payout consistency target. XFA Consistency is a separate path. Boundary Not applicable [5]No consistency rule on selected funded path. Winning days 5 [6] Minimum winning day $150.00 [6] Buffer Not applicable [6]No separate safety-net earning threshold stated for XFA Standard; loss floor still applies. Minimum request balance Not verified Not verified for this exact simulated-funded stage. Other conditions Five non-consecutive winning days per cycle After the first payout: at least 0.01 net profit since the prior payout First payout sets MLL to zero; qualifying-day count restarts Request and payment fees may reduce cash received [6]	Trader share 90% [6]New trader terms. Pre-12-Jan-2026 legacy concession excluded. Minimum request $125.00 [6] Maximum request $2,000.00 [6]50K XFA Standard without DLL offer. Also limited to 50% of balance. Balance share cap 50% [6] Maximum payout count Not verified Not verified for this exact simulated-funded stage.
MyFundedFuturesBuilder Default / 2000 MLL / current one-time purchase $50,000.00 [21] Source note Nominal program size. Starting simulated balances are recorded separately.	Environment Simulated [21] Starting balance $0.00 [21]	Limit $2,000.00 [21] Calculation End-of-day trailing [21] Breach monitoring Not verified [21]Exact real-time enforcement is not clear in this plan-specific guide. Breach boundary Not verified Exact touch versus below operator not verified for this stage. Floor cap $100.00 [21]General account-rule lock at starting balance plus 100. Live table separately says zero. Cap condition Loss floor reaches starting balance plus 100 [21]	Consistency 50% [21] Boundary At or below the threshold [21] Winning days Not applicable [21]Requires two trading days, not a winning-day dollar threshold. Trading days 2 [21] Minimum winning day Not applicable [21]No daily dollar minimum stated in payout criteria. Buffer $2,100.00 [21] Minimum request balance $2,600.00 [21] Other conditions First payout: at least 500 net profit above 2100 buffer Later payouts: at least 500 net profit since prior approved payout At least two trading days and inclusive 50% consistency each cycle First request no earlier than 48 hours after first simulated-funded trade [21]	Trader share 80% [21] Minimum request $500.00 [21] Maximum request $2,000.00 [21] Balance share cap Not verified Not verified for this exact simulated-funded stage. Maximum payout count 5 [21]
MyFundedFuturesRapid Intraday / current one-time purchase $50,000.00 [30] Source note Nominal program size. Starting simulated balances are recorded separately.	Environment Simulated [30] Starting balance $0.00 [30]	Limit $2,000.00 [30] Calculation Intraday trailing [30] Breach monitoring Real-time net equity [32] Breach boundary Below the loss floor [30] Source note Current plan-specific article says below the $100 locked floor breaches. Other generic descriptions may differ. Floor cap $100.00 [30] Cap condition Trailing floor reaches 100; high-water equity reaches 2100 [30]Plan-specific help takes precedence over older generic drawdown text.	Consistency Not applicable [30]No simulated-funded consistency rule. Boundary Not applicable [30]Not applied. Winning days Not applicable [30]Daily requests rely on buffer and minimum, not a five-winning-day cycle. Minimum winning day Not applicable [30]Not stated as a requirement. Buffer $2,100.00 [30]Realized-profit buffer must be earned before a request; separate from 100 loss floor. Minimum request balance Not verified [30]Buffer unlock is verified, but exact retained balance/withdrawable amount interaction is not fully stated. Other conditions First request: at least 24 hours after first simulated-funded trade, with buffer and minimum satisfied Daily cadence: every 24 hours Tier 1 news trading is prohibited in simulated-funded stage [30]	Trader share 90% [30] Minimum request $500.00 [30] Maximum request Not verified No explicit maximum request amount verified for Rapid Intraday; Rapid EOD rules must not be substituted. Balance share cap Not verified Not verified for this exact simulated-funded stage. Maximum payout count Not verified Not verified for this exact simulated-funded stage.

Estimate known fees

Enable JavaScript to estimate selected charges. Verified prices are shown in the table.

Verified evaluation, paid reset and activation charges only. Data, platform, commissions, taxes and other charges are excluded. Reset credits and promotions are not applied. One-time access limits still apply. Passing and payout eligibility are separate.

Costs and account stages

Each program has three distinct stages: a simulated evaluation, a simulated funded account, and a separate live stage. Topstep's Combine Standard path costs $49 per month and the subscription cancels after you pass; earning an Express Funded Account on Standard pricing then requires a one-time $149 activation fee, while the XFA itself carries no monthly subscription. A separate Topstep pricing path removes the activation fee in exchange for a $95 monthly rate, but that is a purchase-time choice, not this row. A 50K Standard Combine reset costs $49, per Topstep's pricing article. The known fees through activation in one Topstep billing cycle total $198, versus a $153 Builder evaluation with no activation fee, but neither figure is an all-in cost.

MyFundedFutures currently prices its Builder Default plan at $153 USD and its Rapid Intraday plan at $209 USD as regular prices. Per the company's current one-time payment model, both are one-time purchases with no activation fee and no recurring simulated-funded fee. The Builder reset fee is unverified, and Rapid reset availability remains unresolved because current official sources conflict. Unknown does not mean free, but it also does not prove a positive fee or non-publication. Compare these figures in our Topstep review and MyFundedFutures review before you commit.

Drawdown and consistency

All three evaluations use a $3,000 profit target and a $2,000 end-of-day trailing drawdown from a $50,000 simulated starting balance. The floor starts at $48,000, trails the highest end-of-day balance minus $2,000, and can cap; the cap levels differ by stage and program and are listed in the table. Unrealized intraday gains do not raise an EOD floor. Topstep monitors breaches in real time against net equity, so an open loss can end the account intraday, per Topstep's Maximum Loss Limit article. The trailing drawdown guide explains the mechanic step by step.

Consistency differs by stage. Topstep's Combine uses an inclusive 55% rule: exceeding it does not fail the account, but the required profit target rises and the additional profit must come on a separate day, per Topstep's consistency article. Builder Default has no evaluation consistency rule, while Rapid Intraday applies an inclusive 50% evaluation rule. In the simulated funded stage, XFA Standard has no consistency rule, Builder applies an inclusive 50% rule per payout cycle, and Rapid Intraday has none, per MyFundedFutures' consistency rule article. Rapid Intraday's funded stage also switches to an intraday trailing drawdown measured on highest intraday equity, where unrealized gains do raise the floor, per MyFundedFutures' intraday drawdown article. The consistency rule guide shows worked examples.

Choosing a program

For payouts, Topstep's XFA Standard plan offers a 90% profit split, requires five winning days of $150 USD or more per cycle, and allows requests between a $125 USD minimum and a maximum that is the smaller of $2,000 USD or 50% of the account balance, per the Topstep payout policy. Builder funded accounts use an 80% share, require at least two trading days in each payout cycle, cap requests at $2,000 USD, and set a $2,100 USD buffer. Rapid funded accounts pay a 90% share, carry a $500 USD minimum request, a $2,100 USD buffer, and a 24-hour request cadence, though that cadence does not guarantee processing speed. The choice is conditional: Topstep evaluations carry a monthly regular charge with resets, Builder evaluations are one-time with a funded consistency rule, and Rapid evaluations are one-time with funded trailing based on intraday equity. All initial loss distances are $2,000 USD, but the timing of that calculation differs.

Frequently asked questions

Does passing the evaluation give me a live account?

No. On these paths, passing the evaluation grants a simulated funded account, which is a simulated environment, not live trading. A live stage exists separately at both firms, and moving to it is a distinct step with its own conditions.

Is the $50,000 account my money?

No. The $50,000 is a nominal program size used to set evaluation limits. The simulated funded stages on these three paths start from a zero balance, and any payout you receive is a share of simulated profits under the firm's payout terms.

Which program has the easiest consistency rule?

It depends on the stage. Builder Default has no evaluation consistency rule, Rapid Intraday has no funded consistency rule, and XFA Standard has no funded consistency rule. Topstep's evaluation rule does not fail the account; it raises the profit target when your best day exceeds 55% of total profit.