The short version
MyFundedFutures (MFFU) is a US futures prop firm whose rules differ in two ways that trip up traders coming from forex challenges: its drawdown is measured end-of-day rather than on intraday equity peaks, and it uses a profit-distribution “consistency” rule that does not fail you for breaking it. Here is the picture, sourced from the firm’s own Help Center.
- The core plans use a Max End-of-Day (EOD) trailing drawdown of 3% of the starting balance, in place of a separate daily loss limit (Max EOD Trailing).
- That drawdown stops trailing and locks once you reach $100 above your initial starting balance — for example $52,100 on a $50K account.
- The consistency rule is 50%, but exceeding it does not breach the account; you simply trade more days (Consistency Rule).
- Minimum trading days during the evaluation is 2 (Evaluation Parameters).
For how futures firms differ from forex firms generally, see futures prop firms explained. For the firm’s profile and our scoring, see MyFundedFutures and our methodology.
How MyFundedFutures works: evaluation to funded
The structure is the familiar two-stage prop model: pass a one-step evaluation on a simulated account, then move to a funded (simulated) account where you earn a share of the profits. MFFU’s How It Works page describes the flow, and the detailed parameters live in the Help Center.
What you are buying is an evaluation and a profit-share contract on simulated capital — the same legal framing common across the industry. We cover what that means for protection and risk in funded vs simulated capital. It is worth understanding before you treat any payout as guaranteed income.
The End-of-Day trailing drawdown model
This is the single most important rule to internalize. On the core evaluation plans, MFFU applies a Max EOD trailing drawdown set at 3% of the starting balance (Max EOD Trailing). On a $50K account that 3% is $1,500.
The word that matters is “End-of-Day.” The drawdown threshold only re-anchors after the market closes, based on your end-of-day balance — not on the highest equity you touched intraday. So if your account spikes up mid-session and then gives the profit back before the close, the threshold does not move up with that spike. This is materially friendlier than a pure intraday trailing model, where every new equity high drags the stop-out level up behind you. The difference between these two models is the whole subject of trailing vs static drawdown.
One caveat that catches people: open and unrealized losses are still counted live against the threshold (Max EOD Trailing). The end-of-day timing applies to how the threshold trails upward — it does not give you a free pass intraday. An open position that pushes your equity below the drawdown line can fail the account immediately, before any close. Treat the threshold as a live floor you cannot breach even momentarily.
How the drawdown locks in (and when it stops trailing)
The EOD drawdown does not trail forever. Once your end-of-day balance reaches $100 above the initial starting balance, the drawdown stops trailing and locks at that level (Max EOD Trailing). After that point your minimum-balance floor is fixed.
| Account size | Drawdown (3%) | Trailing locks at |
|---|---|---|
| $50K | $1,500 | $52,100 |
| $100K | $3,000 | $103,100 |
| $150K | $4,500 | $154,600 |
Source: official Max EOD Trailing article. The practical takeaway: early in the account the floor moves up with your profits, but once you are roughly $2,100 / $3,100 / $4,600 into profit (target plus the $100 lock buffer), the floor freezes and you get a fixed cushion to work with.
Profit targets and account sizes
MFFU offers account sizes commonly listed at $50K, $100K, and $150K, with the Rapid plan also listing a $25K option. Profit targets scale with size — roughly $3,000 on a $50K account up to about $9,000 on a $150K account.
| Account size | Profit target (approx.) | Min trading days |
|---|---|---|
| $50K | $3,000 | 2 |
| $100K | $6,000 | 2 |
| $150K | $9,000 | 2 |
The minimum trading days figure of 2 comes from the official Evaluation Parameters article. The exact targets and current SKUs vary by plan and change over time — the figures above are industry-corroborated and should be confirmed against the live Rapid and Pro plan pages before purchase.
Minimum trading days and the evaluation timeline
The evaluation requires a minimum of 2 trading days (Evaluation Parameters). There is no maximum-days time limit on the core evaluation, which is one of MFFU’s more flexible features — you can take the time you need to hit the target without a 30-day clock forcing trades. The constraint that does the real shaping of your timeline is the consistency rule, covered next.
The 50% consistency rule and how it affects payouts
MFFU applies a 50% consistency rule: no single day’s profit may exceed 50% of your total evaluation profits (Consistency Rule). On a $50K account with a $3,000 target, that caps any single day at $1,500 of counted profit.
The crucial detail — and where MFFU differs from firms that hard-fail you — is that exceeding the 50% threshold does not breach the account. If one big day skews your distribution, you are not disqualified; you simply trade additional days until the spread of your profits satisfies the 50% requirement (Consistency Rule). The rule therefore shapes your timeline and your first payout rather than ending your account.
One exception worth noting: the Pro Plan one-day-pass option has no consistency rule (Consistency Rule). For the general logic of why prop firms impose distribution rules at all, see consistency rule explained.
Rapid vs Core vs Pro: the key rule differences
The plans share the evaluation idea but differ on the rules that matter most.
| Feature | Core | Rapid | Pro |
|---|---|---|---|
| Drawdown model | EOD trailing (3%) | Intraday trailing (4%) | EOD trailing (3%) |
| Consistency rule | 50% | 50% | 50% (none on one-day-pass) |
| Account sizes | $50K | $25K / $50K / $100K / $150K | $50K / $100K / $150K |
| Profit split (funded) | 80/20 | 90/10 | 80/20 |
The standout difference is the drawdown model. The Rapid plan uses a 4% intraday trailing drawdown calculated on real-time equity including unrealized profit — distinct from the EOD model on Core and Pro. That makes Rapid behave more like a classic intraday trailing account, where every new equity high pulls the floor up. The 4% Rapid figure and the SKU lists are corroborated by industry reviews; confirm the exact current numbers on the official Rapid and Pro pages, since plan terms change.
For where these rule sets sit in the broader landscape of one-step, two-step, and instant models, see one-step vs two-step vs instant funding.
Profit splits, payout cycles, and minimum withdrawal
The official How It Works page states an 80% profit split on funded accounts, which applies to Core and Pro (80/20). The Rapid plan is reported to pay a 90/10 split — a change reportedly made in January 2026 from a prior 80/10 — so confirm the current Rapid split on its plan page.
On withdrawals, the minimum is reported at $250. Rapid is reported to offer a daily / 24-hour payout cadence once the required profit buffer is built, while other plans use a five-winning-day or 14-day cycle. Payout cadence and caps change often across the industry, so verify the current terms with the official source before relying on them. For why this category deserves scrutiny, see prop firm payout transparency.
Tax treatment for US-based funded traders
This section is about US federal tax and is not tax advice — confirm your own situation with a CPA.
For US-based traders, prop-firm payouts are generally treated as ordinary income. Firms typically issue a Form 1099-NEC when payouts reach $600 or more in a year, and net self-employment earnings of $400 or more are subject to the 15.3% self-employment tax — 12.4% for Social Security plus 2.9% for Medicare (IRS Self-Employment Tax). That self-employment layer sits on top of ordinary income tax and is the part new funded traders most often overlook.
Some practitioners argue that futures-based payouts may qualify for Section 1256 60/40 treatment, reported on Form 6781, which can be more favorable. But that treatment is fact-specific and depends on the exact nature of the arrangement; it is contested rather than settled (Barchart — Tax Implications for Funded Traders). Do not assume it applies to you. For a fuller US treatment, see prop firm tax (USA).
Common mistakes that breach a MyFundedFutures account
- Treating the EOD timing as an intraday safety net. The threshold trails upward end-of-day, but unrealized losses are counted live — an open trade can still breach you mid-session.
- Forgetting the drawdown trails up early. Before it locks at $100 above the start, banking profit raises your floor; a normal pullback can then breach a level that did not exist that morning.
- Misreading the consistency rule as a hard fail. It is not — but a single oversized day delays your payout until you balance the distribution.
- Mixing up plan rules. Rapid is intraday-trailing at 4%; Core and Pro are EOD-trailing at 3%. Strategies tuned for one can breach the other.
Bottom line
MyFundedFutures is one of the more transparent futures firms about its parameters, and the rules are workable once you understand two things: the drawdown is end-of-day trailing (friendlier than intraday, but unrealized losses still count live), and the consistency rule shapes your timeline rather than failing you. Read the live plan pages before buying, because splits, SKUs, and payout cadence move. This article is informational and is not investment advice.
If you want to compare MFFU directly against the largest US futures competitor, see our Apex Trader Funding and Topstep profiles. We update this page as the firm’s published rules change; if you cite it, please link back to PROP NAVI as the source.
Recommended firms
MyFundedFutures is a futures specialist; we do not run an affiliate placement for it, so the link above goes to our internal profile. For traders weighing forex/CFD or hybrid alternatives, two firms clear our highest track-record bar (see methodology).
FTMO — the largest operator’s track record
In operation since 2015, with industry-leading published cumulative payouts maintained through the 2024 shakeout. A forex/CFD-focused alternative for traders who want a long survival record.
Fintokei — for traders who want a regulated-broker backbone
A prop firm operating with a Japan/EU footprint, useful for traders who prefer a more conventional brokerage backing.