Plain-English guide to MFFU in 2026: three plans with very different mechanics, how the EOD vs intraday trail works on each, the SB+$100 lock point, the 40% Core consistency rule, payouts every 5 days, and the gotcha most traders miss — there's no daily loss limit, so the trail is your only floor.
MyFundedFutures sells three distinct plan tracks. Pick one before you pay — the trail type, consistency rule, and account-size options are all locked at purchase:
Deep dive → Apex 4.0: EOD vs Intraday trailing drawdown explained (2026) — the Core-vs-Rapid choice you're staring at on MFFU is the same EOD-vs-intraday math Apex 4.0 forces at purchase. The explainer breaks down exactly how each trail type behaves on a runner that gives back, why intraday punishes unrealized highs even on a flat day, and which trading styles each shape rewards. Worth reading before you pick a plan that locks the trail-type for the lifetime of the account.
Deep dive → MFFU vs Take Profit Trader 2026: three plans you pick vs three phases the firm picks — MFFU sells three rule shapes (Core EOD + 40% consistency, Rapid intraday + no consistency, Pro instant funding + EOD) in parallel at signup — the trader picks which shape, can hold all three accounts simultaneously, and the choice is locked per-account once paid. TPT runs three rule shapes (Test EOD, PRO intraday, PRO+ EOD) in series with firm-imposed trail-type shifts at each phase boundary — no opt-out, no skip, no choice. Same number of rule shapes, opposite decision source. Worked examples of which signup-fork shape rewards your trading style, plus why "the plan is the choice" on MFFU is the exact inverse of "the firm imposes the phase" on TPT.
Core is MFFU's headline product: a single 50K plan with end-of-day trail and a 40% consistency rule that applies to both evaluation and funded payouts. This is strict by design — Core is meant for traders who want a serious risk-managed track.
| Account | Starting Balance | Profit Target | Trailing Drawdown | Daily Loss Limit |
|---|---|---|---|---|
| Core 50K | $50,000 | $3,000 | $1,500 | None |
Heads up: Core has no daily loss limit. The only floor is the trailing drawdown — if it gets within $1,500 of your balance, that's the entire risk envelope for the day. Many traders underestimate this on Core because they're used to firms with a DLL backstop.
Rapid is for traders who want the simplest payout path: no consistency rule on the funded side, intraday trail (you know exactly when the high-water mark moves), and three account sizes to scale into.
| Account | Starting Balance | Profit Target | Trailing Drawdown | Daily Loss Limit |
|---|---|---|---|---|
| Rapid 50K | $50,000 | $3,000 | $2,000 | None |
| Rapid 100K | $100,000 | $6,000 | $4,000 | None |
| Rapid 150K | $150,000 | $9,000 | $6,000 | None |
Trade-off: Rapid's intraday trail means every favorable tick on an open position pushes the trail up — same trap as Topstep's Combine. You get freedom from the consistency rule, but you pay for it by needing to take profits cleanly without giving back unrealized gains.
Pro skips the evaluation entirely: pay the (higher) fee, get funded immediately. The trade-off is a $100,000 total payout cap across all your Pro accounts combined — once you've withdrawn that lifetime amount from Pro, you'd need a fresh plan to keep going.
Pro uses EOD trailing drawdown across all sizes. Exact Pro target and drawdown numbers vary by size and are sometimes adjusted — confirm on MFFU's current Pro page before purchase.
Deep dive → Bulenox vs MyFundedFutures 2026: same lock, opposite flavor freedom — Bulenox shares your SB+$100 lock floor (50K stops at $50,100 on both firms) but forces a permanent Option 1 vs Option 2 binary at signup that cannot be switched for the account's lifetime — the opposite of the Core / Rapid / Pro plan-portability you've just read about. Bulenox Option 2 also adds a daily loss limit; MFFU has zero DLL on any plan. Worked examples of which decision-mode wins for which trader pattern, plus the 40%-vs-40% consistency-scope inversion (Bulenox eval-permissive / funded-strict vs MFFU Core eval-strict / funded-predictable).
The trailing drawdown is a moving floor under your balance that starts at Starting Balance − Trailing Drawdown and follows your high-water mark (HWM) upward, never down. Hit it and the account is breached. The big difference between MFFU plans is what counts as the high-water mark:
The HWM is calculated once at session close based on your closing balance. Intraday spikes — a winner that runs $1,000 then gives it all back — don't move the trail. You still can't go below the current trail mid-session (it's enforced in real time), but the trail itself only updates daily.
The HWM updates tick-by-tick on unrealized P&L. If you let a winner run +$1,500 on Rapid 100K then it pulls back to +$200, the trail still moved up by $1,500 — so you're now $1,500 closer to the lock point but only realized $200. This is the same trap that catches Topstep Combine traders.
Deep dive → MFFU vs Tradeify 2026: bundle vs isolate — both firms share the SB+$100 lock floor, but MFFU couples trail type AND consistency together per plan (pick Core = EOD + 40%, pick Rapid = intraday + no rule) while Tradeify keeps EOD trail uniform across every program and forks only on the consistency archetype (Growth = eval-free / funded 35%, Select = eval 40% / funded-free, Lightning = progressive 20→25→30%). Worked examples of which signup-fork shape rewards your trading style — and the platform-support trap (Tradeify has no NinjaTrader / TradingView).
Once your balance reaches Starting Balance + $100, the trailing drawdown stops following your HWM and becomes a fixed floor at Starting Balance + $100 − Trailing Drawdown. This is the same lock pattern as Apex 4.0 — and noticeably more generous than Topstep, which locks at exactly the Starting Balance with no buffer.
On a 100K MFFU Rapid that's:
The $100 isn't huge, but it's not nothing — it means you only need to clear breakeven by $100 to permanently restore your full drawdown buffer. On Core 50K that's $50,100 to lock at a $48,600 floor.
Deep dive → Apex vs MyFundedFutures 2026: the SB+$100 lock head-to-head — both firms freeze the trail at Starting Balance + $100, but the rest of the rule stack (consistency %, DLL, payout cadence, plan tiers) diverges sharply. Worked examples of where MFFU's no-DLL Core feels freer, where Apex 4.0's 30% consistency bites first, and which firm to pick if you only had one shot.
MFFU Core uses a 40% consistency rule on payouts: no single day's net profit can be more than 40% of your total profit on the payout. If your "best day" exceeds 40% of the total, you can't withdraw until enough additional trading days re-balance the ratio.
The maximum profit you can take on a single day without breaking the rule:
Max day P&L = 40% × Total Profit ÷ (1 − 40%) or equivalently 0.667 × current Total
So on a $3,000 cumulative payable profit, the safe single-day ceiling is $2,000. MFFU Core is stricter than Topstep (50%) but more lenient than Apex (30%).
Important: Rapid and Pro do not have a consistency rule on funded payouts — that's a meaningful feature of those plans. If you're picking between Core and Rapid and you tend to have one big day per week, Rapid removes that friction entirely.
Deep dive → MFFU vs Earn2Trade 2026: skip the eval entirely vs stay on LiveSim forever — Earn2Trade is the other cluster firm that fully releases the consistency rule on funded, but reached oppositely: 30% binds during the eval, then drops the moment you pass, and 94.77% of 2025 passers stayed on LiveSim funded indefinitely rather than convert to Live. MFFU Pro skips the eval entirely (instant-funded sim account, no eval-gate to fail, $100K total payout cap across all Pro accounts). Same "permanent simulated-funded, no consistency" outcome — opposite mechanic (skip vs grind). Worked examples of which trader profile each shortcut rewards, plus the lock-family delta ($50,100 MFFU SB+$100 vs $50,000 Earn2Trade SB-exact).
No login, no email — just punch in your numbers:
See where your MFFU drawdown line is right now, headroom remaining, and how far you are from the SB+$100 lock — handles both intraday (Rapid) and EOD (Core/Pro) trail mechanics.
Open calculator →Check your 40% MFFU Core consistency ratio in seconds. Tells you the largest day P&L allowed and the extra profit needed to safely cash a big day.
Open calculator →MFFU Core and Rapid presets built in (SB+$100 lock floor; Core has no DLL backstop). Punch in your stop in ticks and risk per trade — get max contracts, % of account, and how many losses in a row blow the account.
Open calculator →30+ futures contracts preloaded. Entry / exit / stop → ticks moved, gross + net P&L, $ risk, R-multiple. Cross-check your MFFU statement after the trade.
Open calculator →Aurafy is a futures trading journal built for prop-firm traders. It auto-tracks your trailing drawdown, lock distance, and consistency ratio in real time on MFFU and other major firms — plus screen-records your sessions so you can replay your mistakes.
Free tier: last 30 days of trades, 1 account, 3 playbooks, no credit card. First 50 founders lock in $19/mo for life.
See Aurafy Start freeNo. As of 2026, no MFFU plan (Core, Rapid, or Pro) has a daily loss limit. The trailing drawdown is your only intraday floor — that's a significant difference from Topstep and Apex EOD accounts, both of which add a DLL on top of the trail.
Core is EOD-trail with a 40% consistency rule and only one size (50K). Rapid is intraday-trail with no consistency rule and three sizes (50K/100K/150K). If you can take profits cleanly on intraday positions, Rapid gives you more freedom; if you let winners breathe, Core's EOD trail is kinder.
The total lifetime payouts you can take across all your MFFU Pro accounts combined is capped at $100,000. Once you've withdrawn that much from Pro, you'd need a different plan (Core or Rapid) to continue. Core and Rapid have no equivalent cap.
Once your balance reaches Starting Balance + $100, the trail freezes and becomes a static floor at Starting Balance + $100 minus your trailing drawdown. This is the same lock pattern as Apex 4.0 — and noticeably more generous than Topstep, which locks at exactly the Starting Balance.
MFFU pays out every 5 days, with the first payout available 48 hours after you hit the eligibility threshold. The split starts at 80% and scales to 90% as you progress.
MFFU locks at SB+$100 (same as Apex, more generous than Topstep's SB exactly). MFFU has no DLL on any plan (Apex EOD has one; Topstep always does). MFFU's consistency rule only applies to Core at 40% (Apex 30%, Topstep 50%). MFFU is the only major firm with a true instant-funding plan (Pro).
Compared to TPT: opposite lock family (TPT locks at SB exact, no buffer), and TPT's trail shifts mechanic by phase while MFFU's trail type is fixed by the plan you choose at signup (Core EOD / Rapid intraday / Pro EOD). Compared to Tradeify: same SB+$100 lock family, but Tradeify isolates consistency-rule scope per program (Growth funded-35% / Select eval-40%) while MFFU bundles trail + consistency together in the plan-pick — one decision locks both. Compared to Bulenox: same SB+$100 lock family and same 40% consistency threshold (Bulenox Master + Funded), but Bulenox forces a permanent Option 1 vs Option 2 trail-choice signup lock with no equivalent fork in MFFU's plan system. Compared to Earn2Trade: opposite lock family (Earn2Trade locks at SB exact), and Earn2Trade keeps passers on LiveSim by default while MFFU funded accounts are live exchange-routed from day one.
Compare side-by-side → All 21 prop-firm head-to-heads in one matrix — MFFU sits in the SB+$100 lock family with Apex, Bulenox, and Tradeify; the matrix groups every pairing by lock family so you can see which decisions are calibration vs which are bigger structural picks.