[2026 Complete Guide] MyFundedFutures Full Review | All 4 Plans Compared, Pricing, Rules, Payouts, and Every Coupon

※ Prop firm rules and pricing change frequently. Always check the MyFundedFutures official site for the latest accurate information. The Flex plan in particular had a terms change in June 2026. (Last updated: July 5, 2026)

⚠️ September 23, 2026 update: the plan lineup and pricing structure have changed. Evaluations bought on or after August 25, 2026 are now one-time purchases (no monthly billing, no activation fee). The plans currently on sale are Builder, Rapid, Rapid EOD, and Pro. Flex was discontinued on August 5, 2026, and Core is also no longer sold. The $50K price (after the CLUB 40% off coupon) is Builder $75, Rapid $125, Rapid EOD $125, and Pro $159. The Core/Flex, monthly-billing, and payout-cap details in the body of this article reflect the situation as of May 2026. The expected value under the current rules is covered in MyFundedFutures expected value.

📢 Advertising / affiliate disclosure: This article is an independent, in-depth review of MyFundedFutures (MFFU). We do not currently hold an affiliate link for MFFU, so links in this article are ordinary links to the official site.

Why MyFundedFutures (MFFU), and why now

MyFundedFutures (MFFU), which has grown rapidly as the "third force" in the futures prop industry, currently holds a 4.9-star Trustpilot rating from 16,767 reviews as of 2026 — one of the best scores in the industry. That beats Apex (4.6 stars) and Topstep, and MFFU also has the rare distinction of having essentially zero reports of stiffing traders on payouts.

On top of that, in July 2025 it made the unique decision among major firms to fully allow algo/EA trading in both Eval and Funded stages, making it a top pick for automated traders too.

This is a complete guide to MFFU, which ranked 3rd in 7 futures prop firms recommended for Japanese traders and 2nd in 7 futures prop firms that allow EAs/automated trading, compared. It covers the details of all four plans, the drawdown mechanics, the payout system, and things Japanese traders should watch for.

Company overview: CEO Matthew Leech and the "MyFundedFX problem"

CEO Matthew Leech is a former trader who started trading stocks and options in 2017.

⚠️ Important: you need to know about the "incident" at sister company MyFundedFX

You can't evaluate MFFU properly without understanding the problems at MyFundedFX (MFF), a sister company also run by Matthew Leech.

• A FX/CFD prop firm launched in 2022 that, between 2024 and 2025, saw a wave of complaints about payout refusals, accounts being stripped over "KYC" reasons, and terms-of-service violations declared after the fact
• Closed in February 2025 → rebranded as SeacrestFunded (stopped accepting former US customers)
• [Update, September 10, 2026] SeacrestFunded itself no longer exists either. We confirmed this ourselves by visiting the sites: seacrestfunded.com now redirects to a parked-domain ad page, and myfundedfx.com redirects to seacrestmarkets.io/closed, a South African CFD broker's site that displays only a notice saying "Seacrest Markets is no longer operating." The operating entity is Seacrest Markets (PTY) Ltd (South Africa, registration number 2023/703336/07, FSCA license FSP 53315). In other words, after three rounds of rebranding — MyFundedFX → SeacrestFunded → Seacrest Markets — the business itself has ultimately shut down.
• This case is also covered as an example in our prop firm scam checklist
• There are reports of harm such as: "requested a payout on a $100K account, got hit with a KYC interview demand the next day, was failed, and had everything confiscated"

Given this history, there are two ways to evaluate MFFU:

1. MFFU is a separate entity from MFX, with its own track record — a 4.9-star Trustpilot rating from 16,767 reviews: MFX's problems shouldn't be pinned directly on MFFU.
2. But it is a fact that the same CEO, running the same management philosophy, has had problems before at another company: you cannot call it "absolutely safe." Overconfidence is a mistake.

MFFU has an outstandingly high 4.9-star Trustpilot rating, and virtually no payout complaints so far, but the sensible approach is to factor in the fact that "this is run by management that has caused trouble before" when you use it.

💡 Hedge your risk: even if you make MFFU your main account, spreading funds across other firms too (e.g. Bulenox) is the golden rule. Don't put everything into one firm.

⚠️ Important: the plan lineup was overhauled in July 2025

Older information online still describes a 3-plan lineup of "Starter / Expert / Milestone," but that was entirely discontinued in the July 2025 overhaul. The current lineup is 4 plans: Core / Rapid / Pro / Flex. Be careful not to reference outdated articles.

💰 Monthly billing vs. one-time purchase: understanding MFFU's pricing structure

MFFU is a "monthly-billed" prop firm, which is fundamentally different from the "one-time, pay-once" model used by FX firms (FTMO/Fintokei).

Basic structure

Phase 1: Evaluation → billed monthly (every month until you pass)
   ↓
Phase 2: Verification → monthly billing continues
   ↓
Phase 3: Live (funded) → no monthly fee! (no activation fee either)

MFFU's biggest advantage is that once you go funded, there's no more billing at all. There's no Activation Fee like Apex/Topstep ($130–$149), and no Option 1/2 choice like Bulenox. It's simple: pass, and the monthly billing stops.

Monthly billing vs. one-time purchase compared

Sample cost calculation (for a $50K Core plan)

Case ①: pass in 1 month, run for 6 months

• Phase 1 (Eval + Verification): $77 × 1 = $77
• Phase 2 (Funded): $0 (no monthly fee)
• Total: $77

Case ②: pass in 3 months, run for 12 months

• Phase 1: $77 × 3 = $231
• Phase 2: $0
• Total: $231

Case ③: Flex plan with the STEADY coupon at $49/month, pass in 2 months

• Phase 1: $49 × 2 = $98
• Phase 2: $0
• Total: $98 (among the cheapest in the industry)

Why MFFU's monthly billing is "especially good value"

• No activation fee: zero extra charge like Apex/Topstep
• Zero ongoing cost after going funded: after passing, it's purely trading
• Stack a coupon for a cheap start: 40% off with SAVE40, or $49 with STEADY (Flex only)

Things to watch out for

• If you fail Eval, you'll be billed the same monthly fee again next month (it's not a reset purchase)
• Stop paying = account suspended: think carefully about when you cancel
• The Verification phase is also billed monthly: "passing Eval" does not mean the monthly billing stops yet

💡 The typical MFFU user's route is to step up from "Flex ($49) → Core ($77) → Pro/Rapid depending on your goal."

Full comparison of the 4 plans (2026 version)

Note: a "winning day" is any day where net P&L for that day ended positive.

🔍 Flex plan (built around a $25K entry)

For those who want to try a futures prop firm with minimal capital. It's $25K accounts only, but comes with top-tier terms — 90/10 split, no daily loss limit, no activation fee.

• Price: $107/month standard → $49/month with the STEADY coupon (46% off)
• Payout requirement: 5 winning days (net P&L ≥ $150 each day)
• Payout: 50% of profit per payout, $5,000 cap
• Move to live: 5 consecutive payouts achieved (same account)

Ideal as a low-cost entry point for anyone who wants to "just try it out" or "get a taste of futures prop with a small budget." It beats Apex's $25K on terms.

🥇 Core plan (the best value entry-level plan)

An industry-cheap $77/month for a $50K account. It uses EOD (End-of-Day) drawdown, so floating losses don't kill the account outright, which is a big reassurance.

• Price: $77/month ($50K fixed size)
• DD: EOD trailing
• Split: 80/20
• Consistency rule: 40% (important — see below)
• Payout: every 5 winning days, $5,000 cap

This is the plan that most Japanese traders start with. It has a good balance of price, difficulty, and ease of withdrawal.

⚡ Rapid plan (aggressive 90/10, built for scalpers)

One of the industry's best 90/10 splits, plus a high $11,250 payout cap. However, it comes with an aggressive risk setup: 4% intraday trailing DD.

• Price: roughly $129+ ($50K) / $199+ ($100K) / $249+ ($150K)
• DD: intraday 4% trailing (calculated in real time, including floating profit)
• Split: 90/10
• Consistency rule: none when funded (applies during Eval)
• Payout: every 5 winning days, $11,250 cap

The go-to plan for scalpers and short-term traders. With a 90/10 split and a high payout cap, it's ideal "for people who want to scale up big after passing." However, it carries the risk of instant failure from a floating loss, so it's meant for people who can strictly stick to stop losses.

💎 Pro plan (the top-tier plan for swing/stable trading)

The most expensive at $229+, but it offers an automatic payout every 14 days with no consistency rule — an ideal setup for stable, steady traders.

• Price: roughly $229+ ($50K) / $329+ ($100K) / $429+ ($150K)
• DD: EOD
• Split: 80/20
• Consistency rule: none
• Payout: every 14 calendar days (no winning-day requirement)

This is the best fit for swing/carry-oriented, long-term holding strategies. With its "automatic payout every 14 days" style, which neither Apex nor Topstep offers, it's the easiest plan for salaried side-traders to handle.

EOD vs. intraday: understanding drawdown correctly

🔰 What is drawdown (DD) in the first place?

Drawdown = the line at which "lose this much more and the account is confiscated." Since a prop firm is effectively lending you its own capital, it sets a line — "lose this much and you're out" — so traders can't blow through too much of it.

For example, on a $50K account with a $2,500 DD cap, if the balance drops from $50,000 to below $47,500, the account is force-closed. Once you breach it, the account is gone.

The biggest point of confusion for beginners is that the "calculation method" for this DD differs by plan.

In simple terms:

• EOD: judged by "P&L at that day's closing price" — no matter how deep the floating loss gets during the day, you're safe if you recover it by the close. Beginner-friendly.
• Intraday: judged by "P&L at this exact moment" — if you take a floating profit and then it pulls back, the DD trails from the highest point reached. Same as the Apex approach — stricter.

💡 The rule of thumb: beginners should start with the EOD plans (Core/Pro/Flex). Rapid is tempting for its 90/10 split and $11,250 cap, but the risk of instant failure from floating losses gets people knocked out easily.

The single most important thing across all MFFU plans is the drawdown method. Core/Pro/Flex use EOD; only Rapid uses intraday 4% trailing.

EOD (End-of-Day) trailing

• Only the equity at that day's close (5pm EST) counts toward the DD calculation
• Floating losses are ignored until the next trading day begins
• The account doesn't blow up from a temporary intraday floating loss — much easier mentally
• Far more forgiving than Apex's intraday trailing method

Intraday trailing (Rapid only)

• Equity updates in real time, including floating profit
• If you take a floating profit and then it drops back, the DD trails from the highest point reached
• With scalping, you have to be conscious of your "maximum floating profit" or you'll get caught out
• Similar to Apex's DD method

💡 The rule of thumb: beginners should start with Core / Flex / Pro (the EOD plans). Rapid is tempting for its 90/10 split and $11,250 cap, but a beginner who jumps straight in can easily get knocked out when a floating profit turns into a floating loss.

Using the consistency rule (40%) correctly

We're explaining this because a lot of people wash out without understanding the 40% consistency rule that applies to the Core plan once funded.

How the rule actually works

• "A single session cannot exceed 40% of your cumulative profit for the payout cycle."
• Example: $1,200 cumulative profit since the last payout → today's session cap is $480 (= $1,200 × 40%)
• Exceeding it does not freeze the account. The excess is simply carried over to the next cycle

Common misunderstandings

• ❌ "Go over 40% and your account gets banned" → NO, it just carries over to the next cycle
• ❌ "You have to keep each day under 40%" → NO, it's a percentage of cumulative profit
• ⭕ A big winning day just means that portion of your payout gets pushed back, nothing more

Workarounds

• Move to Rapid or Pro (both have no consistency rule once funded)
• If sticking with Core, tune your style toward "small, steady daily profits"

Payout system in detail

"Winning day" requirement

• Flex/Core/Rapid: can request a payout once you've hit 5 winning days
• Pro: every 14 calendar days (no winning-day requirement)

Payout cap

• Flex: 50% of profit, $5,000 cap
• Core: $5,000
• Rapid: $11,250
• Pro: calendar-based (effectively no cap)

Split

• The first payout is 100% (for a certain period)
• Normally Core/Pro: 80%, Rapid/Flex: 90%
• No activation fee (zero extra charge after passing)

Payout speed

• Usually within 2 business days
• USD bank transfer (recommend preparing a foreign-currency account such as Wise/Revolut)

Supported platforms (works with almost everything via Rithmic)

One of MFFU's biggest strengths is that nearly every major platform works via a Rithmic connection.

The freedom to keep using tools you're already familiar with is best in class. This is the polar opposite of Topstep's philosophy (forced onto TopstepX).

EA / automated trading policy (fully opened up in July 2025)

In its July 2025 policy update, MFFU explicitly permitted "full algo/EA trading in both Eval and Funded." This is rare among major prop firms.

What's allowed

• ⭕ EAs / automated trading bots (even on funded accounts)
• ⭕ Self-copy trading (running the same EA across multiple accounts you own)
• ⭕ TradingView webhook → automated execution
• ⭕ Bots based on NinjaTrader's Strategy Builder

What's prohibited

• ❌ HFT (High-Frequency Trading)
• ❌ Hedging (holding both sides of the same instrument)
• ❌ Copy-trade EAs built specifically to pass the challenge

See also 7 futures prop firms that allow EAs/automated trading, compared for more detail.

News and trading hours rules

MFFU does not restrict news trading, but it explicitly puts the responsibility on the trader.

• You are responsible for monitoring major indicators yourself, such as the weekly EIA report (every Wednesday at 10:30 EST)
• On half-day holiday closes, there's no automatic stop-out — you're responsible for closing your own positions
• Check the CME holiday calendar in advance on the official FAQ

⚠️ Japanese traders should note that during the night session (starting 7:00 AM EST = 9:00 PM JST Japan time), there are times when spreads widen. Be careful running a bot during thin-liquidity hours.

MFFU vs. Apex vs. Topstep (direct comparison)

"MFFU is #1 for overall balance" is the industry consensus as of 2026.

Weaknesses / things to watch for

① The 80/20 split is lower than Topstep/Tradeify's

Core/Pro use an 80/20 split. On $10,000 of profit, MFFU keeps $2,000 — worse than Topstep/Tradeify's 90/10. Choose Rapid or Flex if you want to maximize your split.

② A two-step structure (Eval → Verification → Live)

You have to go through "Eval → Verification" — two stages — before going fully funded. That's slower to reach full funding than one-step firms like Apex/Tradeify.

③ Rapid's intraday 4% is tough

A lot of beginners pick Rapid for the 90/10 split and high cap, but it's easy to breach the DD after taking a floating profit and then losing it. You need Apex-level risk management.

④ No Japanese-language support

English only. Auto-translation gets you by, but complex questions need to be written in English.

5 tips Japanese users should keep in mind

① Prepare a USD-capable account like Wise/Revolut for deposits

Bank transfers usually take 2 business days. You can send directly from a major Japanese bank too, but going through Wise is cheaper in fees and arrives faster.

② The Pro plan's bi-weekly payout pairs best with "side income" trading

Pro pays out automatically every 14 days, so it's ideal for salaried traders running this as a side gig. No need to keep track of the "5 winning days" count like on Core/Rapid.

③ Make full use of coupons

Buying at the standard price is a loss. Use the full list of coupons below. SAVE40 is the most broadly usable, and STEADY (Flex only) is especially strong.

④ Tax treatment is miscellaneous income (aggregate taxation)

For Japanese residents, futures prop income is often treated as miscellaneous income (aggregate taxation) — the same treatment as FX prop income — and filing a tax return is mandatory. See Prop firm tax guide 2026 for details.

⑤ Stay away from sister company MyFundedFX (→ SeacrestFunded)

MyFundedFX, run by the same Matthew Leech, closed in February 2025 and rebranded as SeacrestFunded, and it had numerous payout-trouble reports. And as of September 10, 2026, that rebrand has also disappeared (myfundedfx.com now redirects to a notice page reading "Seacrest Markets is no longer operating," and seacrestfunded.com redirects to a parked domain). It's a textbook case of a business changing its name repeatedly before ultimately shutting down — take it as a lesson that rebranding is not the same as solving the problem. If you want to use an FX prop firm, pick a different company such as FTMO, Fintokei, or Funded7. See also our prop firm scam checklist.

Full list of coupon codes (as of May 2026)

⚠️ Coupons tend to be time-limited, so always check the discount amount at checkout. MFFU does not allow stacking codes (only one code applies even if you enter multiple).

Conclusion: who is MFFU best for?

MFFU is the clear pick if you...

• Want to keep running EAs/automated trading even on a funded account
• Want to keep using your existing NinjaTrader / Tradovate / TradingView setup
• Want to minimize running costs with no activation fee
• Prioritize trustworthiness, and value the Trustpilot rating highly

Another firm might suit you better if you...

• Care most about a 90/10 split → Topstep / Tradeify
• Just want to try an Eval as cheaply as possible → Apex (90% off coupon)
• Want the fastest payouts in the industry, 15 minutes → Lucid Trading
• Want fully automated trading plus a firm with a longer track record → Bulenox (the only established firm that officially states full EA trading is allowed in futures prop)

If you're not sure: entry points by plan

• First time trying futures prop → Flex ($49 with STEADY)
• Getting serious → Core ($77)
• Scalper / short-term trader → Rapid (90/10, $11,250 cap)
• Swing / stable trader → Pro (bi-weekly payout)

👉 MyFundedFutures official site

Related articles:

• 7 futures prop firms recommended for Japanese traders — overall comparison
• 7 futures prop firms that allow EAs/automated trading, compared — an EA-trading perspective
• Prop firm tax guide 2026 — how to file your taxes