My Funded Futures Rules: Rapid, Builder, Flex & Pro
16 min read
Understanding My Funded Futures rules before you start trading can save you from a blown account and a wasted evaluation fee. Most traders who fail at MFF don't lose because their strategy is bad. They lose because they tripped a rule they didn't fully understand, whether that's the trailing drawdown, the consistency requirement, or a news restriction they forgot about.
This guide breaks down every rule that matters across all four current MFF plans so you know exactly what you're signing up for.
How the My Funded Futures Evaluation Works
My Funded Futures (also called MFF or MFFU) uses a single-phase evaluation with no time limit. You pay a monthly subscription that renews until you pass or cancel. Pick an account size, hit the profit target while staying within drawdown limits, and you move on to a sim-funded account.
MFF offers four plan types: Rapid, Builder, Flex, and Pro. Rapid, Flex, and Pro share the same profit targets, max loss limits, and 50% consistency rule at each account size, and all require a minimum of 2 trading days to pass. Contract limits differ by plan, and the 50K Flex offers an optional daily loss limit add-on at checkout. Builder, MFF's newest plan, shares the same profit target and drawdown but has a $1,000 daily loss limit (soft pause), no consistency rule, and can be passed in 1 trading day. T1 news trading is allowed during all evaluations.
Here's how the evaluation parameters break down by plan.
MFF Rapid Plan
Rapid offers the fastest payouts, available daily, and the highest profit split at 90/10.
Account Size | Profit Target | Max Loss (EOD) | Max Contracts | Consistency | Min Days |
|---|---|---|---|---|---|
25K | $1,500 | $1,000 | 3 mini / 30 micro | 50% | 2 |
50K | $3,000 | $2,000 | 5 mini / 50 micro | 50% | 2 |
100K | $6,000 | $3,000 | 10 mini / 100 micro | 50% | 2 |
150K | $9,000 | $4,500 | 15 mini / 150 micro | 50% | 2 |
MFF Builder Plan
Builder is the most beginner-friendly plan, with one minimum trading day, no consistency rule, and a built-in $1,000 daily loss limit.
Account Size | Profit Target | Max Loss (EOD) | Max Contracts | Daily Loss Limit | Min Days |
|---|---|---|---|---|---|
50K | $3,000 | $2,000 or $1,500 | 4 mini / 40 micro | $1,000 (soft pause) | 1 |
Builder offers two max loss options at checkout: $2,000 (default) or $1,500 (lower price). The max loss you choose carries through to your sim-funded and live stages.
MFF Flex Plan
Flex is the most accessible entry point, offered in 25K and 50K only, with contract limits that scale up as your balance grows.
Account Size | Profit Target | Max Loss (EOD) | Max Contracts | Consistency | Min Days |
|---|---|---|---|---|---|
25K | $1,500 | $1,000 | 2 mini / 20 micro | 50% | 2 |
50K | $3,000 | $2,000 | 3 mini / 30 micro | 50% | 2 |
The 50K Flex offers an optional daily loss limit add-on at checkout. It adds a $1,000 intraday soft pause that applies in both the evaluation and sim-funded stages. If intraday losses reach $1,000, trading pauses for the rest of the session but the account is not breached. The 25K Flex has no daily loss limit.
MFF Pro Plan
Pro is built for the highest payout potential, with a $100,000 maximum payout per user and a 14-day payout cycle.
Account Size | Profit Target | Max Loss (EOD) | Max Contracts | Consistency | Min Days |
|---|---|---|---|---|---|
50K | $3,000 | $2,000 | 3 mini / 30 micro | 50% | 2 |
100K | $6,000 | $3,000 | 6 mini / 60 micro | 50% | 2 |
150K | $9,000 | $4,500 | 9 mini / 90 micro | 50% | 2 |
Across the four plans, notice the contract differences at the 50K size: Rapid allows 5 minis, Builder allows 4, and Pro and Flex allow 3.
At checkout you pick your platform. The Tradovate connection covers Tradovate, NinjaTrader, and TradingView, and Quantower is also available.
A reset is manual. You trigger it to restore the account to its starting balance, which clears your progress, costs a fee, and doesn't change your billing date. A renewal is automatic every 30 days and keeps your progress, unless you're breached when it bills, in which case it reactivates the account and resets you to the starting balance. Your first renewal also includes a reset credit, as long as you aren't breached at that point.
My Funded Futures Drawdown Explained
The drawdown rule is the single most common reason accounts fail at MFF. Getting this wrong once ends your evaluation or funded account instantly.
All MFF evaluations use End-of-Day (EOD) trailing drawdown. This is also the drawdown type on Builder, Flex, and Pro sim-funded accounts. Here's how it works:
EOD trailing drawdown (Builder, Flex, and Pro)
MFF uses a Max EOD (End of Day) trailing drawdown. The drawdown amount varies by account size and is shown in the evaluation tables above. The trailing drawdown locks at $100 plus the initial starting balance.
In practice, "end of day" means your drawdown floor updates based on where your account closes each session, not where it peaked intraday. So if your equity swings up $1,000 during the day but you close flat, the floor doesn't move. That gives you room to let trades work without the drawdown tightening against you mid-session.
The trailing stops once your end-of-day balance reaches a specific threshold. On a 50K account, that lock point is your starting balance plus $100 ($50,100). At that point, your drawdown floor is fixed forever, even if you grow the account to $60,000 or more.
Here are examples of lock points by account size:
50K accounts: drawdown locks once EOD balance hits $52,100, floor becomes $50,100
100K accounts: locks at $103,100, floor becomes $100,100
150K accounts: locks at $154,600, floor becomes $150,100
Note: Rapid sim-funded accounts switch to intraday trailing drawdown, which works differently. That's covered in the sim-funded rules section below.
Open equity counts
This is the part that catches people off guard. Open (unrealized) losses are included in the drawdown calculation. If your floating P&L pushes your account below the minimum balance, even for a moment, your account is breached. You don't need to close the trade for it to count against you.
My Funded Futures Consistency Rule
Every MFF evaluation (except Builder) carries a 50% consistency rule. No single trading day's profit can exceed 50% of your total evaluation profits. Builder has no consistency rule during evaluation and can be passed in as few as 1 trading day.
Here's a simple example. Your profit target on a 50K account is $3,000. You have a great Day 1 and make $2,000. That's 67% of $3,000. You haven't breached your account, but you can't pass yet. You need to keep trading until that $2,000 day represents 50% or less of your total profits. That means accumulating at least $2,000 more on other days.
The 50% threshold doesn't blow your account if you exceed it. You just need more days to bring your ratio back into compliance. MFF even provides a consistency calculator on their help center to check where you stand.
One exception: the Pro Plan One Day Add-On has no consistency rule and carries a higher $4,000 profit target on the 50K account.
Note: Consistency rules change in the sim-funded stage. That's covered in the sim-funded rules section below.
MFF Sim-Funded Account Rules
After passing the evaluation, you move to a sim-funded account. This is a simulated environment that replicates real market conditions. You trade toward payouts here, and consistent performance can lead to a live funded account.
Each plan's sim-funded stage has its own rules. Here's where they differ.
Drawdown changes in sim-funded
During evaluation, all plans use EOD trailing drawdown. That stays the same for Builder, Flex, and Pro in the sim-funded stage. Rapid switches to intraday trailing drawdown.
Intraday trailing means your max loss follows your equity high-water mark in real time during the session, not just at end of day. The distance stays fixed ($1,000 on 25K, $2,000 on 50K, $3,000 on 100K, $4,500 on 150K). Once your trailing max loss reaches $100, it locks there and no longer trails. You must always keep at least $100 in the account or the account is breached. Open equity counts here too.
Builder and Flex sim-funded accounts start at a $0 balance, meaning your account can go negative before the max loss limit trails up to breakeven. This is expected and normal. Builder also carries a $1,000 daily loss limit (soft pause) into the sim-funded stage, the only plan with a DLL.
Flex sim-funded accounts scale contract limits by balance. On the 25K, you trade 1 mini (10 micro) until your balance reaches $750, then 2 mini (20 micro) above that. On the 50K, you trade 1 mini up to $1,499, 2 mini from $1,500 to $1,999, and 3 mini at $2,000 and above. If you bought the optional DLL add-on, its $1,000 soft pause carries into this stage.
Consistency in sim-funded
On Rapid, Flex, and Pro sim-funded accounts, there is no consistency rule. So once you pass evaluation on Rapid, Flex, or Pro, consistency requirements drop away entirely.
Builder is the exception: it has no consistency during evaluation but enforces a 50% consistency rule on payout requests. This is a significant change from older MFF plans (like the legacy Starter and Core accounts) that enforced 40% consistency in the funded stage.
The no consistency rule on Rapid, Flex, and Pro sim-funded accounts puts MFF in a small group. Most futures prop firms enforce consistency on either the eval or the funded side. Our futures prop firm comparison shows exactly which firms require it and when.
Inactivity rule
All sim-funded accounts require at least one trade every 7 calendar days. If you're planning to take a break, MFF asks that you inform them in advance so your account is notated. Violating this rule leads to an account breach. Evaluations are not subject to the inactivity rule.
MFF Payout Rules and Profit Splits by Plan
Payouts work differently across each plan. Here's how they break down.
Rapid Plan payouts
Frequency: Daily (first payout eligible 24 hours after first trade)
Required buffer: $1,100 (25K), $2,100 (50K), $3,100 (100K), $4,600 (150K)
Minimum withdrawal: $500
Profit split: 90/10 (trader keeps 90%)
No consistency rule for payouts
Builder Plan payouts
Frequency: Every 48 hours (must have traded on at least 2 days per cycle)
Required buffer: $2,100 (default) or $1,600 (add-on), must be fully cleared before requesting
Minimum withdrawal: $500
Maximum payout per cycle: $2,000
Max sim payouts: 5
Profit split: 80/20 (trader keeps 80%)
50% consistency rule applies to payout requests
Net profit of $500 above buffer required for first payout, $500 since last payout for subsequent requests
Flex Plan payouts
Frequency: After every 5 winning days (minimum $100 net profit per day on 25K, $150 on 50K)
Minimum withdrawal: $250 (25K) or $500 (50K)
Maximum per request: 50% of net profits, up to $1,000 (25K) or $2,000 (50K)
Max sim payouts: 5
Profit split: 80/20 (trader keeps 80%)
Minimum $500 in total net profit required at the time of a payout request
Net profit of $250 (25K) or $500 (50K) required between each payout
After first payout, max loss limit resets to $100 and becomes fixed
Pro Plan payouts
Frequency: Every 14 calendar days from first trade
Required buffer: $2,100 (50K), $3,100 (100K), $4,600 (150K)
Withdrawal while in buffer: up to 60% of profits before fully clearing the buffer (minimum $1,000)
Maximum payout per user: $100,000
Profit split: 80/20 (trader keeps 80%)
Path to live capital
Each plan has its own transition from sim-funded to live:
Rapid: Automatic transition if you hit $10,000 net profit in a single trading day, or by Risk Management Team review
Builder: After the 5th approved sim payout
Flex: After 5 consecutive payouts, reaching the $100K sim cap, or Risk Team discretion
Pro: After 3 consecutive payouts, or a $20,000 profit milestone (triggers a review but does not guarantee transition), or Risk Team fast-track
My Funded Futures Live Account Rules
Once you're transitioned to live, you're trading real capital on a live brokerage account. This is not optional. If you're selected for live, you cannot decline the transition. Your active sim-funded accounts go dormant, and multiple sim-funded accounts are merged into a single live account.
How live accounts differ from sim-funded
Live parameters vary by plan, so there isn't a single set of live rules anymore. One thing holds across all of them: there's no inactivity timer on live accounts, so you can step away without a breach, though monthly account fees still apply.
Rapid live: EOD trailing drawdown. Accounts start at $0, with the max loss limit set by size: $1,000 (25K), $2,000 (50K), $3,000 (100K), $4,500 (150K). Because the balance starts at $0, it can run as far below zero as that limit before breaching, so a 50K account can sit down to roughly -$2,000 early on. The breach point trails up with your end-of-day balance until it reaches $0, where it locks for good, and hitting the max loss limit closes the account immediately. No daily loss limit, no buffer, daily payouts, and fixed contracts of 2 mini (25K), 4 (50K), 6 (100K), and 8 (150K). When multiple Rapid accounts merge into one live account, the max loss limit increases proportionally.
Flex live: EOD drawdown with a $156 minimum balance and no daily loss limit. The account is seeded at $1,000 (25K) or $2,000 (50K), pays daily with a $250 minimum at an 80/20 split, and allows 2 mini (25K) or 3 mini (50K).
Pro live: Static drawdown with a $140 minimum balance. The seeded initial balance stays locked until you complete 20 winning days, each profiting at least 4% of your initial balance, plus 3 payouts, after which it unlocks and you can withdraw down to the $140 floor. Pro live carries a daily loss limit you can ask your risk manager to lower, and there's no fixed scaling plan, so after 2 weeks live you can request a contract-limit review.
Rapid live Reserve Program
When you transition to Rapid live, up to $5,000 of your sim-funded profits is set aside in a Reserve instead of paid out immediately. Anything above that $5,000 stays available to withdraw under the normal payout rules. The Reserve isn't forfeited: it can be paid to you if your live account is later breached, or released as a performance bonus when you reach live account milestones. So a $10,000 profit day that triggers transition sends $5,000 to the Reserve and leaves $5,000 withdrawable, and a $7,000 risk-team transition sends $5,000 to the Reserve and leaves $2,000 withdrawable.
Builder live differences
Builder live accounts work slightly differently. The drawdown is EOD trailing and becomes static once the MLL reaches $0, rather than the $140 fixed minimum on other plans. The $1,000 daily loss limit carries through from evaluation and sim-funded. Builder is also capped at 1 live account, while other plans may allow multiple live accounts for high-performing traders at the risk manager's discretion.
Live payouts
Daily payouts are available on all live accounts with a $250 minimum. On your first day on a live account you have to wait until end of day to request, and after that you can request once per day. Submit before 11 AM EST for same-day processing; requests sent after the cutoff are handled the next business day, and only one payout can be requested per day. Once you request a payout, your available contracts are set to 0 until it's approved and paid, so you can't keep trading in the meantime.
News trading on live
News trading is allowed on all live accounts. However, MFF strongly recommends against it. Trading during news comes with high volatility, which can lead to slippage, poor fills, and orders not being honored.
Microscalping and DCA on live
Microscalping is allowed on live accounts but carries significant risk. Strategies that rely on minimal slippage and instant execution may not perform the same way in live markets as they did in simulation. Dollar-cost averaging (DCA) is also allowed but discouraged, especially adding to losing positions without a plan, as it may lead to liquidation.
21-day cooldown after breach
If your live account is breached, a 21-day cooldown period begins. During this time, all sim-funded trading is prohibited and no new evaluations or resets can be purchased. After 21 days, restrictions are lifted. You can share feedback with MFF and in some cases a "Path Back to Live" plan may be offered based on your trading history.
MFF News Trading and Restricted Activities
MFF has standard news protocols that apply across all accounts, including evaluations. On top of that, Rapid and Pro sim-funded accounts have additional T1 news restrictions.
Standard news protocols (all accounts)
On every account type, including evaluations, you must avoid having any positions or orders in the book within 2 minutes before and 2 minutes after any news data release. If news is at 8:30 AM, all positions must be closed by 8:28:00, and you can't re-enter until 8:32:00. This includes limit orders sitting in the order book. Strategies that exploit news bursts (such as straddles or strangles) are also prohibited on all accounts.
T1 news events
T1 (Tier 1) news includes FOMC meetings and minutes, the Employment Report (NFP), and CPI. Energy traders also need to watch EIA releases, and agricultural traders need to track Ag reports.
On Rapid and Pro sim-funded accounts, T1 news trading is fully prohibited. That means you cannot trade around these events at all, not just the 2-minute buffer.
Here's how the restrictions break down by plan:
Restricted (T1 news trading prohibited): Rapid Sim Funded and Pro Sim Funded accounts
Unrestricted (T1 news trading allowed): All evaluations, Builder Sim Funded, and 25K and 50K Flex plans
If you build your strategy around economic releases, this matters when choosing your plan. Builder and Flex are the only current plans that allow T1 news trading in the funded stage.
Other prohibited practices
MFF bans several trading behaviors across all account types. Simultaneously placing multiple limit orders at the same price to manipulate fills is not allowed. Trading gapped or illiquid markets to profit from isolated fills is prohibited. Exploiting the absence of slippage on simulated accounts will get flagged. Hedging of any kind is banned, including across multiple MFF accounts. Copying your own trades across your own MFF accounts is allowed, but copying another trader's trades onto your account is prohibited. Each account must be traded only by the account holder on their own device.
All trading must comply with CME Group rules. MFF passed evaluations are subject to review, and traders found in violation may not be funded and may not receive refunds.
MFF Trading Hours and Activity Rules
MFF allows trading from 6:00 PM EST (Globex open) through 4:10 PM EST (NY session close). Positions are auto-liquidated at 4:10 PM on regular trading days. Don't try to force trades back on after the close. MFF warns this can sometimes cause orders to go through and result in account disqualification.
During holiday hours, auto-liquidation does not occur at the early close. You're responsible for closing positions yourself.
Account limits: You can hold multiple accounts simultaneously, but there are limits. For 25K plans, you can maintain up to 5 active sim-funded accounts. For 50K Flex plans, the cap is 3 sim-funded accounts. If you hold any 100K or 150K sim-funded account, the cap drops to 3 total active sim-funded accounts across all sizes. Builder allows only 1 sim-funded account per user at any time. You can hold up to 10 evaluation accounts at once.
One practical tip: tools like Tanto can help you stay on top of my funded futures rules by auto-syncing trades from your broker. That way you can monitor daily P&L, drawdown distance, and consistency ratios without manual spreadsheets.
Bottom Line
My Funded Futures rules are straightforward once you understand your specific plan. The three things that end the most accounts are drawdown breaches from open equity dips, forgotten news restrictions on Rapid and Pro funded accounts, and misunderstanding how the trailing lock point works. Know your plan's parameters before you place your first trade, and check MFF's help center for the most current rules, as plan structures and policies can change.
By Team Tanto · Last updated: June 9, 2026