FTMO vs My Funded Futures (2026) — Which Is Better?

## Overview

FTMO and My Funded Futures represent two different approaches to funded trading accounts. FTMO is the industry incumbent—established, diversified across asset classes, and offering accounts up to $200K after passing a two-phase evaluation. My Funded Futures is the newer challenger, launched in 2023, built specifically for futures traders who prioritize speed and simplicity. The core trade-off: FTMO offers more features and asset variety; My Funded Futures eliminates friction with no activation fees, faster payouts, and a single-phase evaluation.

## Pricing Comparison

FTMO charges $155 per month with a refundable challenge fee that's returned on your first profitable payout. My Funded Futures costs $77 monthly—a 50% discount—with zero activation fees, though the monthly subscription is non-refundable if you fail evaluation.

The raw math favors My Funded Futures if you're budget-conscious: at $77/month versus $155/month, you're saving $936 annually. But context matters. FTMO's $155 covers more robust infrastructure (MT4, MT5, cTrader support plus proprietary tools), whereas My Funded Futures' $77 is built exclusively around Tradovate futures trading. If you fail FTMO evaluation, you lose the challenge fee but can try again; if you fail My Funded Futures, you lose the monthly fee with no refund option. FTMO's free trial lets you test the platform before committing money—an advantage that de-risks the decision for newcomers.

For traders planning multiple evaluation attempts, FTMO's fee structure can become expensive, but the refund-on-first-payout clause softens the pain for successful traders. My Funded Futures' lower barrier to entry appeals to cash-strapped traders, but the non-refundable monthly fee creates psychological friction.

**Value verdict:** My Funded Futures wins on raw cost; FTMO's free trial offsets higher pricing for indecisive traders.

## Key Features Head-to-Head

**Evaluation Process:** FTMO runs a two-phase challenge; My Funded Futures uses a single-phase evaluation. FTMO's two-stage approach is designed to filter serious traders but adds stress and extends the timeline. My Funded Futures moves faster—you reach funding status quicker—but the single phase means less practice time on proprietary trading rules before risking your actual capital.

**Payout Speed:** My Funded Futures claims payouts in 15–20 minutes; FTMO offers biweekly payouts with multiple withdrawal methods. If you scalp or trade intraday, My Funded Futures' near-instant payouts are a game-changer. FTMO's biweekly schedule is slower but standard in the industry and still faster than traditional brokers.

**Drawdown Rules:** FTMO enforces strict drawdown caps that cause many traders to blow accounts. My Funded Futures removes consistency rules on Pro accounts, giving you full freedom to trade however you want once funded. This is a structural difference—FTMO polices your trading; My Funded Futures lets you own it.

**Platform Support:** FTMO supports MetaTrader 4, MetaTrader 5, and cTrader. My Funded Futures is Tradovate-only. If you're a heavy MT4/MT5 user or rely on specific cTrader features, FTMO is mandatory. Tradovate works fine for futures, but it's not universal—crypto, forex, and stock traders cannot use My Funded Futures at all.

**Pass Rates:** My Funded Futures reports a ~25% pass rate, roughly double the industry standard (which hovers around 10–12%). FTMO doesn't publicly advertise pass rates, but anecdotal evidence suggests they're lower. If you're testing the waters, My Funded Futures gives you better odds.

**Scaling:** FTMO requires you to purchase separate accounts for larger sizes (no built-in scale-up path). My Funded Futures offers a progression to real live trading accounts after 5 consecutive payouts, creating a natural on-ramp to graduating from evaluation to production.

## Who Should Choose FTMO

- **Multi-asset traders** who need flexibility across stocks, forex, crypto, and futures. FTMO is the platform that doesn't force you into a narrow box. - **Traders married to MetaTrader.** If your entire system, indicators, and backtesting library lives in MT4 or MT5, FTMO is the only option here. - **Experienced traders with capital.** If you've already proven yourself elsewhere and want a $200K+ account with 90% profit splits without jumping through multiple hoops, FTMO delivers quickly. - **Traders willing to pay for quality.** At $155/month with a free trial upfront, FTMO's premium pricing reflects mature infrastructure, responsive support, and industry credibility built over years.

## Who Should Choose My Funded Futures

- **Futures purists who trade a single market well.** If you focus exclusively on ES, NQ, or micro contracts, My Funded Futures removes all the complexity you don't need. - **Traders with limited capital.** The $77 monthly fee plus no activation charges mean you can test evaluation for under $100, which is a fraction of FTMO's total cost structure. - **Speed-obsessed scalpers.** If you're pulling profits daily and reinvesting them, My Funded Futures' 15–20 minute payouts compress the cash flow cycle in your favor. FTMO's biweekly wait kills intraday capital velocity. - **Newer traders with realistic expectations.** My Funded Futures' ~25% pass rate is honest; if you're on your second or third attempt at prop trading, the better odds improve your survival probability. The lack of consistency rules also gives newer traders room to adapt their strategy without immediate account termination.

## The Verdict

**FTMO wins for traders who need platform diversity, MetaTrader support, and proven credibility**—the $155 monthly cost is justified for multi-asset traders and professionals managing large accounts. **My Funded Futures wins for dedicated futures traders who prioritize cost, speed, and odds of success**—$77/month, 15–20 minute payouts, and a ~25% pass rate beat FTMO's slower timeline and stricter drawdown rules if your trading edge lives in one market. Choose FTMO for breadth and legacy infrastructure; choose My Funded Futures for futures focus and friction removal.