FTMO vs MyForexFunds (MFF): Which Is Better in 2026?
Last updated: August 8, 2026 | 16 min read
MyForexFunds was the biggest name in prop trading before everything collapsed in February 2023. Now it's back, rebuilt, and re-selling evaluations. The question every trader is asking: does the revived MFF deserve your money, or should you stay with FTMO, the firm that never went away? I compared both on rules, costs, payouts, and — most importantly — trust.
The Big Picture
FTMO's advantage has never been flashy features — it's that FTMO has paid traders reliably through every industry crisis since 2015, including the exact period that killed MFF. When the 2023 prop firm crackdown swept through the industry, FTMO restructured, rebranded to FTMO Global, and never missed a payout.
MFF's comeback in 2025 is real — evaluations are live, payouts are flowing, and the brand's old community has returned. But trust isn't rebuilt in a year. The firm's post-comeback track record is still being written, and that's the single biggest factor in this comparison.
Comparison Table: FTMO vs MFF (MyForexFunds)
| Feature | FTMO | MFF (MyForexFunds) |
|---|---|---|
| Profit Split | 80% → 90% | 75% → 90% |
| Max Account | $400K | $400K |
| Evaluation | 2-phase (10% + 5%) | 2-phase (8% + 5%) |
| Daily Loss | 5% | 5% |
| Max Drawdown | 10% (static) | 10% (static) |
| Time Limit | 30 days per phase | Unlimited (Phase 1) |
| Min Trading Days | 4 | 5 |
| Cost ($100K) | $540 | $349 |
| Payout | 14 days after request | 14 days |
| Trust Factor | 10+ years, gold standard | Rebuilding post-2023 |
Fees Compared
MFF is aggressively cheaper: $89 for $10K, $189 for $50K, and $349 for $100K. FTMO charges $350 and $540 for the same 50K and 100K tiers. If you're comparing purely on price, MFF wins by a wide margin — roughly 35% cheaper at the $100K level.
That discount is the marketing price of re-entry. MFF needs volume to rebuild, and it's competing on cost to win traders back. The value is real, but you're implicitly betting that the rebuilt operation pays out as reliably as the old one did at its peak.
Rules Compared
Both firms run near-identical risk frameworks: 5% daily loss, 10% static max drawdown, two phases. MFF softens the target to 8% + 5% versus FTMO's 10% + 5%, and Phase 1 has no time limit at all — you can take months if you need them.
FTMO counters with fewer minimum trading days (4 versus 5) and the option to extend phases for a fee. For patient traders, MFF's unlimited Phase 1 is genuinely more forgiving; for traders who want a fixed schedule, FTMO's predictability is a feature.
Payouts Compared
Both firms pay on a 14-day cycle with comparable splits — FTMO at 80% rising to 90%, MFF at 75% rising to 90%. FTMO adds on-demand withdrawals after two free profit splits, which MFF hasn't fully matched post-comeback.
The real payout question is track record, not speed. FTMO's decade of verified payouts is the gold standard of the industry. MFF's historical payouts were excellent too — fast and consistent — but they were interrupted by the 2023 shutdown. Rebuilding that trust takes consecutive quarters of clean payouts, and it's not there yet.
Background: The Giant That Fell vs The Firm That Never Wavered
FTMO (2015 – Present)
FTMO has been the prop industry's anchor since 2015, paying out over half a billion dollars. When the 2023 industry crackdown swept through, FTMO restructured, rebranded to FTMO Global, and kept paying without interruption. Its rulebook — 10% + 5% targets, 5% daily loss, 10% static drawdown, 30-day phases — is the industry benchmark that competitors copy.
MyForexFunds (2019 – 2023, Returned 2025)
MFF was the biggest prop firm in the world by trader count before the February 2023 collapse that stranded thousands of traders. Its 2025 comeback is real but humble: evaluations live, payouts flowing, community returning. The structure is nearly identical to its heyday — 8% + 5% targets, 5% daily loss, 10% static, unlimited Phase 1 — but the price is now aimed aggressively low to win back trust and volume.
The 2023 Shutdown: What Actually Happened
Understanding this comparison means understanding MFF's collapse. In February 2023, amid a broader industry regulatory shakeup, MFF's payment processors and infrastructure providers cut ties, and the firm stopped payouts entirely. Thousands of funded traders lost access to accounts with real profits inside. FTMO, by contrast, preemptively restructured to FTMO Global and never missed a payout — that contrast defines both brands today.
MFF's comeback has been orderly: new entities, fresh evaluations, and reported payouts. But a decade of trust cannot be rebuilt in a year. Every MFF payout report is scrutinized harder, and the firm knows it — which is precisely why its pricing is so aggressive.
The Risk Rulebook: Nearly Identical, One Big Difference
| Rule ($100K) | FTMO | MFF |
|---|---|---|
| Profit targets | 10% + 5% | 8% + 5% |
| Daily loss | $5,000 (5%) | $5,000 (5%) |
| Max drawdown | $10,000 (10%, static) | $10,000 (10%, static) |
| Time limit | 30 days per phase | Unlimited (Phase 1) |
| Min trading days | 4 | 5 |
| Consistency rule | None | None |
The headline difference is targets and time: MFF asks for less profit (8% vs 10% in Phase 1) and gives you unlimited time in Phase 1. That is materially more forgiving for part-time traders. FTMO counters with fewer minimum trading days (4 vs 5) and optional paid phase extensions. For a trader with a job, MFF's unlimited Phase 1 is the single most attractive rule in this matchup.
Cost of Entry: The Value Argument
| Account Size | FTMO | MFF |
|---|---|---|
| $10,000 | $89 | $89 |
| $50,000 | $350 | $189 |
| $100,000 | $540 | $349 |
MFF undercuts FTMO by roughly a third at the $100K tier and nearly half at $50K. Both refund the fee on first payout (FTMO) or per current comeback terms (MFF) — check the live brief. The retry math is simple: more attempts per dollar at MFF, plus an unlimited Phase 1 that reduces the number of attempts you need anyway.
Payouts and Splits: Track Record vs Potential
Both firms run ~14-day payout cycles with splits that climb to 90%. FTMO adds on-demand withdrawals after two free profit splits — a feature MFF hasn't fully matched post-comeback. The decisive factor is not cycle length but verifiable history: FTMO's decade of uninterrupted payouts is unmatched; MFF's historical record was strong until the 2023 rupture, and its comeback record is measured in months.
For a risk-adjusted decision: assume MFF's 90% split is real but discount it slightly for the shorter rebuild history. The pricing already compensates you for that risk — which is exactly why MFF's value pitch works.
Who Should Choose MFF
- Budget-conscious traders maximizing accounts per dollar.
- Part-time traders who need unlimited Phase 1 time.
- Traders who accept the rebuilding risk in exchange for cheaper attempts.
- Anyone diversifying across several firms at once.
Who Should Choose FTMO
- Traders who prize an uninterrupted decade of verified payouts.
- Traders who want on-demand withdrawals after two splits.
- Multi-market traders using MT4/MT5/cTrader (MFF's platform list is narrower).
- Anyone for whom "zero doubt about payout" outweighs a $190 discount.
Real Trader Experiences (2026)
Case Study 1: The Value Stacker
Client runs three MFF $50K evaluations in parallel: "At $189 each, the total is less than one FTMO $100K attempt. If one fails, the other two are still alive. MFF's unlimited Phase 1 is the reason I can run three without stress."
Case Study 2: The Trust Conservative
Client was funded at MFF in 2022 and lost access in the 2023 shutdown. "I loved MFF — I got paid five times. But I watched the shutdown destroy people. I'm back on FTMO only. The fee difference is insurance I'm happy to pay."
Case Study 3: The Both-Is-Better Trader
Client runs both: "MFF is my value buy for building multiple accounts fast. FTMO is my long-term home where my real compounding happens. Acting like they're rivals misses the point — they're compliments."
Frequently Asked Questions (Expanded)
Q: Can I trade news at MFF?
A: MFF historically allowed news trading on most accounts, like FTMO. Verify the current brief — rules were refreshed during the rebuild.
Q: Does MFF refund the challenge fee?
A: Check the live terms: FTMO refunds the full fee with your first payout; MFF's comeback terms have differed across phases, so confirm before buying.
Q: Which is better for a beginner?
A: MFF's 8% target and unlimited Phase 1 are objectively easier to pass. FTMO is the safer post-funding home. Many beginners start at MFF for the pass then shift to FTMO for the split and stability.
Which Is Better for You in 2026?
Choose MFF if: you want the cheapest evaluations, an unlimited Phase 1 timeline, and you're comfortable with the firm's rebuilding risk. The price advantage is substantial.
Choose FTMO if: you value an uninterrupted decade of payouts, on-demand withdrawals, and want zero doubt about whether your profits will be honored. FTMO's premium is insurance.
Many traders run both — MFF's cheap evaluations to build funded accounts fast, FTMO as the stable long-term home. Diversification across firms isn't just for risk management; it also hedges the trust question.
The Final Verdict
MFF is the value pick of 2026: half the price, a friendlier 8% Phase 1 target, and unlimited time. FTMO remains the trust pick: a decade of verified payouts and on-demand withdrawals that no comeback story can match yet. If you can afford the fee, FTMO is the safer home; if you want maximum accounts per dollar, MFF's revival deserves a shot.
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Frequently Asked Questions
Q: Is MyForexFunds back for real?
A: Yes — MFF returned in 2025 after restructuring and is selling evaluations and paying traders again, though its comeback track record is still short.
Q: Is MFF cheaper than FTMO?
A: Yes — $189 for $50K and $349 for $100K versus FTMO's $350 and $540, plus an unlimited Phase 1 timeline.
Q: Which firm pays out faster?
A: Both run ~14-day cycles. FTMO adds on-demand withdrawals after two free splits; MFF's post-comeback speed is still being proven.
Q: Can I trade news at MFF?
A: MFF historically allowed news trading on most accounts, like FTMO. Re-check the current brief since rules were refreshed in the rebuild.
Q: Which firm should I trust in 2026?
A: FTMO for uninterrupted history; MFF for value. Running both is a common and sensible strategy.
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