# MyFundedFutures funded account rules: the buffer comes first

> Source: https://fundedsim.com/en/guides/myfundedfutures-funded-account-rules
> MyFundedFutures Sim Funded rules: a $0 start, the buffer before your first payout, the 50% rule on Builder, payout caps and the move to live.

A MyFundedFutures Sim Funded account starts at $0, with an end-of-day drawdown that locks $100 above the start. On Builder you first build a buffer ($2,100 on the 50K), then need $500 more and two trading days per cycle, no day above 50% of the cycle. Payouts are 80/20, capped per cycle; after five you move live.

By FundedSim Desk · updated October 26, 2026

## Builder Sim Funded at a glance

| Size | Max loss | Max contracts | Days for a payout | Best-day rule on payouts | Balance to request | Minimum payout | Max per request | Payouts per account | You keep |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 50K | $2,000 | 4 minis | 2 trading days | 50% | $2,600 | $500 | $2,000 | 5 | 80% |
| 150K | $4,500 | 9 minis | 2 trading days | 50% | $6,100 | $1,500 | $4,500 | 5 | 80% |

"Balance to request" is on an account that starts at $0: the buffer plus the first payout's minimum net profit. There's no activation fee on any MFFU plan.

## It starts at zero

Your Sim Funded balance starts at $0 and can go negative. The Max Loss Limit is an end-of-day trailing drawdown, $2,000 on the 50K, so on day one the floor sits at −$2,000. It follows your best close up and locks for good once it reaches $100 above the start.

The 50K also has a soft $1,000 daily loss limit: hit it and you're paused for the day, the account keeps going.

## The buffer before the first payout

Nothing is withdrawable until you've built the buffer: the Max Loss Limit plus $100, so $2,100 on the 50K and $4,600 on the 150K. On top of that the first payout needs $500 of net profit on the 50K, $1,500 on the 150K.

Think of the first $2,100 as a deposit that protects the account, not money you can take. A trader who makes $2,500 and stops has nothing to request yet.

## The payout checklist on Builder

1. **Two trading days** in the current cycle. They don't need a minimum profit.
2. **The 50% rule.** Your largest profit day can't be more than 50% of the cycle's profit. The count starts over after every approved payout.
3. **Above the buffer**, with at least the minimum payout ($500 on the 50K).
4. **Within the cap**: $2,000 a cycle on the 50K, $4,500 on the 150K.

The split is 80/20 in your favor.

On an account that starts at $0, the first $2,600 decides when you get paid. After that it is two days a cycle, up to $2,000 each time.

## Five payouts, then live

After your fifth approved sim payout on Builder you become eligible for a live funded account. On the live account payouts are daily with a $250 minimum, and the drawdown is end of day again: $2,000 on the 50K, $4,500 on the 150K.

## Rapid is built differently

Rapid's funded account trails your intraday equity high by $2,000 and locks at $100. You still build a $2,100 buffer first, but after that there's no consistency rule, payouts can be daily from $500, and the split is 90/10. MFFU doesn't publish a per-payout cap for Rapid Sim Funded. A $10,000 profit day moves you to live automatically.

## Stay active

Accounts on the one-time payment model, sim funded accounts included, close after 7 consecutive calendar days without a trade. Put a reminder in your calendar if you take breaks.

## Practice it

FundedSim doesn't simulate MFFU's funded account yet. The habit that matters is the same as on any end-of-day account: know where the floor sits at every close. Practice it on an Apex 50K End of Day or Topstep 50K in the simulator, and compare the two firms in [Apex vs MyFundedFutures](https://fundedsim.com/en/compare/apex-vs-myfundedfutures).

## Questions people actually ask

**How much do I need to make before my first MyFundedFutures payout?**

On a Builder 50K Sim Funded account, the $2,100 buffer plus $500 of net profit above it, so a $2,600 balance on an account that starts at $0. On the Builder 150K it's a $4,600 buffer plus $1,500.

**Is there a consistency rule on MFFU funded accounts?**

On Builder, yes: no single day can be more than 50% of the profit in the payout cycle. Rapid funded accounts have no consistency rule.

**What happens after five MyFundedFutures payouts?**

After the fifth approved sim payout on Builder you become eligible for a live funded account, where payouts are daily with a $250 minimum.

**Can an MFFU funded account be closed for inactivity?**

Yes. Accounts bought on the one-time payment model, sim funded accounts included, close after 7 consecutive calendar days without a trade.

## Blow it here, not on a paid eval

Run the same rules on your own trades in the simulator. Free, no card, and a blown account costs you nothing but pride.

[Start practicing](https://fundedsim.com/app?lang=en)

## Keep going

- [MyFundedFutures: Builder vs Rapid, and the buffer you have to clear before getting paid](https://fundedsim.com/en/prop-firms/myfundedfutures)
- [Apex vs MyFundedFutures: two one-time 50K evals](https://fundedsim.com/en/compare/apex-vs-myfundedfutures)
- [Payout rules: what you need before the first withdrawal](https://fundedsim.com/en/guides/prop-firm-payout-rules)
- [Evaluation vs funded account: the rules that change after you pass](https://fundedsim.com/en/guides/evaluation-vs-funded-account)

Blow it here, not on a paid eval

[Start practicing](https://fundedsim.com/app?lang=en)