Prop Firm Comparison
2026 Prop Firm $100k Account Showdown: Tradeify vs Lucid vs MFF vs TPT
"Every rule. Every fee. Every catch. This is the definitive, no-spin breakdown of $100,000 prop firm accounts from Tradeify, Lucid Trading, My Funded Futures, and Take Profit Trader—sourced directly from each firm's official help center and pricing pages as of April 2026."
The $100,000 account is a serious commitment—both in evaluation cost and in the complexity of funded-stage rules. At this tier, you get meaningful contract sizes (8–12 minis), higher payout caps, and access to MFF's Pro plan with its $100K total payout capacity. But the drawdown amounts, buffer requirements, and daily loss limits also scale up significantly. For lower-cost entry points, see our $25K and $50K comparisons, or go bigger with the $150K showdown.
This guide breaks down every single parameter: evaluation rules, funded account rules, drawdown mechanics, payout structures, consistency requirements, contract limits, and the hidden catches that most comparison articles skip. Note: MFF Flex is not available at the $100K tier—only Rapid and Pro.
Table of Contents
- Quick Comparison Table
- Evaluation Rules Breakdown
- Funded Account Rules Breakdown
- Payout Structure & Caps
- Drawdown Mechanics Explained
- Tradeify (Select) Deep Dive
- Lucid Trading (LucidPro) Deep Dive
- My Funded Futures (Rapid & Pro) Deep Dive
- Take Profit Trader Deep Dive
- Hidden Catches & Warnings
- Which Firm Is Best For You?
- FAQ
Quick Comparison Table: $100k Accounts
All data sourced from each firm's official help center and pricing pages. Prices shown are base/full price. Coupon codes may reduce costs further. MFF Flex is not available at the $100K tier.
| Feature | Tradeify (Select) | Lucid (LucidPro) | MFF (Rapid) | MFF (Pro) | TPT |
|---|---|---|---|---|---|
| Eval Cost | $159 one-time | $285 one-time | $267/month | $344/month | $330/month |
| Reset Fee | $75 | $180 | Included in sub | Included in sub | Included in sub |
| Activation Fee | None | None | None | None | $130 one-time |
| Profit Target | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 |
| Max Drawdown (Eval) | $3,000 EOD | $3,000 EOD | $3,000 EOD | $3,000 EOD | $3,000 EOD |
| Daily Loss Limit (Eval) | None | $1,800 | None | None | None |
| Consistency (Eval) | 40% | None | 50% | 50% | 50% |
| Min Days to Pass | 3 days | 1 day | 2 days | 2 days | 5 days |
| Max Contracts (Eval) | 8 mini / 80 micro | 6 mini / 60 micro | 10 mini / 100 micro | 6 mini / 60 micro | 12 mini / 120 micro |
| Funded Account Rules | |||||
| Drawdown (Funded) | $3,000 EOD (Flex) / $2,500 EOD (Daily) | $3,000 EOD | $3,000 Intraday | $3,000 EOD | $3,000 Intraday |
| Drawdown Lock | Locks at $100,100 | Locks at $100,100 | Locks at $100 | Locks at $100,100 after 1st payout | Locks at $100,000 |
| Daily Loss Limit (Funded) | None (Flex) / $1,250 (Daily) | $1,800 fixed + 60% scaling | None | None | None |
| Consistency (Funded) | None | 40% | None | None | None |
| Profit Split | 90 / 10 | 90 / 10 | 90 / 10 | 80 / 20 | 80 / 20 |
| Payout Frequency | Every 5 winning days (Flex) / Daily | Anytime (criteria met) | Daily | 14 days + buffer | Daily (above buffer) |
| Max Payout/Cycle | $4,000 (Flex) / $1,500 (Daily) | $2,500 (1st) / $3,000 (2nd+) | No cap listed | $100,000 total | No cap |
| Buffer Requirement | None (Flex) / $2,600 (Daily) | $3,100 ($103,100 balance) | $3,100 | $3,100 | $3,000 |
| News Trading (Funded) | Yes (T1) | Not restricted | No T1 news | No T1 news | No (FOMC, NFP, CPI) |
| Max Funded Accounts | 5 | Not specified | 3 (100k/150k limit) | 3 (100k/150k limit) | 5 |
| Path to Live | 3+ payouts on 1 acct | 6 payouts → LucidLive | Via Rapid Live transition | 3 consecutive payouts | PRO+ upgrade (EOD, 90/10) |
Evaluation Rules: The Full Breakdown
At the $100K level, every firm converges on a $6,000 profit target and $3,000 max drawdown, but contract limits and daily loss limits diverge significantly. TPT offers the most contracts (12 minis).
| Eval Parameter | Tradeify (Select) | Lucid (LucidPro) | MFF (Rapid) | MFF (Pro) | TPT |
|---|---|---|---|---|---|
| Eval Price | $159 one-time | $285 one-time ($199.50 w/ coupon) | $267/month | $344/month | $330/month |
| Reset Fee | $75 (up to 10 resets per 30 days) | $180 | Included in subscription | Included in subscription | Included in subscription |
| Billing Type | One-time purchase | One-time purchase | Monthly subscription | Monthly subscription | Monthly subscription |
| Profit Target | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 |
| Max Drawdown | $3,000 (EOD trailing) | $3,000 (EOD trailing) | $3,000 (EOD trailing) | $3,000 (EOD trailing) | $3,000 (EOD trailing) |
| Daily Loss Limit | None | $1,800 | None | None | None |
| Consistency Rule | 40% (no single day > 40% of total) | None | 50% (no single day > 50% of total) | 50% (no single day > 50% of total) | 50% (no single day > 50% of total) |
| Minimum Trading Days | 3 days | 1 day (can pass same day) | 2 days | 2 days | 5 days |
| Max Contracts | 8 mini / 80 micro | 6 mini / 60 micro | 10 mini / 100 micro | 6 mini / 60 micro | 12 mini / 120 micro |
| News Trading | T1 news allowed | Not restricted | T1 news allowed | T1 news allowed | Not restricted in test |
| Activation Fee | $0 | $0 | $0 | $0 | $130 one-time |
Key Takeaway: Evaluation Phase
At $100K, contract limits vary widely: TPT leads with 12 minis, MFF Rapid offers 10, Tradeify gives 8, and Lucid/MFF Pro provide 6. Lucid is the only firm with a daily loss limit ($1,800) and remains the fastest to pass (1 day, no consistency rule). MFF accounts at this tier are limited to 3 sim-funded accounts maximum (vs 5 for 25K/50K). Tradeify remains the only one-time purchase option.
Funded Account Rules: Where It Really Matters
At $100K, the funded rules diverge even further. Tradeify's Daily plan introduces a tighter drawdown ($2,500 vs $3,000 on Flex), and MFF only offers Rapid and Pro—no Flex option.
| Funded Parameter | Tradeify (Select Flex) | Lucid (LucidPro) | MFF (Rapid) | MFF (Pro) | TPT (PRO) |
|---|---|---|---|---|---|
| Starting Balance | $100,000 | $100,000 | $0 (build from zero) | $100,000 | $100,000 |
| Max Drawdown | $3,000 (Flex) / $2,500 (Daily) | $3,000 | $3,000 | $3,000 | $3,000 |
| Drawdown Type | EOD trailing | EOD trailing | Intraday trailing | EOD trailing | Intraday trailing |
| Drawdown Locks At | $100,100 (permanent floor) | $100,100 (permanent floor) | $100 (once trail reaches it) | $100,100 (after 1st payout) | $100,000 (starting balance) |
| Daily Loss Limit | None (Flex) / $1,250 (Daily) | $1,800 fixed + 60% scaling | None | None | None |
| Consistency Rule | None | 40% per payout cycle | None | None | None |
| Scaling Plan | Yes: Start 3/30 → scale to 8/80 | No: Full 6/60 immediately | No: Full 10/100 immediately | No: Full 10/100 immediately | No: Full 12/120 immediately |
| News Trading | T1 allowed | Not restricted | No T1 news | No T1 news | No (FOMC, NFP, CPI restricted) |
| Inactivity Rule | Not specified | Not specified | 7 calendar days | Not specified | 1 trade per calendar week |
| Monthly Fee | $0 | $0 | $0 | $0 | $0 |
Payout Structure & Caps
At $100K, payout caps and buffer requirements are significantly larger. The differences between plans become more consequential when you're extracting thousands per cycle.
| Payout Parameter | Tradeify (Flex) | Tradeify (Daily) | Lucid | MFF Rapid | MFF Pro | TPT |
|---|---|---|---|---|---|---|
| Profit Split | 90/10 | 90/10 | 90/10 | 90/10 | 80/20 | 80/20 |
| Payout Frequency | Every 5 winning days | Daily | Anytime (all criteria met) | Daily (24hrs after first trade) | 14 days from first trade + buffer | Day 1 (above buffer) |
| Winning Day Threshold | $200 per day | N/A | N/A (min profit goal: $750/cycle) | N/A | N/A | N/A |
| Buffer Requirement | None | $2,600 | $3,100 (bal. must exceed $103,100) | $3,100 | $3,100 | $3,000 (bal. must exceed $103,000) |
| Max Per Payout (1st) | $4,000 (50% of profit) | $1,500 | $2,500 | $500 min / no cap listed | 60% early withdrawal or $100k after buffer | No max cap |
| Max Per Payout (2nd+) | $4,000 | $1,500 | $3,000 | No cap listed | $100,000 total max | No max cap |
| Min Payout Amount | N/A | $250 | $500 | $500 | $1,000 | None listed |
Drawdown Mechanics: The Most Important Detail
At $100K, a $3,000 drawdown gives you more room than smaller accounts in absolute terms, but the same mechanics apply. The key difference: Tradeify's Daily plan has a tighter $2,500 drawdown on funded accounts.
EOD Trailing Drawdown
Used by: Tradeify (eval + funded), Lucid (eval + funded), MFF Pro (eval + funded), MFF Rapid (eval only), TPT (eval only)
Your drawdown is calculated only at the end of each trading session based on your closing balance. If you're up $2,500 intraday but close flat, your drawdown limit doesn't move. This is the friendliest drawdown type for active traders.
Intraday Trailing Drawdown
Used by: MFF Rapid (funded), TPT PRO (funded)
Your drawdown trails your peak equity in real-time, including unrealized gains. At a $100K account size, this means a $3,000 intraday move that retraces consumes your entire drawdown cushion. Managing this requires precise entries and strict profit-taking discipline.
Critical Detail: When Drawdown Locks
- Tradeify: Drawdown locks at $100,100 once your EOD balance exceeds $103,100. It becomes a permanent floor.
- Lucid: Same mechanic—locks at $100,100 once your highest closing balance exceeds $103,100.
- MFF Rapid: The intraday trailing drawdown locks at $100 once it reaches that level. After withdrawals, you're trading on a razor's edge.
- MFF Pro: After first payout, MLL locks at $100,100 (static). Same generous lock as Tradeify and Lucid.
- TPT: The drawdown trails until it reaches your starting balance ($100,000), then it stops permanently.
Tradeify (Select Plan): The Budget-Friendly All-Rounder
At $159 one-time, Tradeify is by far the cheapest entry point to a $100K funded account. The contract size jumps to 8/80 in evaluation, making it a serious trading vehicle.
Evaluation Rules (Select $100K)
- Cost: $159 one-time payment (no monthly subscription)
- Reset Fee: $75 (up to 10 resets per 30-day period)
- Profit Target: $6,000
- Max Drawdown: $3,000 (End of Day trailing)
- Daily Loss Limit: None
- Consistency Rule: 40% — no single trading day can represent more than 40% of your total profit
- Minimum Trading Days: 3
- Max Contracts: 8 mini / 80 micro
- Activation Fee: $0
- News Trading: T1 news events allowed
Funded Rules: Two Payout Policies
After passing, you must choose between Select Flex (5-Day) or Select Daily. Note: the Daily option has a tighter drawdown ($2,500) than the Flex option ($3,000) at this tier.
Select Flex (5-Day Payouts)
- Max Drawdown: $3,000 (EOD)
- Daily Loss Limit: None
- Consistency Rule: None
- Buffer: None
- Starting Contracts: 3 mini / 30 micro
- Max Contracts (scaled): 8 mini / 80 micro
- Scaling: 3/30 → 4/40 → 5/50 → 8/80
- Payout: Every 5 winning days ($200 min/day)
- Max Payout/Cycle: $4,000 (50% of total profit)
- Profit Split: 90/10
- Drawdown Locks at: $100,100
Select Daily Payouts
- Max Drawdown: $2,500 (EOD) — tighter than Flex!
- Daily Loss Limit: $1,250
- Consistency Rule: None
- Buffer: $2,600
- Starting Contracts: 3 mini / 30 micro
- Max Contracts (scaled): 8 mini / 80 micro
- Daily Payout Cap: $1,500
- Min Payout: $250
- Profit Split: 90/10
- Drawdown Locks at: $100,100
Path to Live: After 3 successful payouts on a single account (or 10 total payouts across all accounts), you become eligible for Tradeify Elite Live consideration.
Lucid Trading (LucidPro): The Consistency Specialist
Lucid's $100K account carries a $1,800 daily loss limit and the tightest funded rules of any firm at this tier due to its 40% consistency requirement on payouts plus the DLL.
Evaluation Rules (LucidPro $100K)
- Cost: $285 one-time ($199.50 with coupon code)
- Reset Fee: $180
- Profit Target: $6,000
- Max Loss Limit: $3,000 (End of Day trailing)
- Daily Loss Limit: $1,800
- Consistency Rule: None in evaluation
- Minimum Trading Days: 1 (can pass same day)
- Max Contracts: 6 mini / 60 micro
- Activation Fee: $0
Funded Account Rules (LucidPro $100K)
- Max Loss Limit: $3,000 (EOD trailing)
- Daily Loss Limit: $1,800 (fixed) + Scaling DLL = 60% of your peak EOD balance gain
- Max Contracts: 6 mini / 60 micro (no scaling plan, full access immediately)
- Consistency Rule: 40% per payout cycle
- Drawdown Lock: Once your highest closing balance exceeds $103,100, the MLL locks permanently at $100,100
Payout Structure (LucidPro $100K)
- Profit Split: 90% to trader / 10% to Lucid
- Minimum Profit Goal Per Cycle: $750
- Buffer Balance: $103,100
- Max Payout (1st cycle): $2,500
- Max Payout (2nd+ cycle): $3,000
- Min Payout Request: $500
Path to Live: After 6 successful payouts, traders transition to LucidLive with a real brokerage account.
My Funded Futures: Two $100K Plans (Rapid & Pro)
MFF Flex is not available at the $100K tier. Traders choose between Rapid (daily payouts, intraday drawdown, 90/10 split) or Pro (EOD drawdown, real balance, $100K max payout, 80/20 split). The two plans couldn't be more different.
Evaluation Rules (Both Plans $100K)
- Cost: Rapid $267/month · Pro $344/month
- Profit Target: $6,000
- Max Loss Limit: $3,000 (End of Day trailing)
- Daily Loss Limit: None
- Consistency Rule: 50% (evaluation only)
- Minimum Trading Days: 2
- Max Contracts: 10 mini / 100 micro (Rapid) · 6 mini / 60 micro (Pro)
- Activation Fee: $0
- News Trading: T1 news allowed in evaluation
- Max Sim-Funded Accounts: 3 (reduced from 5 for 100K/150K plans)
MFF Rapid $100K — Funded Rules
| Parameter | Value |
|---|---|
| Initial Balance | $0 (build from zero) |
| Max Loss Distance | $3,000 from equity high-water mark |
| Drawdown Type | Intraday trailing (trails unrealized P&L) |
| Drawdown Lock | Locks at $100 (static once reached) |
| Daily Loss Limit | None |
| Consistency Rule | None |
| Max Contracts | 10 mini / 100 micro (no scaling) |
| Buffer Requirement | $3,100 |
| Payout Frequency | Daily (24hrs after first trade) |
| Min Payout | $500 |
| Profit Split | 90/10 |
| News Trading | No T1 news (restricted) |
MFF Pro $100K — Funded Rules
The Pro plan is the premium MFF option at this tier: real $100,000 starting balance, EOD drawdown, and a $100K max payout capacity.
| Parameter | Value |
|---|---|
| Initial Balance | $100,000 (full balance from day one) |
| Max Loss Limit | $3,000 (EOD trailing) |
| After 1st Payout MLL | Locks at $100,100 (static) |
| Daily Loss Limit | None |
| Consistency Rule | None |
| Buffer Requirement | $3,100 (account must reach $103,100) |
| Payout Qualification | 14 calendar days from first trade + buffer cleared |
| One-Time Early Withdrawal | Up to 60% of profits before full buffer, min $1,000 |
| Max Payout (Total) | $100,000 |
| Min Payout | $1,000 |
| Profit Split | 80/20 |
| Max Contracts | 10 mini / 100 micro (no scaling) |
| News Trading | No T1 news (restricted) |
The $100 Drawdown Trap (Rapid Only)
On MFF Rapid, the intraday trailing drawdown eventually locks at $100. After withdrawals, your account can be terminated by a loss of just $100. MFF Pro avoids this entirely—its MLL locks at $100,100 after the first payout, giving you the same protection as Tradeify or Lucid.
Path to Live (Rapid): Via Rapid Live transition after meeting performance criteria.
Path to Live (Pro): After 3 consecutive payouts or when excess profits above the $100K payout cap are moved to live (up to $7,500). Live account funding ranges from $3,000–$7,500.
Take Profit Trader: The Day-One Withdrawal Model
TPT's $100K plan has the most contracts of any firm at this tier (12 minis) and no payout caps. At $330/month it's a serious subscription commitment, but the funded rules are straightforward.
Evaluation Rules (Test $100K)
- Cost: $330/month (subscription)
- Profit Target: $6,000
- Max Trailing Drawdown: $3,000 (End of Day)
- Daily Loss Limit: None
- Consistency Rule: 50%
- Minimum Trading Days: 5
- Max Contracts: 12 contracts / 120 micros
- Activation Fee: $130 one-time
PRO Account Rules (Funded $100K)
- Drawdown: $3,000 — Intraday trailing
- Drawdown Lock: Stops trailing at $100,000 (starting balance)
- Daily Loss Limit: None
- Consistency Rule: None in PRO
- Buffer Requirement: $3,000
- Profit Split: 80/20
- Max Withdrawal: No cap
- Payout Timing: Day-one eligible (above buffer)
- Max PRO Accounts: 5
- PRO Account Resets: Up to 3
- Weekly Activity: Must trade at least 1 day per calendar week
- No Trading Bots/Algos: All trades must be manual
- News Restrictions: Must be flat 1 minute before/during/after FOMC, NFP, and CPI releases.
PRO+ Upgrade
- Drawdown Type: End of Day (no more intraday trailing)
- Profit Split: 90/10
- Buffer Requirement: None
Hidden Catches & Warnings
MFF Rapid: The $100 Max Loss Lock
On MFF Rapid, the intraday trailing drawdown locks at $100. After taking profits, your account can be terminated by a $100 loss. At a $100K account size, this is disproportionately punishing. MFF Pro's lock at $100,100 is far more survivable.
Tradeify Daily: Tighter Drawdown Than Flex
At $100K, the Tradeify Select Daily funded plan has a $2,500 max drawdown—$500 less than the Flex plan's $3,000. It also adds a $1,250 daily loss limit. If you choose Daily for the faster payouts, you're accepting a materially tighter risk framework.
MFF: Account Limit Drops to 3
At the $100K and $150K tier, MFF limits traders to 3 sim-funded accounts total (down from 5 for $25K/$50K plans). This significantly limits the multi-account rotation strategies that many traders use at lower tiers.
Lucid: $1,800 DLL + 40% Consistency + Scaling DLL
Lucid's $100K account has three overlapping risk constraints: a $1,800 fixed daily loss limit, a 40% consistency rule per payout cycle, and a scaling DLL (60% of peak EOD gain). This is the most restrictive funded rule set in this comparison. Only choose Lucid if you're naturally a consistent, small-daily-gain trader.
No MFF Flex at $100K
MFF's budget-friendly Flex plan is only available for $25K and $50K accounts. At $100K, your MFF options are Rapid ($267/mo) or Pro ($344/mo). This makes the entry cost significantly higher than lower tiers.
TPT: Highest Total Cost
TPT's $100K plan costs $330/month plus a $130 activation fee—the highest total upfront cost in this comparison. If you fail to pass within 1 month, you're paying more per month than any other firm. However, the uncapped payouts and 12-contract limit provide the most freedom once funded.
Which Firm Is Best For You?
Best Overall Value
Tradeify Select (Flex) — $159 one-time with no activation fee, 90/10 split, EOD drawdown ($3,000), no buffer, and 8/80 contract slots. The most cost-effective $100K account available.
Fastest to Pass
Lucid LucidPro — Pass in a single day with no consistency rule. The $1,800 DLL is the trade-off. At $285 (or ~$200 with coupon), it's a one-time purchase with no recurring costs.
Best for Maximum Payout Potential
MFF Pro — $100,000 total payout capacity, real $100K starting balance, EOD drawdown, MLL locks at $100,100. The 80/20 split and $344/mo cost are premium, but the long-term earning potential and survivability are the best at this tier.
Best for Uncapped Withdrawals
Take Profit Trader — No payout caps, 12 contract slots, and day-one withdrawals. The highest monthly cost but the most freedom once funded. Best for experienced traders who can handle intraday trailing drawdown.
Best for Daily Cash Flow
MFF Rapid — Daily payouts with 90/10 split and 10 contract slots. But the intraday trailing drawdown and $100 lock make this high-risk. Only for traders who can extract profits quickly and consistently.
Best Budget Option
Tradeify Select ($159) — The only one-time purchase. No monthly bill, no activation fee. $159 for a $100K account is an exceptional cost-to-capital ratio.
Frequently Asked Questions
Which $100k prop firm has the cheapest evaluation?
Tradeify Select at $159 one-time. No monthly subscription, no activation fee. MFF Rapid is $267/month, Lucid LucidPro is $285 one-time, TPT is $330/month plus $130 activation, and MFF Pro is $344/month.
Is MFF Flex available at $100k?
No. MFF Flex is only available for $25K and $50K accounts. At $100K, MFF offers two plans: Rapid ($267/month) and Pro ($344/month).
Which firm pays out the fastest?
MFF Rapid and Tradeify Select Daily offer daily payouts. TPT allows day-one withdrawals once the $3,000 buffer is met. MFF Pro requires a 14-day wait from your first trade.
Does the Lucid $100k account have a daily loss limit?
Yes. The $100K LucidPro account has a $1,800 daily loss limit in both evaluation and funded stages. On funded accounts, there's also a scaling DLL equal to 60% of your peak EOD balance gain.
Which $100k account has the most contracts?
TPT leads with 12 minis / 120 micros. MFF Rapid and Pro funded accounts offer 10/100. Tradeify evaluation allows 8/80 (scaled on funded). Lucid and MFF Pro evaluation offer 6/60.
How many $100k funded accounts can I have?
Tradeify allows 5 funded accounts. TPT allows 5 PRO accounts. MFF limits traders with any 100K or 150K plan to 3 sim-funded accounts total. Lucid does not specify a hard account limit.
What's the difference between MFF Rapid and Pro at $100k?
Rapid ($267/mo) starts at $0 balance, uses intraday trailing drawdown, has 90/10 split, daily payouts, and the drawdown locks at $100. Pro ($344/mo) starts at $100,000, uses EOD drawdown, has 80/20 split, $100k max payout, and MLL locks at $100,100—far more survivable for long-term trading.
Which firm has the most generous drawdown?
All firms offer $3,000 max drawdown at the $100K tier (except Tradeify Daily which has $2,500). The key differentiator is drawdown type: Tradeify Flex, Lucid, and MFF Pro use EOD (friendliest). MFF Rapid and TPT PRO use intraday trailing (strictest). For strategies on managing drawdowns, see our guide to handling trading losses.
Sources & Disclaimer
All data in this article was compiled from each firm's official help center, knowledge base, and pricing pages as of April 2026. Rules, pricing, and policies change frequently. Always verify current rules directly with each firm before purchasing. Links: Tradeify Help · Lucid Help · MFF Help · TPT Help
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