Baccarat is famous for being the favorite game of high rollers, primarily because it offers one of the lowest House Edges in the casino. However, the math isn’t always straightforward. While betting on the “Player” pays 1:1, betting on the “Banker” usually incurs a 5% Commission.
Furthermore, modern casinos have introduced variants like No-Commission (Super 6) and EZ Baccarat to speed up the game. These variants replace the 5% tax with complex rules that can slash your payout in half under specific conditions. Our Baccarat Payout Calculator handles all these scenarios, showing you exactly how much money lands in your pocket after the dealer takes their cut.
Baccarat Calculator
How to Use the Calculator
This tool is designed to be your table-side companion for verifying payouts and tracking sessions. Here is how to configure it:
- Select Table Type:
- Standard: The classic game where Banker wins pay 95% (1:1 minus 5% commission).
- No-Commission (Super 6): Banker pays 1:1, unless they win with a score of 6 (pays 1:2).
- EZ Baccarat: Banker pays 1:1, but a win with a 3-card 7 (“Dragon 7”) is a Push.
- Choose Your Bet: Select Banker, Player, or Tie.
- Select Outcome: Choose “Standard Win” for normal hands. If you are playing a variant, you can select specific outcomes like “Banker wins with 6” to see how the payout changes.
- Review Results:
- Total Return: The total amount of chips pushed to you.
- Commission Paid: The specific dollar amount the house kept.
Real-World Examples: The “Commission Trap”
Understanding the difference between the table types can save you from unexpected losses. Here is how the math works in practice.
Example 1: The Standard Banker Win
You bet $100 on Banker at a standard table.
- The Result: Banker wins 8 to 5.
- The Math: A 1:1 win would be $100. The casino takes 5% ($5).
- Your Payout: You receive $195 total ($100 bet + $95 profit).
Example 2: The “Super 6” Surprise
You bet $100 on Banker at a “No Commission” table. You think you are getting a great deal because you don’t pay the 5% tax.
- The Result: Banker wins with a score of 6.
- The Trap: In this specific scenario, the payout is cut to 50%.
- Your Payout: You receive $150 total ($100 bet + $50 profit). You just paid a 50% commission effectively, which is much worse than the standard 5%.
Example 3: The EZ Baccarat Push
You bet $500 on Banker at an EZ Baccarat table.
- The Result: Banker wins with a 3-card total of 7 (The “Dragon 7”).
- The Outcome: Usually, this is a win. But in EZ Baccarat, this specific hand is a Push (Barred). You get your $500 back, but you win $0. This is how the casino keeps its edge without charging a commission on other hands.
Frequently Asked Questions (FAQ)
Why does the Banker bet have a commission?
The Banker hand acts second and has a positional advantage, winning 45.86% of hands compared to the Player’s 44.62%. Without the 5% commission, the player would have a mathematical edge over the casino. The commission balances the odds back in the house’s favor.
Which Baccarat version is the best to play?
Mathematically, Standard Baccarat (5% Commission) has the lowest House Edge on the Banker bet (1.06%). The “No-Commission” variants often have a slightly higher house edge (around 1.46%) due to the harsh penalties on the “Super 6” or “Dragon 7” hands.
Is the Tie bet worth playing?
No. While the 8:1 payout looks attractive, the Tie bet has a massive House Edge of over 14%. It is considered one of the worst bets in the entire casino. Stick to Banker or Player.