Baccarat is simple to play, but not every table pays the same way. This Baccarat Payout Calculator shows your exact return for Banker, Player, and Tie bets across Standard Baccarat, Super 6 / No-Commission Baccarat, and EZ Baccarat.
Use it to check 5% banker commission, Super 6 half-pay banker wins, and EZ Baccarat Dragon 7 pushes — because two tables that look the same can have meaningfully different house edges.
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). Banker House Edge: 1.06%.
- No-Commission (Super 6): Banker pays 1:1, unless they win with a score of 6 (pays 1:2). Banker House Edge: ~1.46% — higher than Standard due to the severe Super 6 penalty.
- EZ Baccarat: Banker pays 1:1, but a win with a 3-card 7 (“Dragon 7”) is a Push. Banker House Edge: ~1.02% — slightly better than Standard.
- Choose Your Bet: Select Banker, Player, or Tie. The outcome options will adjust to show only relevant scenarios for your chosen bet and table type.
- 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 (bet + profit).
- Net Profit: What you actually gained or lost.
- Commission / Adjustment: The specific dollar amount the house kept (5% on Standard) or the rule-based penalty applied (Super 6 half-pay, EZ Dragon 7 push).
- House Edge: The theoretical long-term advantage of the house on your selected bet type and table variant.
Related tools: for session-level bankroll analysis with casino games, see our Roulette Bankroll Calculator or Martingale Simulator. For general casino math, check the Probability After N Attempts Calculator.
Comparing Table Types: Which Has the Lowest House Edge?
| Table Type | Banker HE | Player HE | Tie HE (8:1) | The Catch |
|---|---|---|---|---|
| Standard (5% Comm) | 1.06% | 1.24% | 14.36% | 5% commission on every Banker win |
| No-Commission (Super 6) | ~1.46% | 1.24% | 14.36% | Banker wins with 6 pay only 50% |
| EZ Baccarat | ~1.02% | 1.24% | 14.36% | Banker wins with 3-card 7 are Push |
Bottom line: if you always bet Banker, EZ Baccarat offers the lowest house edge at ~1.02%. Standard Baccarat (5% commission) is close behind at 1.06%. No-Commission / Super 6 tables look appealing because there is no per-hand commission, but the severe 50% penalty on Banker wins with 6 pushes the house edge to ~1.46% — the worst of the three for Banker bettors.
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 effectively paid a 50% penalty on this hand, which is far 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 maintains 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?
For the Banker bet, EZ Baccarat usually has the lowest house edge at ~1.02%, slightly better than Standard Baccarat at 1.06%. No-Commission / Super 6 is the worst of the three for Banker bets at ~1.46%, because Banker wins with a total of 6 pay only 50%. If you always bet Banker, EZ Baccarat or Standard are your best options.
Is the Tie bet worth playing?
At the common 8:1 payout, the Tie bet has a house edge of about 14.36% — one of the worst bets in the casino. Some tables pay 9:1, which drops the edge to roughly 4.84%, a significant difference. Always check the paytable before betting Tie.
What happens to my bet when the result is a Tie?
If you bet on Banker or Player and the result is a Tie, your bet is returned — it is a push. You do not win or lose anything. Only bets placed specifically on Tie win (paying 8:1 or 9:1 depending on the table). This is why ties do not significantly affect the long-term house edge on Banker and Player bets.
Does this calculator work for online live dealer baccarat?
Yes, as long as you select the correct table type. Most online live dealer games use either Standard (5% commission) or No-Commission rules. Check the table info overlay in your live casino to confirm which variant you are playing — the payout rules differ significantly.
Are baccarat side bets worth playing?
Generally, no. Side bets like Player Pair (11:1), Banker Pair (11:1), and Perfect Pair (25:1) carry house edges of 10–13%, far higher than the main Banker and Player bets. They add excitement but are mathematically poor wagers on their own merits.