One of the most common questions at the casino table is: “I bet $50 and got a Blackjack — how much do I win?”
The answer depends entirely on the table rules. A standard table pays 3:2, while a “tourist trap” table pays 6:5. That small difference costs hundreds of dollars over a single session. This calculator shows your exact payout for every scenario — from simple wins to double downs, splits, insurance, and surrender.
Winnings Calculator
How to Use the Calculator
- Select Table Payout Rule: Toggle between 3:2 (standard) and 6:5. A $10 blackjack pays $15 at 3:2 but only $12 at 6:5. Always check the felt before sitting down.
- Enter Your Bet: The amount in the betting circle.
- Choose the Outcome: Select what happened — standard win, blackjack, double down, split (both/one), insurance, surrender, push, or loss.
- Read the Results: Total Payout is the pile of chips pushed to you (winnings + original bet). Net Profit is the actual money you gained or lost.
Quick Payout Reference Table
Don’t want to pull out a calculator mid-hand? Here are the payouts for common bet sizes at a standard 3:2 table:
| Bet | Standard Win (1:1) | Blackjack (3:2) | Double Down Win | Surrender |
|---|---|---|---|---|
| $10 | +$10 | +$15 | +$20 | -$5 |
| $25 | +$25 | +$37.50 | +$50 | -$12.50 |
| $50 | +$50 | +$75 | +$100 | -$25 |
| $100 | +$100 | +$150 | +$200 | -$50 |
3:2 vs 6:5: The Real Cost
The most expensive mistake in blackjack is sitting at a 6:5 table. Here is what it costs you at every bet level:
| Bet | BJ Profit (3:2) | BJ Profit (6:5) | Loss per BJ | Loss per Hour* |
|---|---|---|---|---|
| $10 | $15 | $12 | -$3.00 | -$11.43 |
| $25 | $37.50 | $30 | -$7.50 | -$28.57 |
| $50 | $75 | $60 | -$15.00 | -$57.14 |
| $100 | $150 | $120 | -$30.00 | -$114.29 |
*Assumes 80 hands/hour, natural blackjack frequency ≈ 1 in 21 hands (3.8 BJs/hour). Loss per Hour = Loss per BJ × 3.8.
A $25 bettor loses an extra $28.57 per hour at a 6:5 table — over $114 per 4-hour session. This is money you lose before the house edge on regular hands even kicks in. To see the full impact on your game’s house edge, plug the rules into the House Edge Calculator.
Real-World Examples
Example 1: The 6:5 Trap
You bet $100 and hit a natural blackjack. At 3:2 you win $150. At 6:5 you win $120. That $30 difference happens roughly once every 21 hands. Over a weekend playing 600 hands, you will get about 29 blackjacks — costing you $870 in lost payouts at the 6:5 table.
Example 2: The Double Down
You bet $50 on an 11 vs dealer 6. You double down, putting another $50 at risk (total $100). If you win, you collect $100 in profit (total return $200). The Decision EV Calculator shows this is one of the most profitable plays in blackjack — the EV of doubling 11 vs 6 is about +$0.33 per dollar wagered.
Example 3: The Split “Wash”
You split 8,8 against a dealer 10 ($25 bet). You win one hand and lose the other. Net profit: $0. This feels like a waste, but basic strategy is clear: splitting 8,8 is always correct because playing a hard 16 against a 10 is even worse. The split converts one terrible hand into two mediocre ones.
Example 4: Insurance — The Sucker Bet
Dealer shows an Ace. You have a $100 bet. The casino offers insurance for $50 (half your bet). If the dealer has blackjack, your main bet loses (-$100) but insurance pays 2:1 (+$100). Net result: break even. If the dealer doesn’t have blackjack, you lose the $50 insurance and play continues. Insurance has a house edge of about 7.5% — card counters take it only at true count +3 or higher.
Related Blackjack Tools
- House Edge Calculator — How table rules (including payout) affect the casino’s advantage
- Basic Strategy Calculator — Optimal play for every hand
- Decision EV Calculator — Exact EV for Hit/Stand/Double/Split
- Bankroll Calculator — How much to bring based on your bet size and edge
- Session Simulator — Monte Carlo simulation of realistic session outcomes
- Variance Calculator — SD per hand, N0, and confidence bands
- Card Counting Guide — When insurance actually becomes profitable
- True Count Calculator — Running count to true count conversion