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 can cost you hundreds of dollars over a single session. Our Blackjack Payout Calculator does the math instantly, showing you exactly how many chips the dealer should slide your way for every possible scenario—from simple wins to complex Double Downs and Splits.
Winnings Calculator
How to Use the Calculator
This tool helps you audit your game and understand the financial mechanics of Blackjack. Here is how to configure it:
- Select Table Payout Rule: This is the most critical setting.
- 3:2 (Standard): The gold standard. A $10 winning Blackjack pays $15.
- 6:5 (Vegas Strip): The bad rule. A $10 winning Blackjack pays only $12. Always check the felt before sitting down!
- Enter Your Initial Bet: How much are you putting in the circle?
- Choose the Outcome: Select what happened in the hand.
- Standard Win: Regular payout (1:1).
- Blackjack: Pays at the 3:2 or 6:5 rate.
- Double Down: Calculates the payout based on doubling your risk.
- Split: Shows the math for winning both, losing both, or breaking even (“The Wash”).
- Review the Results:
- Total Payout: The total pile of chips pushed to you (Winnings + Your Original Bet).
- Net Profit: The actual amount of money you gained.
Related Tools: If you want to know the probability of getting that Blackjack in the first place, check our True Count Calculator. To understand if you are betting too much for your budget, use the Blackjack Bankroll Calculator.
Real-World Examples: The Cost of Rules
Why does the payout ratio matter so much? Let’s look at the numbers.
Example 1: The 6:5 Trap
You bet $100 and hit a natural Blackjack.
- At a 3:2 Table: You win $150 profit.
- At a 6:5 Table: You win $120 profit.
- The Difference: You effectively paid a $30 “tax” just for sitting at the wrong table. Over a weekend trip, this adds up to significant lost value.
Example 2: The Double Down
You bet $50 on an 11 vs. Dealer 6. You choose to Double Down.
- The Risk: You must place another $50, making your total investment $100.
- The Payout: If you win, you get your $100 back plus $100 profit. Total return: $200.
- The Math: Beginners often forget that Doubling Down doubles the risk as well as the reward.
Example 3: The Split “Wash”
You Split 8s against a Dealer 10 (Bet $25). You win one hand and lose the other.
- Result: Hand A wins $25. Hand B loses $25.
- Net Profit: $0.
- Total Payout: The dealer takes the losing chips and pays the winning chips. You end up with exactly what you started with. This is commonly called “Breaking Even” or “The Wash.”
Frequently Asked Questions (FAQ)
What does “3 to 2” mean in Blackjack?
“3 to 2” describes the payout odds for a natural Blackjack. For every 2 units you bet, you win 3 units. For example, a $2 bet wins $3. A $10 bet wins $15. This is the standard payout for a fair game.
Does Insurance pay 2:1 or 3:2?
Insurance always pays 2:1. However, because you are only allowed to bet half your original stake on Insurance, a winning Insurance bet usually results in a “Push” (Break Even) for the entire round if the dealer has Blackjack.
What happens on a “Push”?
A “Push” is a tie. If you and the dealer have the same total (e.g., you both have 18), no money changes hands. You simply keep your original bet. Your Net Profit is $0.