One of the most common questions at the table is: “I bet $50 and got a Blackjack — how much do I win?” The answer depends on the outcome and the table rules. A standard win pays 1:1, a natural pays 3:2 or 6:5, a double down changes the amount at risk, and insurance is a separate side bet with its own math.
Use this calculator to see total chips returned, net profit or loss, amount at risk, and the cost of playing at a 6:5 table compared with 3:2. The tool covers standard wins, natural blackjack, even money, double downs, splits, surrender, pushes, and insurance.
Blackjack Payout Calculator
Calculate total return, net profit, amount at risk and the real cost of 6:5 vs 3:2 blackjack.
Need more than payout math? Browse our blackjack payout, EV and strategy calculators to estimate house edge, model bankroll risk, generate a strategy chart, and practice card counting.
What This Calculator Shows
The tool separates three numbers that players often mix up:
- Amount at risk: the money actually on the table for that hand or side bet.
- Total chips returned: the full stack pushed back to you, including the returned stake.
- Net profit or loss: the real gain or loss after subtracting the stake.
For example, a $50 standard win returns $100 in chips (your $50 stake plus $50 profit). The total return is $100, but the net profit is only $50.
How to Use the Calculator
- Enter your initial bet: the chip amount placed in the betting circle.
- Select payout rule: 3:2 (standard), 6:5 (reduced), even money (1:1), or a custom multiplier for promotional tables (such as 7:5 = 1.4).
- Choose the hand outcome: standard win, natural blackjack, double down, split (with four sub-outcomes), insurance, surrender, push, or loss.
- Open Advanced options if you want to model hourly cost and session cost of a 6:5 table based on hands per hour and session length.
- Read the result: Net result is the change in your bankroll. The detail box explains the math and compares 3:2 vs 6:5 profit at your bet size.
Quick Payout Reference Table (3:2 Standard)
Memorize these payouts for a fair 3:2 game. The table now includes $60, the most-asked specific bet size on this page.
| Initial Bet | Standard Win (1:1) | Blackjack (3:2) | Double Down Win | Surrender Loss |
|---|---|---|---|---|
| $10 | +$10 | +$15.00 | +$20 | -$5.00 |
| $25 | +$25 | +$37.50 | +$50 | -$12.50 |
| $50 | +$50 | +$75.00 | +$100 | -$25.00 |
| $60 | +$60 | +$90.00 | +$120 | -$30.00 |
| $100 | +$100 | +$150.00 | +$200 | -$50.00 |
Payout Formulas Reference
Each outcome follows a simple formula. Profit is what you gain above the stake; total return includes the stake.
| Outcome | Profit Formula | Total Return Formula |
|---|---|---|
| Standard win | Bet × 1 | Bet × 2 |
| Natural 21 at 3:2 | Bet × 1.5 | Bet × 2.5 |
| Natural 21 at 6:5 | Bet × 1.2 | Bet × 2.2 |
| Double down win | Bet × 2 | Bet × 4 |
| Surrender | −Bet × 0.5 | Bet × 0.5 |
| Push | $0 | Bet returned |
| Insurance win | $0 (net push) | Bet × 1.5 |
The Real Cost: 3:2 vs 6:5
The most expensive rule change in casino blackjack is the natural payout. The odds of being dealt a blackjack do not change at a 6:5 table — only the amount you win is reduced. The 6:5 rule alone adds roughly 1.36% to the house edge.
| Initial Bet | 3:2 Profit | 6:5 Profit | Lost per BJ | Extra Cost / Hour* |
|---|---|---|---|---|
| $10 | $15.00 | $12.00 | -$3.00 | -$11.43 |
| $25 | $37.50 | $30.00 | -$7.50 | -$28.57 |
| $50 | $75.00 | $60.00 | -$15.00 | -$57.14 |
| $60 | $90.00 | $72.00 | -$18.00 | -$68.57 |
| $100 | $150.00 | $120.00 | -$30.00 | -$114.29 |
*Assumes 80 hands/hour and a natural blackjack frequency of about 1 in 21 hands (≈3.81 naturals/hour). Extra Cost / Hour = Lost per BJ × 3.81.
At a $25 table, a 6:5 rule costs about $28.57 per hour. Over a 4-hour session, that is roughly $114 in lost payouts before the house edge on regular hands is even calculated. To see the full cumulative impact of every table rule, input your casino’s exact parameters into the Blackjack House Edge Calculator.
Real-World Examples
Example 1: The $60 Bet
You bet $60 and hit a natural blackjack. At 3:2 you win $90. At 6:5 you win only $72. That $18 difference happens roughly once every 21 hands. Over a weekend playing 600 hands, you will get about 29 blackjacks — a 6:5 table costs you $522 in lost payouts compared to a 3:2 game with the same hands.
Example 2: The Double Down
You bet $50 on an 11 against a dealer 6. Basic strategy says double down. You put another $50 at risk (total $100). If you win, you collect $100 in net 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 with a $25 bet, putting another $25 at risk. You win the first hand and lose the second. Net profit: $0. While this feels like a wasted decision, basic strategy is clear: splitting 8s is always correct because playing a hard 16 against a 10 has a much worse expectation. The split converts one terrible hand into two mediocre ones.
Example 4: Insurance — The Sucker Bet
The 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 the insurance pays 2:1 (+$100). Net result: break-even. If the dealer does not have blackjack, you lose the $50 insurance and play continues with the original $100. Insurance has a house edge of about 7.4% — basic strategy says decline. Card counters only take it at a true count of +3 or higher.
How Split Payouts Work
A split converts one starting hand into two separate hands. If your original bet is $25, splitting usually requires another $25, so the total amount at risk becomes $50.
| Split Result | Net Profit / Loss | Explanation |
|---|---|---|
| Win both hands | +$50 on a $25 original bet | Both hands win 1:1 |
| Lose both hands | −$50 on a $25 original bet | Both wagers lose |
| Win one, lose one | $0 | One win cancels one loss |
| Win one, push one | +$25 on a $25 original bet | One hand wins, the other is returned |
Some casinos restrict resplitting, doubling after split, or splitting Aces. These rules affect strategy and house edge, but the payout math for each settled hand remains based on the wager assigned to that hand.
Total Payout vs Net Profit
Blackjack payout discussions often confuse two different numbers. This page uses these definitions:
- Total chips returned: the full amount you receive after settlement, including the returned stake.
- Net profit: the amount you gained after subtracting the money you risked.
- Net loss: the amount you lost from the wager or side bet.
For example, if you bet $100 and win a normal hand, the dealer returns $200 in chips ($100 stake plus $100 profit). The total return is $200, but the net profit is $100. The calculator shows both numbers separately to avoid confusion.
Related Blackjack Tools
- House Edge Calculator — full impact of all table rules on the casino edge.
- Basic Strategy Calculator — optimal decision for any hand against any dealer upcard.
- Decision EV Calculator — exact expected value for hit, stand, double, and split.
- Bankroll Calculator — sizing your bankroll based on bet size and edge.
- Variance Calculator — standard deviation, N0, and confidence bands.
- Session Variance Simulator — Monte Carlo simulation of session outcomes.
- Card Counting Guide — when insurance and other deviations actually become profitable.
- True Count Calculator — running count to true count conversion.
Frequently Asked Questions
What does 3:2 mean in blackjack?
3:2 is the standard payout for a natural blackjack. For every $2 you bet, you win $3 in profit. A $10 blackjack wins $15, a $25 bet wins $37.50, a $60 bet wins $90, and a $100 bet wins $150.
What does 6:5 mean in blackjack?
6:5 is a reduced blackjack payout. For every $5 you bet, you win $6 in profit. A $60 blackjack wins $72 at 6:5 instead of $90 at 3:2. A $100 blackjack wins $120 at 6:5 instead of $150 at 3:2.
How much does 6:5 cost compared to 3:2?
The difference is 30% of the original bet every time you are dealt a natural blackjack. At a $25 table, 3:2 pays $37.50 profit while 6:5 pays $30, a $7.50 loss per blackjack. With 80 hands per hour, that costs about $28.57 extra per hour. The 6:5 rule alone adds roughly 1.36% to the house edge.
How much do you win with a $60 bet on blackjack?
It depends on the outcome and the table rule. A $60 standard win pays $60 profit. A $60 natural blackjack pays $90 at 3:2 or $72 at 6:5. A $60 double down win pays $120. A $60 surrender returns $30. A $60 push returns the original $60 with no profit.
Does insurance pay 2:1 or 3:2?
Insurance pays exactly 2:1. It is a separate side bet, usually limited to half the original wager, and wins only if the dealer has blackjack. Insurance has a house edge of about 7.4% and basic strategy says to decline it unless you are counting cards at a true count of +3 or higher.
What happens on a push in blackjack?
A push is a tie between you and the dealer. Your original bet is returned with no profit and no loss. Pushes occur on roughly 8.5% of all hands. They are not the same as a loss; they are a separate third outcome alongside win and loss.
How does a double down payout work?
A double down adds a second wager equal to the original bet, doubling the amount at risk. You receive exactly one more card. If you win, the payout is 1:1 on the entire doubled amount. A $50 double down puts $100 at risk and wins $100 in profit (total return $200).
Is total payout the same as net profit?
No. Total payout (or total chips returned) includes your returned stake. Net profit is only the amount you gained above what you risked. A $100 standard win returns $200 total chips ($100 stake plus $100 profit). The total return is $200, but the net profit is $100.