Baccarat Calculator

Author: Henrick Yau
- 1 October 2026
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Calculators

Track results, calculate odds, and optimize your betting strategy
Baccarat Odds & Payouts
Banker Bet
Probability:
45.86%
House Edge:
1.06%
Payout:
0.95:1
Wins if the Banker hand has a higher total. 5% commission on wins.
Player Bet
Probability:
44.62%
House Edge:
1.24%
Payout:
1:1
Wins if the Player hand has a higher total.
Tie Bet
Probability:
9.52%
House Edge:
14.36%
Payout:
8:1
Wins if both hands have the same total.
Pair Bet
Probability:
7.47%
House Edge:
10.36%
Payout:
11:1
Wins if first two cards of selected hand form a pair.
Expected Value Calculator
Expected Value
-$1.06
Average expected loss per bet
Expected Return
-1.06%
Return percentage per bet
Total Expected Value
-$106.00
Expected loss over all hands
Commission Calculator
Commission Amount
$5.00
Amount deducted from winnings
Net Winnings
$95.00
Total after commission
Game Results Tracker
Total Hands:
0
Banker Wins:
0 (0.00%)
Player Wins:
0 (0.00%)
Ties:
0 (0.00%)
Recent Results
Pattern Analysis
Last 10 Hands:
Banker Streak:
Current: 0 | Max: 0
Player Streak:
Current: 0 | Max: 0
Alternating Pattern:
Current: 0 | Max: 0
Betting Strategy Calculator

Flat Betting is the simplest betting strategy where you bet the same amount on every hand.

This strategy has the lowest risk and provides the most predictable outcomes. While you won't recover losses quickly, you also won't accelerate losses during a losing streak.

Flat betting is recommended for beginners and players looking to extend their bankroll for longer periods of play.

Strategy Parameters
Strategy Simulation Results
Final Bankroll
$1000.00
After simulation
Net Profit/Loss
$0.00
Change in bankroll
Win Rate
0.00%
Percentage of winning hands
Ruin Probability
0.00%
Chance of losing all
Key Metrics
Max Bankroll:
$1000.00
Min Bankroll:
$1000.00
Largest Win:
$0.00
Largest Loss:
$0.00
Longest Win Streak:
0
Longest Loss Streak:
0
Average Bet Size:
$25.00
Return on Investment:
0.00%
Baccarat Game Simulator
Player Hand
Total: 0
Banker Hand
Total: 0
Place your bets
Hands Played:
0
Current Bankroll:
$2000.00
Profit/Loss:
$0.00
Banker Wins:
0 (0.00%)
Player Wins:
0 (0.00%)
Ties:
0 (0.00%)

About Baccarat

Baccarat is a comparing card game played between two hands, the "player" and the "banker". Each baccarat coup (round of play) has three possible outcomes: "player" (player has the higher score), "banker", and "tie".

The game has one of the lowest house edges among casino games, particularly when betting on the Banker hand (1.06%).

Baccarat Rules

Card Values
  • Cards 2-9 are worth their face value
  • 10, J, Q, K are worth 0 points
  • Ace is worth 1 point
  • Hand value is the rightmost digit of the sum
Gameplay
  • Each hand receives 2 initial cards
  • A third card may be drawn based on fixed rules
  • Hand with total closest to 9 wins
  • Banker wins ties (with 5% commission)
Third Card Rules
  • Player draws if total is 0-5, stands on 6-9
  • Banker follows complex rules based on player's action
  • Natural 8 or 9 stops both hands from drawing

This calculator is designed for entertainment and educational purposes only. Gambling involves risk and should be done responsibly. Past results do not guarantee future outcomes.

What the Baccarat Calculator Does

The Baccarat Calculator is a multi-functional tool designed to help players make informed betting decisions by analysing game outcomes, calculating odds, estimating returns, and simulating strategies.

Whether you are tracking your betting history, checking the probability of different outcomes, or testing various wagering strategies, this gambling calculator provides key insights for baccarat players of all experience levels.

Odds, Expected Value, Commission and Strategy Tools

  • Odds Estimation: View probabilities, payouts, and house edges for Banker, Player, Tie, and Pair bets.
  • Expected Value Calculator: Estimate average return and potential losses over multiple hands.
  • Commission Calculator: Calculate net winnings after house commission on Banker bets.
  • Results Tracker: Log game results, monitor trends, and analyse outcome patterns.
  • Betting Strategy Simulator: Try out betting systems like Flat, Martingale, Paroli, Fibonacci, and more.
  • Game Simulator: Simulate real baccarat hands using customisable game settings and bankroll.

Formula Used in Expected Value Calculation

Expected Value (EV) = Bet Amount ร— (- House Edge)
Total EV = Expected Value ร— Number of Hands
Expected Return (%) = - House Edge ร— 100

Using the Odds, Tracker and Simulator Tabs

The Baccarat Calculator includes several tools grouped under different tabs. Here is how to use each one effectively:

1. Odds Calculator

  • Select your bet type (e.g., Banker, Player, Tie, Pair).
  • Enter your bet amount and number of hands you plan to play.
  • Click "Calculate Expected Value" to view your estimated return, EV, and risk assessment.

2. Commission Calculator

  • Input your winnings from a Banker bet and the commission rate.
  • Click "Calculate Commission" to see your net profit after deductions.

3. Results Tracker

  • Log results after each hand: Banker, Player, or Tie.
  • Track total outcomes, current streaks, and pattern detection.
  • Use the visual chart and export feature to review your performance.

4. Betting Strategy Simulator

  • Choose a betting strategy and enter your initial bankroll and bet amount.
  • Adjust specific parameters based on the strategy.
  • Simulate multiple hands to see performance, ROI, and winning streaks.

5. Game Simulator

  • Select the number of decks, table limits, and your bet type.
  • Play individual hands or run auto-simulations to observe outcomes.
  • Track bankroll changes and win statistics in real-time.

Benefits for Betting Decisions and Risk Management

This tool functions as an odds probability tool and betting odds guide for baccarat players. It supports smart decision-making by combining odds breakdown, wager analysis, and risk management into one platform.

You can assess the true cost of each bet type, estimate your long-term returns, and compare strategy outcomesโ€”all vital for players looking to better understand game dynamics and betting ROI.

Questions about Baccarat Odds and Strategy

What is the most favourable bet in baccarat?

The Banker bet has the lowest house edge at 1.06%, making it statistically the best option over time.

What does the Expected Value tell me?

Expected Value (EV) tells you how much you are likely to win or lose per bet, on average. A negative EV indicates a long-term loss.

Does the tool help with strategy planning?

Yes. The simulator helps evaluate popular systems like Martingale and Paroli, showing their effects on bankroll and success rate.

Is this a guaranteed way to win?

No. This calculator is a gambling odds tool that improves your understanding of the game. It does not guarantee winnings and should be used responsibly.

Can I use it for live baccarat?

Yes. You can use the results tracker and commission calculator during live sessions to make better-informed decisions.

Analysing Play with Odds and Simulations

The Baccarat Calculator brings powerful features from various betting calculators into one easy-to-use tool. It is especially valuable for those interested in stake evaluation, payout probability, and strategy simulations.

Use it to analyse your play, understand betting odds better, and fine-tune your approachโ€”whether you are a casual player or exploring deeper betting odds analysis.