notluck / Baccarat

Baccarat loss calculator

Baccarat is pure chance: once you've bet, there are no decisions left. The only thing you control is which bet you make and how often.

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Estimated loss

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Lucky player top 10%

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Average player the middle

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Unlucky player bottom 10%

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Chance of profit

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Estimates based on the RTP and pace you entered. Lucky and unlucky outcomes are approximate. How the numbers work

Your balance over time

    Baccarat odds and house edge

    Banker (5% commission)House edge 1.06%
    PlayerHouse edge 1.24%
    Tie (pays 8 to 1)House edge 14.36%
    Typical pace (estimate)Roughly 40–70 hands an hour live; faster online
    Average cost per hour at $10.00 a bet$5.30 ($500.00 wagered)

    Banker wins slightly more often than Player, so the casino takes a 5% commission on Banker wins. Even after that, Banker is the cheapest bet on the table at 1.06%.

    The Tie bet pays 8 to 1 and looks tempting, but its edge is 14.36%, more than thirteen times the Banker bet. Pick "Tie bet" in the calculator above to see what betting on ties costs.

    Scorecards and "roads" track past results, but they don't predict the next hand.

    Expected loss = bet × bets per hour × hours played × house edge

    House edges for table games and video poker are exact, worked out from the rules. Slot RTPs vary by game and casino. Bets per hour are estimates, so change them to match how you play. The lucky and unlucky lines are an approximation showing the top and bottom 10% of players.

    Sources

    1. Wizard of Odds: Baccarat basics
    2. Wizard of Odds: House edge of casino games compared
    3. Las Vegas Advisor: EZ Baccarat
    4. Global Gaming Business: Hourly hand decisions in baccarat

    FAQ

    What is the best bet in baccarat?

    Banker, at a 1.06% house edge. Player is close behind at 1.24%. Avoid Tie.

    Is no-commission baccarat better?

    It depends on the version. In EZ Baccarat, where a three-card Banker 7 is a push, the Banker edge is about 1.02%, close to the standard game. Other versions pay only half on a Banker win with 6, which costs more. Check the rules on the table.

    Do baccarat patterns work?

    No. Patterns on the scoreboard are a record of past hands and don't change the odds of the next one.

    Do you take money from casinos?

    No. notluck has no casino affiliates and no gambling ads.

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