Use this bet calculator to work out your returns on singles, doubles, trebles, accumulators and full-cover bets such as the Lucky 15, Yankee and Heinz. Pick a bet type, enter your stake and the odds for each selection, then set each selection to win, lose or void to see exactly what you would get back.
- Pick a bet type, enter your stake per bet and the odds for each selection.
- The stake is per bet, so a Lucky 15 at €1 costs €15 and an each-way bet costs double.
- Return includes your stake. Profit is your return minus your total stake.
You can enter odds as fractions (5/2), decimals (3.5), evens or American (+150, -120). Leave a selection as a winner to see the best case, or change it to lose or void to see what a partly successful bet pays.
What does a bet calculator do?
A bet calculator takes the odds on each selection and works out what every bet in your slip pays. For a single that is one sum. For an accumulator the odds are multiplied together. For full-cover bets like a Lucky 15 the calculator works out every combination of selections, adds up what each one returns, and shows the total.
The sums are the same whichever licensed bookmaker you use. What differs between bookmakers is the terms around the bet, such as each-way places, bonuses and how they treat non-runners. See our guide to checking a bookmaker is licensed before you open an account.
Bet types the calculator covers
Singles and accumulators put all your money on one outcome, so every selection must win. Full-cover bets split your stake across many combinations, so you can still be paid if only some selections win. Here is how many bets each one contains.
| Bet type | Selections | Number of bets | What is in it |
|---|---|---|---|
| Single | 1 | 1 | One bet on one selection |
| Double | 2 | 1 | Both selections must win |
| Treble | 3 | 1 | All three must win |
| Accumulator | 4 or more | 1 | All selections must win |
| Trixie | 3 | 4 | 3 doubles and 1 treble |
| Patent | 3 | 7 | 3 singles, 3 doubles and 1 treble |
| Yankee | 4 | 11 | 6 doubles, 4 trebles and 1 fourfold |
| Lucky 15 | 4 | 15 | 4 singles plus a Yankee |
| Canadian (Super Yankee) | 5 | 26 | 10 doubles, 10 trebles, 5 fourfolds, 1 fivefold |
| Lucky 31 | 5 | 31 | 5 singles plus a Canadian |
| Heinz | 6 | 57 | 15 doubles, 20 trebles, 15 fourfolds, 6 fivefolds, 1 sixfold |
| Lucky 63 | 6 | 63 | 6 singles plus a Heinz |
| Super Heinz | 7 | 120 | Every combination from doubles up to a sevenfold |
| Goliath | 8 | 247 | Every combination from doubles up to an eightfold |
For a closer look at each one, read our guide to betting bet types explained. If you mainly want the Lucky 15, Lucky 31 or Lucky 63, use the dedicated Lucky 15 calculator.
How are accumulator returns worked out?
In an accumulator your winnings from the first selection are rolled onto the second, then the third, and so on. The quickest way to calculate it is to convert each price to decimal odds and multiply them together. Multiply the result by your stake to get your total return.
Take a €10 accumulator on three selections at 2/1, 5/2 and 6/4. In decimal odds those are 3.0, 3.5 and 2.5. Multiply them: 3.0 × 3.5 × 2.5 = 26.25. A €10 stake returns €262.50, which is a profit of €252.50. If any one selection loses, the whole bet returns nothing.
Worked example: Lucky 15
A Lucky 15 has four selections and 15 bets. Say you put €1 on each bet, so your total stake is €15, with selections at evens, 2/1, 3/1 and 4/1 (decimal 2.0, 3.0, 4.0 and 5.0).
- All four win: singles return €14, doubles €71, trebles €154 and the fourfold €120. That is €359 in total, a profit of €344.
- Only the 4/1 selection wins: you are paid €5 from that single. That is a loss of €10 on your €15 stake.
- The 2/1 and 3/1 selections win: two singles return €3 and €4, and one double returns €12. That is €19 in total, a profit of €4.
- None win: you lose the full €15.
That is the appeal of a full-cover bet. You do not need every selection to win to get a return, but you pay for that cover with a much larger total stake.
Stake, return and profit explained
- Stake per bet is the amount you put on each individual bet in the slip. This is the figure you enter.
- Total stake is the stake per bet multiplied by the number of bets. A €2 Yankee has 11 bets, so it costs €22.
- Total return is everything you are paid, including your stake on winning bets.
- Profit is the total return minus the total stake.
Single bet: a quick worked example
A single bet is the simplest sum. Convert the price to decimal odds, then multiply by your stake. A €10 bet at 5/2 is 3.5 in decimal odds, so it returns €35 including your stake, which is €25 profit. To convert fractional odds to decimal, divide the top number by the bottom and add one: 5 ÷ 2 + 1 = 3.5.
Each-way bets and Rule 4 deductions
An each-way bet is two equal bets, one on the selection to win and one to place, so the stake doubles. A €5 each-way bet costs €10. Say the horse is 10/1 and the place terms are a quarter of the odds for three places. The place part pays at 10/1 × ¼ = 5/2.
- Horse wins: the win bet pays €50 profit and the place bet pays €12.50 profit. With your €10 stake back you receive €72.50.
- Horse places but does not win: only the place bet pays. You receive €17.50 (€12.50 profit plus the €5 place stake), and the €5 win stake is lost.
- Horse finishes outside the places: you receive nothing.
Rule 4 applies when a horse is withdrawn before the race and the market is reformed. Bookmakers deduct a share from the winnings of the remaining selections, and the size of the deduction depends on the price of the withdrawn horse. Typical deductions are:
| Price of withdrawn horse | Typical Rule 4 deduction |
|---|---|
| 5/4 to 6/4 | 40% |
| 5/2 to 3/1 | 25% |
| 10/3 to 4/1 | 20% |
| 9/2 to 11/2 | 15% |
| 6/1 to 9/1 | 10% |
| 10/1 to 14/1 | 5% |
For example, you back a horse at 5/1 for €10 and it wins, but a 4/1 horse was withdrawn and a 20% deduction applies. Your winnings of €50 are cut by 20% to €40, so you receive €50 including your stake instead of €60. Check your bookmaker’s own rules, because the exact table and the way it is applied can differ. Our each way calculator and the best odds guaranteed and each-way guide cover this in more detail.
Dead heats
In a dead heat two or more selections finish level and share the result. Your stake is divided by the number of selections that tied, and only the share on your selection is paid at full odds. A €10 win bet at 4/1 in a two-way dead heat is settled as a €5 winning bet and a €5 losing bet. The €5 winner returns €25 at 4/1 (5.0 in decimal), which is €15 profit on your €10 total stake. Dead heats are most common in racing, golf and sports with ties in places markets.
Odds formats and how to convert them
Irish and British bookmakers usually show fractional odds, many sites also show decimal odds, and American (moneyline) odds appear on international sites. The implied probability is the chance the price suggests: 1 ÷ decimal odds. This calculator accepts all three, and our odds converter switches between them.
| Fractional | Decimal | American | Implied probability |
|---|---|---|---|
| 1/4 | 1.25 | -400 | 80.0% |
| 1/2 | 1.50 | -200 | 66.7% |
| Evens (1/1) | 2.00 | +100 | 50.0% |
| 5/4 | 2.25 | +125 | 44.4% |
| 6/4 | 2.50 | +150 | 40.0% |
| 2/1 | 3.00 | +200 | 33.3% |
| 5/2 | 3.50 | +250 | 28.6% |
| 4/1 | 5.00 | +400 | 20.0% |
| 10/1 | 11.00 | +1000 | 9.1% |
The quickest conversion is fractional to decimal: divide the top number by the bottom and add one. For more on how prices work, including the bookmaker’s margin, read how betting odds work.
Bet builders and same-game multis
A bet builder combines several markets from one match into a single bet, such as a team to win and a player to score. The bookmaker prices the combination as a whole, and because the outcomes are linked the price is usually shorter than multiplying the separate odds together. Use the single price shown on your bet slip as one selection in this calculator. Our football betting guide explains how bet builders work.
Using the calculator for Irish sport
The same sums apply to every sport. Racing punters can check each-way returns for the Cheltenham Festival, the Grand National and Galway. Football fans can price accumulators on the Premier League, and GAA and rugby bettors can test handicaps and outrights from our GAA betting guide and Six Nations guide.
What does this bet calculator not include?
The calculator uses the odds you enter and treats a void selection as odds of 1.00, which is how most bookmakers settle a non-runner or void leg. It does not apply:
- Rule 4 deductions, which reduce winnings on horse racing bets after a late withdrawal
- Dead-heat settlement, where a stake is split between tied winners
- Bonuses on winning accumulators or Lucky 15 type bets, odds boosts, or free bet conditions
- Bet builders, cash out and partial cash out
- Any changes to the price after you place your bet
Always check the final settlement with your bookmaker. The sections above show how to work out Rule 4 deductions, dead heats and each-way returns by hand.
More calculators and guides
- Each way calculator for win and place returns
- Lucky 15 calculator for 15, 31 and 63 bet slips
- Accumulator calculator for any number of legs
- Yankee calculator for 11-bet slips on four selections
- Trixie calculator and Patent calculator for three selections
- Lucky 31 calculator for five selections
- Free bet calculator to see what a free bet is worth
- Odds converter for fractional, decimal and American odds
- How to place a bet if you are new to betting
- All betting tools
- Betting sites in Ireland
Frequently asked questions
How do you calculate an accumulator?
Convert each selection to decimal odds, multiply them all together, then multiply by your stake. For example, 3.0 × 3.5 × 2.5 = 26.25, so a €10 stake returns €262.50 including your stake.
How many bets are in a Lucky 15?
A Lucky 15 has 15 bets: 4 singles, 6 doubles, 4 trebles and 1 fourfold. At €1 per bet the total stake is €15.
What is the difference between a Lucky 15 and a Yankee?
A Yankee has 11 bets on four selections, starting at doubles. A Lucky 15 adds the four singles on top, which makes 15 bets. That means one winner can still return something on a Lucky 15 but not on a Yankee.
Is the stake I enter the total or per bet?
It is the stake per bet. The calculator multiplies it by the number of bets to show your total stake, so a €1 Lucky 15 shows a total stake of €15.
What happens to a void selection or non-runner?
Most bookmakers settle a void or non-runner selection at odds of 1.00, so the bet carries on without it. In an accumulator a fourfold becomes a treble. Set the result to void in the calculator to see this.
Can I enter fractional, decimal and American odds?
Yes. Enter 5/2, 2.5 and +150 and the calculator treats them as the same price. Type evens or evs for even money.
Will my bookmaker pay exactly what the calculator shows?
The maths should match for standard bets, but your bookmaker’s terms decide the final payout. Rule 4 deductions, bonuses, boosts and each-way terms can all change it.
How do you calculate an each-way bet?
An each-way bet is two equal bets, so the stake is doubled. The win part pays at the full odds and the place part pays at a fraction of the odds, usually a quarter or a fifth, if the selection finishes in the places. A €5 each-way bet at 10/1 costs €10 and returns €72.50 if it wins.
What is a Rule 4 deduction?
Rule 4 reduces winnings on a horse racing bet when a horse is withdrawn before the race. The deduction depends on the price of the withdrawn horse, for example 20% for a horse at 10/3 to 4/1, and it is applied to your winnings, not your stake.
What is a dead heat in betting?
A dead heat happens when two or more selections finish level. Your stake is divided between the tied selections and only your share is paid at full odds, so a €10 bet in a two-way dead heat is settled as a €5 winner and a €5 loser.
How do you convert fractional odds to decimal?
Divide the first number by the second and add one. So 5/2 becomes 5 ÷ 2 + 1 = 3.5, and 10/1 becomes 11.0. Decimal odds include your stake, so multiply them by your stake to get your total return.
How do I calculate returns for a bet builder?
Your bookmaker prices a bet builder as one combined price, which is usually shorter than multiplying the individual odds because the outcomes are linked. Enter that single price as one selection to see the return.
Last updated: 11 October 2026.
18+. Please play responsibly. Free, confidential support is available from GamblingCare.ie on 1800 936 725. Calculators are a guide only and do not guarantee what a bookmaker will pay.
