Blackjack Payout Calculator (3:2 vs 6:5)
Enter any bet amount and this blackjack payout calculator shows exactly what a natural blackjack pays at 3:2 and at 6:5, side by side. It's free, with no sign-up and nothing to install.
Why it matters: the payout ratio is the single easiest thing to check before you sit at a table — and 6:5 quietly costs players real money on every blackjack they're dealt.
How to Use the Payout Calculator
Two steps: enter your bet amount, then read both payouts and the difference between them.
A worked example: a $25 bet pays $37.50 at 3:2 but only $30.00 at 6:5 — a $7.50 gap on a single hand, for the exact same cards. Click Clear to reset and try another amount.
Blackjack Payout Ratios Explained
When your first two cards are an ace plus a ten-value card — a natural blackjack — the casino pays a bonus. How big that bonus is depends on one line printed on the felt.
What Does 3:2 Mean in Blackjack?
3:2 means you win $3 for every $2 you bet — your bet multiplied by 1.5. Bet $10, win $15; bet $100, win $150.
This is the traditional standard, and the payout every blackjack player should insist on. It's a meaningful part of why blackjack has one of the lowest house edges in the casino.
What Does 6:5 Mean in Blackjack?
6:5 means you win $6 for every $5 you bet — your bet multiplied by just 1.2. Bet $10, win $12; bet $100, win $120.
You'll find 6:5 mostly at low-minimum tables, party pits, and some single-deck games. Casinos introduced it to raise their profits from players who don't check the felt.
The Real Cost: What 6:5 Takes from You
Switching from 3:2 to 6:5 adds roughly 1.4% to the house edge — more than every other bad rule combined. On each natural, that's $3 lost on a $10 bet ($12 instead of $15).
Naturals arrive about once every 21 hands, so over a typical session the "small" difference compounds into the most expensive line of fine print in the casino. See where it ranks against every other rule with our House Edge Calculator.
Quick Payout Reference Table (3:2 vs 6:5)
The table below shows the payout for common bet sizes at both ratios, plus the difference — what 6:5 costs you on that single hand. On mobile, the table scrolls; the most common bets to check are $10, $25, and $100.
Payout Comparison Chart
| Bet | 6:5 Payout | 3:2 Payout | Difference |
|---|---|---|---|
| $1 | $1.20 | $1.50 | -$0.30 |
| $2 | $2.40 | $3.00 | -$0.60 |
| $3 | $3.60 | $4.50 | -$0.90 |
| $4 | $4.80 | $6.00 | -$1.20 |
| $5 | $6.00 | $7.50 | -$1.50 |
| $10 | $12.00 | $15.00 | -$3.00 |
| $15 | $18.00 | $22.50 | -$4.50 |
| $20 | $24.00 | $30.00 | -$6.00 |
| $25 | $30.00 | $37.50 | -$7.50 |
| $30 | $36.00 | $45.00 | -$9.00 |
| $35 | $42.00 | $52.50 | -$10.50 |
| $40 | $48.00 | $60.00 | -$12.00 |
| $45 | $54.00 | $67.50 | -$13.50 |
| $50 | $60.00 | $75.00 | -$15.00 |
| $55 | $66.00 | $82.50 | -$16.50 |
| $60 | $72.00 | $90.00 | -$18.00 |
| $65 | $78.00 | $97.50 | -$19.50 |
| $70 | $84.00 | $105.00 | -$21.00 |
| $75 | $90.00 | $112.50 | -$22.50 |
| $80 | $96.00 | $120.00 | -$24.00 |
| $85 | $102.00 | $127.50 | -$25.50 |
| $90 | $108.00 | $135.00 | -$27.00 |
| $95 | $114.00 | $142.50 | -$28.50 |
| $100 | $120.00 | $150.00 | -$30.00 |
| $125 | $150.00 | $187.50 | -$37.50 |
| $150 | $180.00 | $225.00 | -$45.00 |
| $175 | $210.00 | $262.50 | -$52.50 |
| $200 | $240.00 | $300.00 | -$60.00 |
| $225 | $270.00 | $337.50 | -$67.50 |
| $250 | $300.00 | $375.00 | -$75.00 |
| $275 | $330.00 | $412.50 | -$82.50 |
| $300 | $360.00 | $450.00 | -$90.00 |
| $325 | $390.00 | $487.50 | -$97.50 |
| $350 | $420.00 | $525.00 | -$105.00 |
| $375 | $450.00 | $562.50 | -$112.50 |
| $400 | $480.00 | $600.00 | -$120.00 |
| $425 | $510.00 | $637.50 | -$127.50 |
| $450 | $540.00 | $675.00 | -$135.00 |
| $475 | $570.00 | $712.50 | -$142.50 |
| $500 | $600.00 | $750.00 | -$150.00 |
Payout Formulas and Mental Math
The formulas are simple: 3:2 payout = bet × 1.5 and 6:5 payout = bet × 1.2.
For 3:2, use the dealer's mental shortcut: take half the bet and add it. Half of $60 is $30, so a $60 blackjack pays $90. Half of $25 is $12.50, so $25 pays $37.50. You'll verify any payout faster than the chips hit the felt.
A table-side detail most guides skip: on odd bets, dealers "clean" the payout by breaking it into parts — a $15 blackjack pays $22.50, counted out as $15 (even money) plus $7.50 (the half). If your table can't pay the exact half because of chip denominations, some casinos round — always in a stated direction. Watching how a dealer builds your payout stack is the quickest way to catch (rare) mistakes.
Other Payouts: Double Down, Split, Insurance and Push
The blackjack bonus only applies to a natural. Every other winning hand — including a 21 you build by hitting — pays even money (1:1). Here's how the special cases work.
Double Down Payouts
A double down wins even money on the doubled total. Example: you bet $25, double to $50, and win — you collect $50 profit, and the dealer returns $100 total including your stake.
Lose the hand and both bets are gone, which is exactly why doubling is reserved for the spots where the math firmly favors you — our Strategy Calculator tells you which ones.
Split Payouts and the 'Wash'
Splitting creates two independent hands, each at even money for your original bet amount. Win both on a $25 base bet and you're up $50; lose both and you're down $50.
Win one and lose the other, and you've hit the "wash" — the two bets cancel and you break exactly even. Important detail: an ace-plus-ten made after splitting counts as a plain 21, not a natural — it pays 1:1, with no blackjack bonus.
Insurance: Pays 2:1 — and Still a Bad Bet
Insurance is a side bet of half your original wager, offered when the dealer shows an ace, and it pays 2:1 if the dealer has a blackjack. Example: with a $20 main bet, insurance costs $10 and pays $20 if the dealer has a natural.
The catch: the dealer doesn't have a blackjack often enough to justify the price. It's a long-term losing side bet, and basic strategy never takes it — whatever the dealer is showing.
What a Push Pays
A push — you and the dealer tie — pays nothing and costs nothing: your bet is simply returned. A $25 push means $25 back, zero profit.
One exception worth knowing: if both you and the dealer have a natural blackjack, that's a push too — your 3:2 bonus evaporates.
Total Payout vs Net Profit
The most common payout confusion: a $10 bet winning at 3:2 means the dealer pushes back $25 in total — your $10 stake plus $15 in winnings.
The bold rule: our calculator shows winnings (profit); the stack you get back also includes your original bet. So "3:2 on $10" is $15 won, $25 returned — both numbers are correct, they just answer different questions.
How to Spot a 6:5 Table Before You Sit Down
Make it your own rule: read the felt before you take a seat. A fair table says "Blackjack Pays 3 to 2" on the felt or placard. If the payout isn't stated anywhere, assume it's 6:5 and find another table.
Know where 6:5 hides: low-minimum tables, party pits, and — the sneakiest — single-deck games. "Single deck" sounds player-friendly, but a single-deck game paying 6:5 is worse than a good six-deck game paying 3:2.
Avoiding 6:5 is the cheapest skill in blackjack: it takes ten seconds, requires no memorization, and saves more money than most strategy refinements combined.
Put It Into Practice
- Play our free blackjack game and check every winning hand against this page until payouts are second nature.
- Price a full rule set — decks, soft 17, doubling, payout — with the House Edge Calculator.
- Get the mathematically correct move for any hand with the Strategy Calculator.
How We Calculate These Payouts
The math on this page is straightforward ratio arithmetic — bet × 1.5 for 3:2, bet × 1.2 for 6:5 — verified against standard casino payout practice, including how dealers count out odd amounts at a live table.
The calculator is free and donation-supported: no casino advertising, no sign-ups, no bonus codes. It exists so you know your numbers before anyone else counts them for you.
Conclusion: Always Check the Payout Before You Bet
Know the two formulas, and use the half-and-add trick to verify any 3:2 payout in your head. Spot 6:5 on the felt before you sit down — it's the most expensive rule in the game and the easiest to avoid. Skip insurance, and remember the stack you're paid includes your original stake.
Practice for free first, and if you play for real money, set your limits before the first hand. Real-money play is for adults 18+ (21+ in many jurisdictions) — enjoy the game responsibly.
Blackjack Payout FAQs
How much do you win with a $10 bet on blackjack?
$15 at a 3:2 table and $12 at a 6:5 table — plus your $10 stake back in both cases.
How much does a $60 bet pay at 3:2?
$90 in winnings ($60 × 1.5), so the dealer returns $150 in total including your stake.
Does blackjack insurance pay 2:1 or 3:2?
Insurance pays 2:1 on a side bet of half your wager. It's still a long-term losing bet that basic strategy never takes.
What happens on a push in blackjack?
Your bet is returned in full — no win, no loss. A tie of two naturals is also a push.
Does a blackjack after splitting pay 3:2?
No — an ace plus a ten-value card after splitting counts as an ordinary 21 and pays even money, not the 3:2 bonus.
Why do casinos offer 6:5 blackjack?
Profit — 6:5 adds roughly 1.4% to the house edge, and it's aimed at players who don't check the payout line on the felt.
Do all casinos pay 3:2 on blackjack?
No — 6:5 tables are increasingly common, especially at low minimums. Always confirm the payout on the felt or placard before betting.